এসআইপি 2022-এর জন্য 5টি সেরা পারফর্মিং লিকুইড ফান্ড

Updated on September 1, 2025 , 9628 views

তরল তহবিল এর সবচেয়ে নিরাপদ বিভাগ হিসাবে বিবেচিত হয়ঋণ মিউচুয়াল ফান্ড যেহেতু তাদের সর্বনিম্ন সুদের হার এবং ঋণ ঝুঁকি রয়েছে। তরল তহবিলগুলি ঋণ সিকিউরিটিগুলিতে বিনিয়োগ করে যার পরিপক্কতা আছে, 91 দিন পর্যন্ত। এই তহবিল থেকে ভাল রিটার্ন প্রস্তাবব্যাংক সঞ্চয় অ্যাকাউন্ট. ব্যাংক অ্যাকাউন্টের 4% সুদের হারের তুলনায় তরলযৌথ পুঁজি প্রায় 7% রিটার্ন অফার করে। অতিরিক্তভাবে, তরল তহবিলগুলি অত্যন্ত তরল, কেউ তাদের তহবিলগুলি এক দিনের মধ্যে ভাঙাতে পারে। বিনিয়োগকারীরা ভাল রিটার্ন অর্জনের জন্য তাদের উদ্বৃত্ত পরিমাণ বিনিয়োগ করতে পারে অথবা তারা তাদের স্বল্পমেয়াদী অর্জনের জন্য বিনিয়োগ করতে পারেআর্থিক লক্ষ্য. উদাহরণস্বরূপ, যদি একজনের একটি গ্যাজেট কিনতে হয় বা একটি ছোট ভ্রমণের পরিকল্পনা করতে চান। ভাল রিটার্নের জন্য, বিনিয়োগকারীরা এই পূর্ব-তালিকাভুক্ত শীর্ষ পারফর্মিং লিকুইড ফান্ডে বিনিয়োগ করতে পারেন a এর মাধ্যমেচুমুক. আসুন তাদের সাম্প্রতিক পারফরম্যান্স এবং রিটার্নগুলি দেখে নেওয়া যাক!

Ready to Invest?
Talk to our investment specialist

SIP বিনিয়োগের জন্য শীর্ষ 5টি সেরা পারফর্মিং লিকুইড ফান্ড FY 22 - 23৷

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
BOI AXA Liquid Fund Growth	₹3,037.45 ↑ 0.48	₹2,002	1,000	1.5	3.3	7	7.1	5.6	7.4
Indiabulls Liquid Fund Growth	₹2,550.7 ↑ 0.40	₹393	500	1.5	3.3	7	6.9	5.5	7.4
Tata Liquid Fund Growth	₹4,153.86 ↑ 0.65	₹22,951	500	1.5	3.3	6.9	7	5.6	7.3
Mirae Asset Cash Management Fund Growth	₹2,765.53 ↑ 0.44	₹13,634	1,000	1.5	3.3	6.9	7	5.6	7.3
Nippon India Liquid Fund Growth	₹6,436.31 ↑ 1.02	₹35,388	100	1.5	3.3	6.9	7	5.6	7.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	BOI AXA Liquid Fund	Indiabulls Liquid Fund	Tata Liquid Fund	Mirae Asset Cash Management Fund	Nippon India Liquid Fund
Point 1	Bottom quartile AUM (₹2,002 Cr).	Bottom quartile AUM (₹393 Cr).	Upper mid AUM (₹22,951 Cr).	Lower mid AUM (₹13,634 Cr).	Highest AUM (₹35,388 Cr).
Point 2	Established history (17+ yrs).	Established history (13+ yrs).	Oldest track record among peers (21 yrs).	Established history (16+ yrs).	Established history (21+ yrs).
Point 3	Rating: 3★ (bottom quartile).	Top rated.	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 4★ (lower mid).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.98% (top quartile).	1Y return: 6.96% (upper mid).	1Y return: 6.93% (lower mid).	1Y return: 6.90% (bottom quartile).	1Y return: 6.89% (bottom quartile).
Point 6	1M return: 0.47% (upper mid).	1M return: 0.47% (top quartile).	1M return: 0.47% (bottom quartile).	1M return: 0.47% (lower mid).	1M return: 0.46% (bottom quartile).
Point 7	Sharpe: 4.36 (top quartile).	Sharpe: 3.05 (bottom quartile).	Sharpe: 3.33 (lower mid).	Sharpe: 3.62 (upper mid).	Sharpe: 3.10 (bottom quartile).
Point 8	Information ratio: 0.52 (top quartile).	Information ratio: -1.37 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 5.64% (bottom quartile).	Yield to maturity (debt): 5.77% (lower mid).	Yield to maturity (debt): 5.88% (upper mid).	Yield to maturity (debt): 5.77% (bottom quartile).	Yield to maturity (debt): 5.89% (top quartile).
Point 10	Modified duration: 0.13 yrs (bottom quartile).	Modified duration: 0.11 yrs (upper mid).	Modified duration: 0.13 yrs (bottom quartile).	Modified duration: 0.10 yrs (top quartile).	Modified duration: 0.11 yrs (lower mid).

BOI AXA Liquid Fund

Bottom quartile AUM (₹2,002 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.98% (top quartile).
1M return: 0.47% (upper mid).
Sharpe: 4.36 (top quartile).
Information ratio: 0.52 (top quartile).
Yield to maturity (debt): 5.64% (bottom quartile).
Modified duration: 0.13 yrs (bottom quartile).

Indiabulls Liquid Fund

Bottom quartile AUM (₹393 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.96% (upper mid).
1M return: 0.47% (top quartile).
Sharpe: 3.05 (bottom quartile).
Information ratio: -1.37 (bottom quartile).
Yield to maturity (debt): 5.77% (lower mid).
Modified duration: 0.11 yrs (upper mid).

Tata Liquid Fund

Upper mid AUM (₹22,951 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.93% (lower mid).
1M return: 0.47% (bottom quartile).
Sharpe: 3.33 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.88% (upper mid).
Modified duration: 0.13 yrs (bottom quartile).

Mirae Asset Cash Management Fund

Lower mid AUM (₹13,634 Cr).
Established history (16+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.90% (bottom quartile).
1M return: 0.47% (lower mid).
Sharpe: 3.62 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.77% (bottom quartile).
Modified duration: 0.10 yrs (top quartile).

Nippon India Liquid Fund

Highest AUM (₹35,388 Cr).
Established history (21+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.89% (bottom quartile).
1M return: 0.46% (bottom quartile).
Sharpe: 3.10 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.89% (top quartile).
Modified duration: 0.11 yrs (lower mid).

*উপরে সেরা তালিকা রয়েছেতরল তহবিলের উপরে AUM/নেট সম্পদ রয়েছে100 কোটি. সাজানো হয়েছেশেষ 1 বছরের রিটার্ন.

1. BOI AXA Liquid Fund

Objective The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments. However there can be no assurance that the investment objectives of the Scheme will be realized.

Research Highlights for BOI AXA Liquid Fund

Bottom quartile AUM (₹2,002 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.98% (top quartile).
1M return: 0.47% (upper mid).
Sharpe: 4.36 (top quartile).
Information ratio: 0.52 (top quartile).
Yield to maturity (debt): 5.64% (bottom quartile).
Modified duration: 0.13 yrs (bottom quartile).
Average maturity: 0.13 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding 91 Days Tbill (Md 28/08/2025) (~4.9%).

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund Growth
Launch Date	16 Jul 08
NAV (03 Sep 25)	₹3,037.45 ↑ 0.48 (0.02 %)
Net Assets (Cr)	₹2,002 on 31 Jul 25
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.13
Sharpe Ratio	4.36
Information Ratio	0.52
Alpha Ratio	0.03
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	5.64%
Effective Maturity	1 Month 17 Days
Modified Duration	1 Month 17 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,316
31 Aug 22	₹10,725
31 Aug 23	₹11,450
31 Aug 24	₹12,299
31 Aug 25	₹13,159

BOI AXA Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for BOI AXA 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 3 Sep 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.3%
1 Year	7%
3 Year	7.1%
5 Year	5.6%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7%
2022	4.9%
2021	3.3%
2020	4.1%
2019	6.4%
2018	7.4%
2017	6.7%
2016	7.6%
2015	8.3%

Fund Manager information for BOI AXA Liquid Fund

Name	Since	Tenure
Mithraem Bharucha	17 Aug 21	4.04 Yr.

Data below for BOI AXA Liquid Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	99.74%
Other	0.26%

Debt Sector Allocation

Sector	Value
Cash Equivalent	83.72%
Corporate	12.34%
Government	3.68%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
91 Days Tbill (Md 28/08/2025) Sovereign Bonds \| -	5%	₹100 Cr	10,000,000
LIC Housing Finance Ltd Commercial Paper \| -	5%	₹100 Cr	10,000,000
Export Import Bank Of India ** Commercial Paper \| -	5%	₹99 Cr	10,000,000
Axis Bank Limited Certificate of Deposit \| -	4%	₹75 Cr	7,500,000 ↓ -5,000,000
HDFC Bank Limited Certificate of Deposit \| -	4%	₹75 Cr	7,500,000
ICICI Home Finance Company Limited Commercial Paper \| -	4%	₹74 Cr	7,500,000 ↑ 7,500,000
91 Days Tbill Red 16-10-2025 Sovereign Bonds \| -	3%	₹59 Cr	6,000,000
182 DTB 18102024 Sovereign Bonds \| -	3%	₹55 Cr	5,500,000 ↑ 5,500,000
Net Receivables / (Payables) Net Current Assets \| -	2%	₹50 Cr
Axis Finance Ltd. Commercial Paper \| -	2%	₹50 Cr	5,000,000

2. Indiabulls Liquid Fund

To provide a high level of liquidity with returns commensurate with low risk through a portfolio of money market and debt securities with maturity of up to 91days. However, there can be no assurance that the investment objective of the scheme will be achieved.

Research Highlights for Indiabulls Liquid Fund

Bottom quartile AUM (₹393 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.96% (upper mid).
1M return: 0.47% (top quartile).
Sharpe: 3.05 (bottom quartile).
Information ratio: -1.37 (bottom quartile).
Yield to maturity (debt): 5.77% (lower mid).
Modified duration: 0.11 yrs (upper mid).
Average maturity: 0.11 yrs (upper mid).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~6.6%).

Below is the key information for Indiabulls Liquid Fund

Indiabulls Liquid Fund Growth
Launch Date	27 Oct 11
NAV (03 Sep 25)	₹2,550.7 ↑ 0.40 (0.02 %)
Net Assets (Cr)	₹393 on 31 Jul 25
Category	Debt - Liquid Fund
AMC	Indiabulls Asset Management Company Ltd.
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.2
Sharpe Ratio	3.05
Information Ratio	-1.37
Alpha Ratio	-0.09
Min Investment	500
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	5.77%
Effective Maturity	1 Month 11 Days
Modified Duration	1 Month 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,312
31 Aug 22	₹10,682
31 Aug 23	₹11,368
31 Aug 24	₹12,198
31 Aug 25	₹13,051

Indiabulls Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Indiabulls 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 3 Sep 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.3%
1 Year	7%
3 Year	6.9%
5 Year	5.5%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	6.8%
2022	4.6%
2021	3.1%
2020	3.9%
2019	6.6%
2018	7.3%
2017	6.7%
2016	7.8%
2015	8.5%

Fund Manager information for Indiabulls Liquid Fund

Name	Since	Tenure
Kaustubh Sule	11 May 23	2.31 Yr.

Data below for Indiabulls Liquid Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	99.83%
Other	0.17%

Debt Sector Allocation

Sector	Value
Cash Equivalent	69.02%
Corporate	24.2%
Government	6.6%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	7%	₹26 Cr	2,615,500 ↑ 2,615,500
L&T Finance Limited Debentures \| -	6%	₹25 Cr	2,000,000 ↑ 2,000,000
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹25 Cr	2,500,000 ↑ 2,500,000
Reliance Retail Ventures Limited Commercial Paper \| -	6%	₹25 Cr	2,500,000
Bank Of India Certificate of Deposit \| -	6%	₹25 Cr	2,500,000 ↑ 2,500,000
Punjab National Bank Certificate of Deposit \| -	6%	₹25 Cr	2,500,000
HDFC Bank Limited Certificate of Deposit \| -	6%	₹25 Cr	2,500,000
Indian Oil Corporation Ltd. Commercial Paper \| -	6%	₹25 Cr	2,500,000
LIC Housing Finance Limited Commercial Paper \| -	6%	₹25 Cr	2,500,000
91 Days Tbill Red 30-10-2025 Sovereign Bonds \| -	6%	₹25 Cr	2,500,000 ↑ 500,000

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.

Research Highlights for Tata Liquid Fund

Upper mid AUM (₹22,951 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.93% (lower mid).
1M return: 0.47% (bottom quartile).
Sharpe: 3.33 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.88% (upper mid).
Modified duration: 0.13 yrs (bottom quartile).
Average maturity: 0.13 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Reliance Retail Ventures Limited (~5.4%).

Below is the key information for Tata Liquid Fund

Tata Liquid Fund Growth
Launch Date	1 Sep 04
NAV (03 Sep 25)	₹4,153.86 ↑ 0.65 (0.02 %)
Net Assets (Cr)	₹22,951 on 31 Jul 25
Category	Debt - Liquid Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.39
Sharpe Ratio	3.33
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	5.88%
Effective Maturity	1 Month 15 Days
Modified Duration	1 Month 15 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,318
31 Aug 22	₹10,711
31 Aug 23	₹11,422
31 Aug 24	₹12,256
31 Aug 25	₹13,107

Tata Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 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 3 Sep 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.3%
1 Year	6.9%
3 Year	7%
5 Year	5.6%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	7%
2022	4.8%
2021	3.2%
2020	4.3%
2019	6.6%
2018	7.4%
2017	6.7%
2016	7.7%
2015	8.4%

Fund Manager information for Tata Liquid Fund

Name	Since	Tenure
Amit Somani	16 Oct 13	11.88 Yr.
Abhishek Sonthalia	6 Feb 20	5.57 Yr.
Harsh Dave	1 Aug 24	1.08 Yr.

Data below for Tata Liquid Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	99.73%
Other	0.27%

Debt Sector Allocation

Sector	Value
Cash Equivalent	79.82%
Corporate	16.46%
Government	3.45%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Retail Ventures Limited Commercial Paper \| -	5%	₹1,293 Cr	26,000 ↑ 500
Bank Of Baroda Certificate of Deposit \| -	5%	₹1,172 Cr	23,500 ↓ -2,500
91 Days Tbill Red 16-10-2025 Sovereign Bonds \| -	4%	₹941 Cr	95,000,000 ↓ -19,000,000
HDFC Bank Ltd Certificate of Deposit \| -	4%	₹844 Cr	17,000
91 Days Tbill (Md 28/08/2025) Sovereign Bonds \| -	3%	₹820 Cr	82,500,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	3%	₹698 Cr	14,000
91 Days Tbill (Md 28/08/2025) Sovereign Bonds \| -	3%	₹692 Cr	69,500,000 ↓ -40,000,000
Cash / Net Current Asset Net Current Assets \| -	3%	₹691 Cr
Reliance Retail Ventures Limited Commercial Paper \| -	3%	₹649 Cr	13,000
Bharti Telecom Limited Commercial Paper \| -	3%	₹618 Cr	12,500 ↑ 4,000

4. Mirae Asset Cash Management Fund

The investment objective of the scheme is to generate consistent returns with a high level of liquidity in a judicious portfolio mix comprising of money market and debt instruments. The Scheme does not guarantee any returns.

Research Highlights for Mirae Asset Cash Management Fund

Lower mid AUM (₹13,634 Cr).
Established history (16+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.90% (bottom quartile).
1M return: 0.47% (lower mid).
Sharpe: 3.62 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.77% (bottom quartile).
Modified duration: 0.10 yrs (top quartile).
Average maturity: 0.10 yrs (top quartile).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Treps (~4.0%).

Below is the key information for Mirae Asset Cash Management Fund

Mirae Asset Cash Management Fund Growth
Launch Date	12 Jan 09
NAV (03 Sep 25)	₹2,765.53 ↑ 0.44 (0.02 %)
Net Assets (Cr)	₹13,634 on 31 Jul 25
Category	Debt - Liquid Fund
AMC	Mirae Asset Global Inv (India) Pvt. Ltd
Rating	☆☆
Risk	Low
Expense Ratio	0.14
Sharpe Ratio	3.62
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	5.77%
Effective Maturity	1 Month 7 Days
Modified Duration	1 Month 6 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,329
31 Aug 22	₹10,729
31 Aug 23	₹11,448
31 Aug 24	₹12,287
31 Aug 25	₹13,137

Mirae Asset Cash Management Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Mirae Asset Cash Management Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.3%
1 Year	6.9%
3 Year	7%
5 Year	5.6%
10 Year
15 Year
Since launch	6.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	7%
2022	4.8%
2021	3.3%
2020	4.2%
2019	6.6%
2018	7.3%
2017	6.6%
2016	7.2%
2015	7.8%

Fund Manager information for Mirae Asset Cash Management Fund

Name	Since	Tenure
Amit Modani	1 Nov 24	0.83 Yr.

Data below for Mirae Asset Cash Management Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	99.8%
Other	0.2%

Debt Sector Allocation

Sector	Value
Cash Equivalent	70.74%
Corporate	25.74%
Government	3.31%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps CBLO/Reverse Repo \| -	4%	₹594 Cr
91 Days Tbill (Md 28/08/2025) Sovereign Bonds \| -	4%	₹549 Cr	55,000,000
Union Bank Of India Certificate of Deposit \| -	3%	₹497 Cr	50,000,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	3%	₹497 Cr	50,000,000
182 Days Tbill Sovereign Bonds \| -	3%	₹448 Cr	45,000,000
Punjab National Bank Certificate of Deposit \| -	3%	₹399 Cr	40,000,000 ↑ 40,000,000
Canara Bank Certificate of Deposit \| -	2%	₹349 Cr	35,000,000
Indian Bank Certificate of Deposit \| -	2%	₹325 Cr	32,500,000
91 Days Tbill (Md 28/08/2025) Sovereign Bonds \| -	2%	₹299 Cr	30,000,000
Godrej Consumer Products Ltd. Commercial Paper \| -	2%	₹298 Cr	30,000,000

5. Nippon India Liquid Fund

(Erstwhile Reliance Liquid Fund - Treasury Plan)

The investment objective of the scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

Research Highlights for Nippon India Liquid Fund

Highest AUM (₹35,388 Cr).
Established history (21+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.89% (bottom quartile).
1M return: 0.46% (bottom quartile).
Sharpe: 3.10 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.89% (top quartile).
Modified duration: 0.11 yrs (lower mid).
Average maturity: 0.12 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Reverse Repo (~3.6%).

Below is the key information for Nippon India Liquid Fund

Nippon India Liquid Fund Growth
Launch Date	9 Dec 03
NAV (03 Sep 25)	₹6,436.31 ↑ 1.02 (0.02 %)
Net Assets (Cr)	₹35,388 on 31 Jul 25
Category	Debt - Liquid Fund
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.33
Sharpe Ratio	3.1
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	5.89%
Effective Maturity	1 Month 13 Days
Modified Duration	1 Month 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,317
31 Aug 22	₹10,710
31 Aug 23	₹11,424
31 Aug 24	₹12,258
31 Aug 25	₹13,105

Nippon India Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Nippon India Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.3%
1 Year	6.9%
3 Year	7%
5 Year	5.6%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.3%

Fund Manager information for Nippon India Liquid Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	7.28 Yr.
Vikash Agarwal	14 Sep 24	0.96 Yr.

Data below for Nippon India Liquid Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	99.74%
Other	0.26%

Debt Sector Allocation

Sector	Value
Cash Equivalent	73.47%
Corporate	19.96%
Government	6.31%

Credit Quality

Rating	Value
AA	0.14%
AAA	99.86%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reverse Repo CBLO/Reverse Repo \| -	4%	₹1,258 Cr
91 Days Tbill (Md 28/08/2025) Sovereign Bonds \| -	3%	₹1,091 Cr	109,500,000 ↑ 5,000,000
Union Bank Of India Certificate of Deposit \| -	3%	₹895 Cr	18,000 ↓ -2,000
91 Days Tbill Red 23-10-2025 Sovereign Bonds \| -	2%	₹872 Cr	88,131,200
Bank of India Ltd. Debentures \| -	2%	₹766 Cr	15,500 ↑ 500
182 DTB 18102024 Sovereign Bonds \| -	2%	₹751 Cr	75,500,000 ↑ 75,500,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹746 Cr	15,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹721 Cr	14,500
India (Republic of) - \| -	2%	₹650 Cr	65,500,000 ↑ 38,000,000
91 Days Tbill Red 30-10-2025 Sovereign Bonds \| -	2%	₹579 Cr	58,500,000 ↑ 33,500,000

Disclaimer:
এখানে প্রদত্ত তথ্য সঠিক কিনা তা নিশ্চিত করার জন্য সমস্ত প্রচেষ্টা করা হয়েছে। যাইহোক, তথ্যের সঠিকতা সম্পর্কে কোন গ্যারান্টি দেওয়া হয় না। কোনো বিনিয়োগ করার আগে স্কিমের তথ্য নথির সাথে যাচাই করুন।