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How to Do Instant Redemption in Mutual Funds Through Fincash.com?

Updated on August 23, 2025 , 7078 views

Through Instant Redemption people can redeem their Mutual Fund instantly. Instant Redemption is possible in some Liquid Funds. Through Fincash.com, it is possible for people to redeem their money in two Mutual Fund schemes that are, Aditya Birla Sun Life Cash Plus Fund and Reliance Liquid Fund - Treasury Plan. So, let us look at the steps that will help you to carry out the instant redemption process.

Step1: Log In to Fincash.com Website & Go to Dashboard

The first step in the instant redemption process is to login into Fincash.com website. For logging into the website, people need to enter their login credentials. Once they log in, they need to go to the dashboard. The icon for the dashboard is present on the top right corner and is second from right. This step showing the dashboard icon is given below as follows where the dashboard icon is highlighted in Green.

Step 1

Step2: Click on Instant Redemption

After you click on the dashboard, a new page opens up. In this page, on the left side, there is a drop-down titled as My Account. Under this My Account section, you can find various options such as Invest Now, My Orders, My SIPs, and so on. Here, You Need to Click on “Instant Redemption Option”. The image for this step is given below as follows where My Account and Instant Redemption options are highlighted in Blue and Green.

Step 2

Step3: Folios Eligible for Instant Redemption are Displayed

Once you click on instant redemption, the instant redemption page opens up. In this page, all the schemes that offer instant redemption Facility are displayed. Through Fincash.com, you can avail for instant redemption option for the scheme, Aditya Birla Sun Life Cash Plus Fund and Reliance Liquid Fund – Treasury Plan. The image of this step is displayed below as follows.

Step 3

Step4: Enter Redeemable Amount

The next step is to enter the redeemable amount on the Instant Redemption Page. Here, you need to enter the amount that he/she wishes to redeem. However, there are certain important points that a customer should make note of. The maximum amount that can be redeemed in a day is INR 50,000 or 90% of the investment amount whichever is low. In this case, an example is shown where ₹500 is redeemed from Reliance Liquid Fund – Treasury Plan. After entering the amount to be redeemed, the investor needs to click on the Redeem Button which is below the amount. The image for this step is shown below where the redeemable amount is highlighted in Green and the Redeem Button is highlighted in Blue.

Step 4

Step5: Redemption Summary Page

Once you click on Redeem Button, a new window titled Redemption Summary opens up. This page shows the summary of the scheme and the amount that needs to be redeemed. Here, you if you scroll down the screen, you need to tick mark the Disclaimers Button. Once you tick mark on the disclaimer, the Redeem Button Enables and then you need to click on Redeem. The image for this step is given below where the Disclaimer and Redeem Button are highlighted in Blue and Green.

Step 5

Step6: Enter OTP

Once you click on the next button, a small window pops up wherein; you need to enter your OTP. OTP or One Time Password is a unique number that customer receives both on his/her registered mobile number as well as email at the time of redemption. Ensure, that you enter the correct OTP or else; the transaction might get rejected. The image for the step is as follows where the Enter OTP is highlighted in Green.

Step 6

Step7: Redemption Status

This is the last step in the redemption process where the redemption status appears. Here, people get an Order ID which they can quote for future references. The image for this step is shown as follows.

Step 7

Thus, from the above steps, we can see that the instant redemption process of Mutual Funds through Fincash.com is simple.

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Instant Redemption Mutual Funds

On Fincash.com there are 2 liquid funds which support instant redemption option as listed below

FundNAVNet Assets (Cr)Debt Yield (YTM)Mod. DurationEff. Maturity1 MO (%)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)
Aditya Birla Sun Life Liquid Fund Growth ₹424.405
↑ 0.07
₹51,9135.89%1M 13D1M 13D0.51.53.3775.6
Nippon India Liquid Fund  Growth ₹6,427.91
↑ 0.98
₹35,3885.89%1M 10D1M 13D0.51.53.36.975.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 25 Aug 25

Research Highlights & Commentary of 2 Funds showcased

CommentaryAditya Birla Sun Life Liquid FundNippon India Liquid Fund 
Point 1Highest AUM (₹51,913 Cr).Bottom quartile AUM (₹35,388 Cr).
Point 2Oldest track record among peers (21 yrs).Established history (21+ yrs).
Point 3Top rated.Rating: 4★ (bottom quartile).
Point 4Risk profile: Low.Risk profile: Low.
Point 51Y return: 6.95% (upper mid).1Y return: 6.93% (bottom quartile).
Point 61M return: 0.47% (upper mid).1M return: 0.46% (bottom quartile).
Point 7Sharpe: 3.23 (upper mid).Sharpe: 3.10 (bottom quartile).
Point 8Information ratio: 0.00 (upper mid).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 5.89% (upper mid).Yield to maturity (debt): 5.89% (bottom quartile).
Point 10Modified duration: 0.12 yrs (bottom quartile).Modified duration: 0.11 yrs (upper mid).

Aditya Birla Sun Life Liquid Fund

  • Highest AUM (₹51,913 Cr).
  • Oldest track record among peers (21 yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.95% (upper mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.23 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.89% (upper mid).
  • Modified duration: 0.12 yrs (bottom quartile).

Nippon India Liquid Fund 

  • Bottom quartile AUM (₹35,388 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.93% (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% (bottom quartile).
  • Modified duration: 0.11 yrs (upper mid).

1. Aditya Birla Sun Life Liquid Fund

(Erstwhile Aditya Birla Sun Life Cash Plus Fund)

An Open-ended liquid scheme with the objective to provide reasonable returns at a high level of safety and liquidity through judicious investments in high quality debt and money market instruments.

Research Highlights for Aditya Birla Sun Life Liquid Fund

  • Highest AUM (₹51,913 Cr).
  • Oldest track record among peers (21 yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.95% (upper mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.23 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.89% (upper mid).
  • Modified duration: 0.12 yrs (bottom quartile).
  • Average maturity: 0.12 yrs (upper 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 91 Days Tbill (Md 28/08/2025) (~3.4%).

Below is the key information for Aditya Birla Sun Life Liquid Fund

Aditya Birla Sun Life Liquid Fund
Growth
Launch Date 30 Mar 04
NAV (25 Aug 25) ₹424.405 ↑ 0.07   (0.02 %)
Net Assets (Cr) ₹51,913 on 31 Jul 25
Category Debt - Liquid Fund
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Low
Expense Ratio 0.34
Sharpe Ratio 3.23
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 5.89%
Effective Maturity 1 Month 13 Days
Modified Duration 1 Month 13 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,319
31 Jul 22₹10,699
31 Jul 23₹11,411
31 Jul 24₹12,246
31 Jul 25₹13,108

Aditya Birla Sun Life Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Aditya Birla Sun Life Liquid Fund

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

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 3.3%
1 Year 7%
3 Year 7%
5 Year 5.6%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2015 8.4%
Fund Manager information for Aditya Birla Sun Life Liquid Fund
NameSinceTenure
Sunaina Cunha15 Jul 1114.06 Yr.
Kaustubh Gupta15 Jul 1114.06 Yr.
Sanjay Pawar1 Jul 223.09 Yr.

Data below for Aditya Birla Sun Life Liquid Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash99.75%
Other0.25%
Debt Sector Allocation
SectorValue
Cash Equivalent89.15%
Corporate7.43%
Government3.17%
Credit Quality
RatingValue
AA0.2%
AAA99.8%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 Days Tbill (Md 28/08/2025)
Sovereign Bonds | -
3%₹1,848 Cr186,000,000
8.2% Govt Stock 2025
Sovereign Bonds | -
3%₹1,746 Cr173,701,000
↑ 173,701,000
Canara Bank
Domestic Bonds | -
2%₹1,188 Cr24,000
Bank Of Baroda
Certificate of Deposit | -
2%₹996 Cr20,000
India (Republic of)
- | -
2%₹988 Cr100,000,000
↑ 100,000,000
Punjab National Bank
Domestic Bonds | -
2%₹969 Cr19,500
Bharti Airtel Ltd.
Commercial Paper | -
2%₹967 Cr19,500
182 Days Tbill
Sovereign Bonds | -
2%₹958 Cr96,500,000
↑ 25,000,000
Bank Of Baroda
Certificate of Deposit | -
1%₹748 Cr15,000
Hindustan Zinc Ltd.
Commercial Paper | -
1%₹744 Cr15,000

2. 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 

  • Bottom quartile AUM (₹35,388 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.93% (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% (bottom quartile).
  • Modified duration: 0.11 yrs (upper mid).
  • Average maturity: 0.12 yrs (bottom quartile).
  • 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 (~6.0%).

Below is the key information for Nippon India Liquid Fund 

Nippon India Liquid Fund 
Growth
Launch Date 9 Dec 03
NAV (25 Aug 25) ₹6,427.91 ↑ 0.98   (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.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,316
31 Jul 22₹10,691
31 Jul 23₹11,393
31 Jul 24₹12,223
31 Jul 25₹13,081

Nippon India Liquid Fund  SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹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 25 Aug 25

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 3.3%
1 Year 6.9%
3 Year 7%
5 Year 5.5%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
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 
NameSinceTenure
Kinjal Desai25 May 187.19 Yr.
Vikash Agarwal14 Sep 240.88 Yr.

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

Asset Allocation
Asset ClassValue
Cash99.73%
Other0.27%
Debt Sector Allocation
SectorValue
Cash Equivalent85.86%
Government8.76%
Corporate5.12%
Credit Quality
RatingValue
AA0.13%
AAA99.87%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reverse Repo
CBLO/Reverse Repo | -
6%₹2,456 Cr
India (Republic of)
- | -
3%₹1,036 Cr104,500,000
↑ 5,000,000
Union Bank of India
Domestic Bonds | -
2%₹990 Cr20,000
India (Republic of)
- | -
2%₹849 Cr85,000,000
Bank of Baroda
Debentures | -
2%₹744 Cr15,000
HDFC Bank Ltd.
Debentures | -
2%₹743 Cr15,000
HDFC Bank Limited
Certificate of Deposit | -
2%₹718 Cr14,500
91 Days Tbill Red 21-08-2025
Sovereign Bonds | -
2%₹647 Cr65,000,000
↑ 10,000,000
Indian Oil Corp Ltd.
Commercial Paper | -
1%₹571 Cr11,500
↓ -4,500
India (Republic of)
- | -
1%₹565 Cr56,500,000
↓ -3,000,000

In case if you have more queries, feel free to contact our customer support on +91-22-62820123 on any working day between 9.30am to 6.30 pm or write a mail to us anytime at support@fincash.com. You can even do online chat by logging on our website www.fincash.com.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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KRUSHNA CHANRA MAHAPATRA, posted on 15 Aug 19 1:21 AM

OK NICE AND PRODUCTIVE.

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