Fincash » How to Do Instant Redemption in Mutual Funds Through Fincash
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Top 2 Debt - Liquid Fund Funds
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.
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.
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.
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.
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.
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.
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.
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.
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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On Fincash.com there are 2 liquid funds which support instant redemption option as listed below
Fund NAV Net Assets (Cr) Debt Yield (YTM) Mod. Duration Eff. Maturity 1 MO (%) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) Aditya Birla Sun Life Liquid Fund Growth ₹417.09
↑ 0.07 ₹41,051 7.2% 2M 8D 2M 8D 0.5 1.8 3.6 7.3 6.9 5.5 Nippon India Liquid Fund Growth ₹6,316.68
↑ 1.08 ₹28,241 7.32% 1M 17D 1M 21D 0.5 1.8 3.5 7.2 6.8 5.4 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 11 May 25
(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. Aditya Birla Sun Life Liquid Fund is a Debt - Liquid Fund fund was launched on 30 Mar 04. It is a fund with Low risk and has given a Below is the key information for Aditya Birla Sun Life 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. Nippon India Liquid Fund is a Debt - Liquid Fund fund was launched on 9 Dec 03. It is a fund with Low risk and has given a Below is the key information for Nippon India Liquid Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Liquid Fund
CAGR/Annualized
return of 7% since its launch. Ranked 15 in Liquid Fund
category. Return for 2024 was 7.3% , 2023 was 7.1% and 2022 was 4.8% . Aditya Birla Sun Life Liquid Fund
Growth Launch Date 30 Mar 04 NAV (11 May 25) ₹417.09 ↑ 0.07 (0.02 %) Net Assets (Cr) ₹41,051 on 31 Mar 25 Category Debt - Liquid Fund AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.34 Sharpe Ratio 2.96 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.2% Effective Maturity 2 Months 8 Days Modified Duration 2 Months 8 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,347 30 Apr 22 ₹10,700 30 Apr 23 ₹11,340 30 Apr 24 ₹12,162 30 Apr 25 ₹13,049 Returns for Aditya Birla Sun Life Liquid Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 11 May 25 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 3.6% 1 Year 7.3% 3 Year 6.9% 5 Year 5.5% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.3% 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
Name Since Tenure Sunaina Cunha 15 Jul 11 13.8 Yr. Kaustubh Gupta 15 Jul 11 13.8 Yr. Sanjay Pawar 1 Jul 22 2.83 Yr. Data below for Aditya Birla Sun Life Liquid Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 99.8% Other 0.2% Debt Sector Allocation
Sector Value Cash Equivalent 79.71% Corporate 20.09% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Net Receivables / (Payables)
CBLO | -7% -₹3,932 Cr 91 Days Tbill
Sovereign Bonds | -4% ₹1,995 Cr 200,000,000 National Bank for Agriculture and Rural Development
Commercial Paper | -3% ₹1,483 Cr 30,000 Punjab National Bank
Certificate of Deposit | -2% ₹1,240 Cr 25,000 HDFC Bank Limited
Certificate of Deposit | -2% ₹1,216 Cr 24,500 91 DTB 30052025
Sovereign Bonds | -2% ₹1,132 Cr 114,017,700
↑ 114,017,700 National Bank For Agriculture And Rural Development
Commercial Paper | -2% ₹997 Cr 20,000 HDFC Bank Ltd.
Debentures | -2% ₹987 Cr 20,000
↑ 20,000 National Bank for Agriculture and Rural Development
Commercial Paper | -2% ₹984 Cr 20,000
↑ 20,000 Rbl Bank Limited
Certificate of Deposit | -2% ₹940 Cr 19,000
↑ 19,000 2. Nippon India Liquid Fund
CAGR/Annualized
return of 6.9% since its launch. Ranked 11 in Liquid Fund
category. Return for 2024 was 7.3% , 2023 was 7% and 2022 was 4.8% . Nippon India Liquid Fund
Growth Launch Date 9 Dec 03 NAV (11 May 25) ₹6,316.68 ↑ 1.08 (0.02 %) Net Assets (Cr) ₹28,241 on 31 Mar 25 Category Debt - Liquid Fund AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Low Expense Ratio 0.33 Sharpe Ratio 2.66 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.32% Effective Maturity 1 Month 21 Days Modified Duration 1 Month 17 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,341 30 Apr 22 ₹10,690 30 Apr 23 ₹11,319 30 Apr 24 ₹12,136 30 Apr 25 ₹13,015 Returns for Nippon India Liquid Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 11 May 25 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 3.5% 1 Year 7.2% 3 Year 6.8% 5 Year 5.4% 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 6.94 Yr. Vikash Agarwal 14 Sep 24 0.63 Yr. Data below for Nippon India Liquid Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 99.5% Debt 0.28% Other 0.22% Debt Sector Allocation
Sector Value Cash Equivalent 85.26% Corporate 13.39% Government 1.13% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Net Current Assets
Net Current Assets | -9% -₹3,066 Cr 5.22% Govt Stock 2025
Sovereign Bonds | -5% ₹1,733 Cr 173,500,000
↑ 67,500,000 Reverse Repo
CBLO/Reverse Repo | -4% ₹1,543 Cr 91 Days Tbill Red 12-06-2025
Sovereign Bonds | -3% ₹1,038 Cr 104,500,000 91 Days Tbill Red 19-06-2025
Sovereign Bonds | -2% ₹854 Cr 86,068,400
↑ 18,000,000 National Bk For Agriculture & Rural Dev. **
Commercial Paper | -2% ₹745 Cr 15,000 91 Days Tbill Red 05-06-2025
Sovereign Bonds | -2% ₹676 Cr 68,000,000 Bank Of Baroda
Certificate of Deposit | -2% ₹646 Cr 13,000
↑ 2,000 National Bank For Agriculture And Rural Development**
Commercial Paper | -2% ₹594 Cr 12,000
↓ -3,000 HDFC Bank Ltd.
Debentures | -2% ₹594 Cr 12,000
↑ 12,000
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