এসআইপি 2022-এর জন্য 5টি সেরা পারফর্মিং লিকুইড ফান্ড

Updated on October 30, 2025 , 9686 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!

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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	₹3,065.23 ↑ 0.55	₹1,824	1,000	1.4	3	6.8	7.1	5.7	7.4
Indiabulls Liquid Fund Growth	₹2,573.8 ↑ 0.41	₹303	500	1.4	3	6.7	6.9	5.6	7.4
Tata Liquid Fund Growth	₹4,191.45 ↑ 0.67	₹20,404	500	1.4	3	6.7	7	5.6	7.3
Mirae Asset Cash Management Fund Growth	₹2,790.57 ↑ 0.50	₹13,791	1,000	1.4	3	6.7	7	5.7	7.3
Nippon India Liquid Fund Growth	₹6,494.13 ↑ 1.00	₹30,965	100	1.4	3	6.7	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 31 Oct 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 (₹1,824 Cr).	Bottom quartile AUM (₹303 Cr).	Upper mid AUM (₹20,404 Cr).	Lower mid AUM (₹13,791 Cr).	Highest AUM (₹30,965 Cr).
Point 2	Established history (17+ yrs).	Established history (14+ 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: 6.75% (top quartile).	1Y return: 6.73% (upper mid).	1Y return: 6.70% (lower mid).	1Y return: 6.68% (bottom quartile).	1Y return: 6.67% (bottom quartile).
Point 6	1M return: 0.49% (top quartile).	1M return: 0.48% (upper mid).	1M return: 0.48% (bottom quartile).	1M return: 0.48% (lower mid).	1M return: 0.47% (bottom quartile).
Point 7	Sharpe: 4.59 (top quartile).	Sharpe: 3.54 (bottom quartile).	Sharpe: 3.56 (lower mid).	Sharpe: 3.82 (upper mid).	Sharpe: 3.30 (bottom quartile).
Point 8	Information ratio: 0.74 (top quartile).	Information ratio: -1.18 (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): 5.82% (bottom quartile).	Yield to maturity (debt): 5.88% (lower mid).	Yield to maturity (debt): 5.94% (top quartile).	Yield to maturity (debt): 5.87% (bottom quartile).	Yield to maturity (debt): 5.89% (upper mid).
Point 10	Modified duration: 0.11 yrs (lower mid).	Modified duration: 0.09 yrs (top quartile).	Modified duration: 0.11 yrs (upper mid).	Modified duration: 0.11 yrs (bottom quartile).	Modified duration: 0.11 yrs (bottom quartile).

BOI AXA Liquid Fund

Bottom quartile AUM (₹1,824 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.75% (top quartile).
1M return: 0.49% (top quartile).
Sharpe: 4.59 (top quartile).
Information ratio: 0.74 (top quartile).
Yield to maturity (debt): 5.82% (bottom quartile).
Modified duration: 0.11 yrs (lower mid).

Indiabulls Liquid Fund

Bottom quartile AUM (₹303 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.73% (upper mid).
1M return: 0.48% (upper mid).
Sharpe: 3.54 (bottom quartile).
Information ratio: -1.18 (bottom quartile).
Yield to maturity (debt): 5.88% (lower mid).
Modified duration: 0.09 yrs (top quartile).

Tata Liquid Fund

Upper mid AUM (₹20,404 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.70% (lower mid).
1M return: 0.48% (bottom quartile).
Sharpe: 3.56 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.94% (top quartile).
Modified duration: 0.11 yrs (upper mid).

Mirae Asset Cash Management Fund

Lower mid AUM (₹13,791 Cr).
Established history (16+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.68% (bottom quartile).
1M return: 0.48% (lower mid).
Sharpe: 3.82 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.87% (bottom quartile).
Modified duration: 0.11 yrs (bottom quartile).

Nippon India Liquid Fund

Highest AUM (₹30,965 Cr).
Established history (21+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.67% (bottom quartile).
1M return: 0.47% (bottom quartile).
Sharpe: 3.30 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.89% (upper mid).
Modified duration: 0.11 yrs (bottom quartile).

*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 (₹1,824 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.75% (top quartile).
1M return: 0.49% (top quartile).
Sharpe: 4.59 (top quartile).
Information ratio: 0.74 (top quartile).
Yield to maturity (debt): 5.82% (bottom quartile).
Modified duration: 0.11 yrs (lower mid).
Average maturity: 0.11 yrs (lower mid).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Union Bank Of India (~8.3%).

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund Growth
Launch Date	16 Jul 08
NAV (31 Oct 25)	₹3,065.23 ↑ 0.55 (0.02 %)
Net Assets (Cr)	₹1,824 on 31 Aug 25
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.13
Sharpe Ratio	4.59
Information Ratio	0.74
Alpha Ratio	0.05
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	5.82%
Effective Maturity	1 Month 10 Days
Modified Duration	1 Month 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,315
31 Oct 22	₹10,768
31 Oct 23	₹11,520
31 Oct 24	₹12,379
31 Oct 25	₹13,215

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 31 Oct 25

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	3%
1 Year	6.8%
3 Year	7.1%
5 Year	5.7%
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	4.13 Yr.

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

Asset Allocation

Asset Class	Value
Cash	99.64%
Other	0.36%

Debt Sector Allocation

Sector	Value
Cash Equivalent	68.16%
Corporate	24.83%
Government	6.65%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Union Bank Of India Certificate of Deposit \| -	8%	₹124 Cr	12,500,000
ICICI Home Finance Company Limited Commercial Paper \| -	5%	₹75 Cr	7,500,000
Motilal Oswal Financial Services Limited (20/11/2025) ** Net Current Assets \| -	5%	₹75 Cr	7,500,000
91 Days Tbill (Md 04/12/2025) Sovereign Bonds \| -	5%	₹74 Cr	7,500,000 ↑ 7,500,000
91 Days Tbill (Md 11/12/2025) Sovereign Bonds \| -	5%	₹74 Cr	7,500,000 ↑ 7,500,000
Godrej Agrovet Ltd. Commercial Paper \| -	3%	₹50 Cr	5,000,000
India (Republic of) - \| -	3%	₹50 Cr	5,000,000 ↑ 2,500,000
India (Republic of) - \| -	3%	₹50 Cr	5,000,000
Axis Bank Limited Certificate of Deposit \| -	3%	₹50 Cr	5,000,000
Reliance Retail Ventures Limited (12/11/2025) ** Net Current Assets \| -	3%	₹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 (₹303 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.73% (upper mid).
1M return: 0.48% (upper mid).
Sharpe: 3.54 (bottom quartile).
Information ratio: -1.18 (bottom quartile).
Yield to maturity (debt): 5.88% (lower mid).
Modified duration: 0.09 yrs (top quartile).
Average maturity: 0.09 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 Hdfc Securities Limited 15-Dec-2025** (~16.1%).
Top-3 holdings concentration ~41.4%.

Below is the key information for Indiabulls Liquid Fund

Indiabulls Liquid Fund Growth
Launch Date	27 Oct 11
NAV (31 Oct 25)	₹2,573.8 ↑ 0.41 (0.02 %)
Net Assets (Cr)	₹303 on 31 Aug 25
Category	Debt - Liquid Fund
AMC	Indiabulls Asset Management Company Ltd.
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.2
Sharpe Ratio	3.54
Information Ratio	-1.18
Alpha Ratio	-0.03
Min Investment	500
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	5.88%
Effective Maturity	1 Month 3 Days
Modified Duration	1 Month 3 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,308
31 Oct 22	₹10,726
31 Oct 23	₹11,438
31 Oct 24	₹12,281
31 Oct 25	₹13,108

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 31 Oct 25

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	3%
1 Year	6.7%
3 Year	6.9%
5 Year	5.6%
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	2.39 Yr.

Data below for Indiabulls Liquid Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	99.55%
Other	0.45%

Debt Sector Allocation

Sector	Value
Cash Equivalent	66.19%
Corporate	32.62%
Government	0.75%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Hdfc Securities Limited 15-Dec-2025** Net Current Assets \| -	16%	₹25 Cr	2,500,000 ↑ 2,500,000
Punjab National Bank Certificate of Deposit \| -	13%	₹20 Cr	2,050,000
Reverse Repo 16-Oct-25 CBLO/Reverse Repo \| -	12%	₹18 Cr
Icici Securities Limited 13-Nov-2025** Net Current Assets \| -	10%	₹15 Cr	1,500,000
Kotak Mahindra Bank Limited 2025 Certificate of Deposit \| -	10%	₹15 Cr	1,500,000
L&T Finance Limited 17-Dec-2025** Net Current Assets \| -	9%	₹14 Cr	1,400,000
Small Industries Development Bank Of India Debentures \| -	7%	₹10 Cr	1,000,000
Bank Of India Certificate of Deposit \| -	6%	₹10 Cr	1,000,000
Canara Bank 27-Nov-2025**# Net Current Assets \| -	5%	₹8 Cr	800,000 ↑ 800,000
Power Finance Corporation Limited Debentures \| -	3%	₹5 Cr	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 (₹20,404 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.70% (lower mid).
1M return: 0.48% (bottom quartile).
Sharpe: 3.56 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.94% (top quartile).
Modified duration: 0.11 yrs (upper mid).
Average maturity: 0.11 yrs (upper mid).
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 ** TREASURY BILL 91 DAYS (15/01/2026) (~6.3%).

Below is the key information for Tata Liquid Fund

Tata Liquid Fund Growth
Launch Date	1 Sep 04
NAV (31 Oct 25)	₹4,191.45 ↑ 0.67 (0.02 %)
Net Assets (Cr)	₹20,404 on 31 Aug 25
Category	Debt - Liquid Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.39
Sharpe Ratio	3.56
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	5.94%
Effective Maturity	1 Month 9 Days
Modified Duration	1 Month 9 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,312
31 Oct 22	₹10,750
31 Oct 23	₹11,489
31 Oct 24	₹12,333
31 Oct 25	₹13,160

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 31 Oct 25

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	3%
1 Year	6.7%
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	11.96 Yr.
Abhishek Sonthalia	6 Feb 20	5.65 Yr.
Harsh Dave	1 Aug 24	1.16 Yr.

Data below for Tata Liquid Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	100.46%
Debt	6.27%

Debt Sector Allocation

Sector	Value
Cash Equivalent	87.01%
Corporate	11.55%
Government	8.17%

Credit Quality

Rating	Value
AA	0.67%
AAA	99.33%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
** TREASURY BILL 91 DAYS (15/01/2026) Sovereign Bonds \| -	6%	₹1,480 Cr	150,000,000 ↑ 150,000,000
** TREASURY BILL 91 DAYS (04/12/2025) Sovereign Bonds \| -	5%	₹1,256 Cr	126,500,000 ↑ 126,500,000
** - Exim - Cp - 12/12/2025 Net Current Assets \| -	5%	₹1,115 Cr	22,500
** - Bank Of India - Cd - 15/12/2025 Net Current Assets \| -	4%	₹990 Cr	20,000
** TREASURY BILL 91 DAYS (11/12/2025) Sovereign Bonds \| -	4%	₹858 Cr	86,500,000 ↑ 86,500,000
D) Repo CBLO/Reverse Repo \| -	3%	₹794 Cr
** - Pnb Housing Finance Ltd - Cp - 17/11/2025 Net Current Assets \| -	3%	₹746 Cr	15,000
** - Indusind Bank Ltd - Cd - 20/11/2025 Net Current Assets \| -	3%	₹746 Cr	15,000
** - Axis Bank Ltd - Cd - 18/12/2025 Net Current Assets \| -	3%	₹718 Cr	14,500
** - Reliance Retail Ventures Ltd - Cp - 25/11/2025 Net Current Assets \| -	3%	₹646 Cr	13,000

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 (₹13,791 Cr).
Established history (16+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.68% (bottom quartile).
1M return: 0.48% (lower mid).
Sharpe: 3.82 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.87% (bottom quartile).
Modified duration: 0.11 yrs (bottom quartile).
Average maturity: 0.12 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Treps (~4.7%).

Below is the key information for Mirae Asset Cash Management Fund

Mirae Asset Cash Management Fund Growth
Launch Date	12 Jan 09
NAV (31 Oct 25)	₹2,790.57 ↑ 0.50 (0.02 %)
Net Assets (Cr)	₹13,791 on 31 Aug 25
Category	Debt - Liquid Fund
AMC	Mirae Asset Global Inv (India) Pvt. Ltd
Rating	☆☆
Risk	Low
Expense Ratio	0.14
Sharpe Ratio	3.82
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	5.87%
Effective Maturity	1 Month 12 Days
Modified Duration	1 Month 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,327
31 Oct 22	₹10,770
31 Oct 23	₹11,516
31 Oct 24	₹12,366
31 Oct 25	₹13,191

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 31 Oct 25

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	3%
1 Year	6.7%
3 Year	7%
5 Year	5.7%
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
Mahendra Jajoo	22 Sep 25	0.02 Yr.

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

Asset Allocation

Asset Class	Value
Cash	99.75%
Other	0.25%

Debt Sector Allocation

Sector	Value
Cash Equivalent	71.2%
Corporate	22.28%
Government	6.28%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps CBLO/Reverse Repo \| -	5%	₹576 Cr
Union Bank Of India (Md 29/12/2025)**# Net Current Assets \| -	4%	₹445 Cr	45,000,000 ↑ 20,000,000
Axis Bank Ltd. Certificate of Deposit \| -	3%	₹393 Cr	39,500,000
Axis Bank Limited Certificate of Deposit \| -	3%	₹349 Cr	35,000,000
91 Days Treasury Bills (MD 20/11/2025) Sovereign Bonds \| -	3%	₹348 Cr	35,000,000 ↑ 35,000,000
Net Receivables / (Payables) Net Current Assets \| -	2%	-₹303 Cr
Bank Of Baroda Certificate of Deposit \| -	2%	₹299 Cr	30,000,000
India (Republic of) - \| -	2%	₹299 Cr	30,000,000
364 DTB 13112025 Sovereign Bonds \| -	2%	₹299 Cr	30,000,000
Hdfc Bank Ltd. (Md 18/11/2025)**# Net Current Assets \| -	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 (₹30,965 Cr).
Established history (21+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.67% (bottom quartile).
1M return: 0.47% (bottom quartile).
Sharpe: 3.30 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.89% (upper mid).
Modified duration: 0.11 yrs (bottom quartile).
Average maturity: 0.12 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~92%).
High-quality debt (AAA/AA ~100%).
Largest holding Reverse Repo (~4.7%).

Below is the key information for Nippon India Liquid Fund

Nippon India Liquid Fund Growth
Launch Date	9 Dec 03
NAV (31 Oct 25)	₹6,494.13 ↑ 1.00 (0.02 %)
Net Assets (Cr)	₹30,965 on 31 Aug 25
Category	Debt - Liquid Fund
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.33
Sharpe Ratio	3.3
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 Oct 20	₹10,000
31 Oct 21	₹10,311
31 Oct 22	₹10,750
31 Oct 23	₹11,491
31 Oct 24	₹12,336
31 Oct 25	₹13,158

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 31 Oct 25

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	3%
1 Year	6.7%
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	7.36 Yr.
Vikash Agarwal	14 Sep 24	1.05 Yr.

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

Asset Allocation

Asset Class	Value
Cash	91.87%
Debt	7.84%
Other	0.29%

Debt Sector Allocation

Sector	Value
Cash Equivalent	81.73%
Government	10.41%
Corporate	7.56%

Credit Quality

Rating	Value
AA	0.66%
AAA	99.34%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reverse Repo CBLO/Reverse Repo \| -	5%	₹1,493 Cr
91 Days Tbill Sovereign Bonds \| -	3%	₹893 Cr	90,000,000 ↑ 90,000,000
91 Days Tbill Red 23-10-2025 Sovereign Bonds \| -	3%	₹880 Cr	88,131,200
Karur Vysya Bank Limited** Net Current Assets \| -	2%	₹745 Cr	15,000
Uco Bank** Net Current Assets \| -	2%	₹742 Cr	15,000
Hdfc Bank Limited** Net Current Assets \| -	2%	₹544 Cr	11,000 ↑ 11,000
India (Republic of) - \| -	2%	₹498 Cr	50,000,000
91 Days Tbill Sovereign Bonds \| -	2%	₹497 Cr	50,000,000 ↑ 50,000,000
Tata Communications Limited** Net Current Assets \| -	2%	₹497 Cr	10,000
Hindustan Zinc Limited** Net Current Assets \| -	2%	₹497 Cr	10,000

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।