+91-22-48913909How to Do Instant Redemption in Mutual Funds Through Fincash.com?
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.
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.
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.
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.
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.
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.
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.
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
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 ₹431.224
↑ 0.11 ₹56,938 6.11% 2M 12D 2M 12D 0.5 1.4 2.9 6.6 7 5.7 Nippon India Liquid Fund Growth ₹6,530.59
↑ 1.97 ₹30,230 6.06% 1M 9D 1M 11D 0.5 1.4 2.9 6.6 6.9 5.7 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 5 Dec 25 Research Highlights & Commentary of 2 Funds showcased
Commentary Aditya Birla Sun Life Liquid Fund Nippon India Liquid Fund Point 1 Highest AUM (₹56,938 Cr). Bottom quartile AUM (₹30,230 Cr). Point 2 Established history (21+ yrs). Oldest track record among peers (22 yrs). Point 3 Top rated. Rating: 4★ (bottom quartile). Point 4 Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.59% (upper mid). 1Y return: 6.57% (bottom quartile). Point 6 1M return: 0.48% (bottom quartile). 1M return: 0.48% (upper mid). Point 7 Sharpe: 2.76 (upper mid). Sharpe: 2.59 (bottom quartile). Point 8 Information ratio: 0.00 (upper mid). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 6.11% (upper mid). Yield to maturity (debt): 6.06% (bottom quartile). Point 10 Modified duration: 0.20 yrs (bottom quartile). Modified duration: 0.11 yrs (upper mid). Aditya Birla Sun Life Liquid Fund
Nippon India 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 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. Research Highlights for Nippon India Liquid Fund Below is the key information for Nippon India Liquid Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Liquid Fund
Aditya Birla Sun Life Liquid Fund
Growth Launch Date 30 Mar 04 NAV (05 Dec 25) ₹431.224 ↑ 0.11 (0.03 %) Net Assets (Cr) ₹56,938 on 31 Oct 25 Category Debt - Liquid Fund AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.34 Sharpe Ratio 2.76 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.11% Effective Maturity 2 Months 12 Days Modified Duration 2 Months 12 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹10,320 30 Nov 22 ₹10,789 30 Nov 23 ₹11,545 30 Nov 24 ₹12,397 30 Nov 25 ₹13,215 Returns for Aditya Birla Sun Life Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Dec 25 Duration Returns 1 Month 0.5% 3 Month 1.4% 6 Month 2.9% 1 Year 6.6% 3 Year 7% 5 Year 5.7% 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 14.31 Yr. Kaustubh Gupta 15 Jul 11 14.31 Yr. Sanjay Pawar 1 Jul 22 3.34 Yr. Data below for Aditya Birla Sun Life Liquid Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 98.11% Debt 1.66% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 71.52% Corporate 18.41% Government 9.84% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -4% ₹2,428 Cr 243,474,300
↑ 243,474,300 Rbl Bank Limited (17/12/2025) ** #
Certificate of Deposit | -4% ₹2,387 Cr 48,000
↑ 48,000 Indusind Bank Limited (18/11/2025) ** #
Certificate of Deposit | -2% ₹1,000 Cr 20,000
↑ 20,000 364 DTB 27112025
Sovereign Bonds | -2% ₹998 Cr 100,000,000 TATA Steel Limited
Commercial Paper | -2% ₹996 Cr 20,000
↑ 20,000 Yes Bank Limited (19/12/2025) ** #
Net Current Assets | -2% ₹995 Cr 20,000 91 DAYS T-BILL - 25DEC2025
Sovereign Bonds | -2% ₹994 Cr 100,000,000 Bank Of India
Certificate of Deposit | -1% ₹892 Cr 17,900
↓ -5,500 India (Republic of)
- | -1% ₹883 Cr 88,500,000
↑ 88,500,000 Axis Bank Limited
Certificate of Deposit | -1% ₹847 Cr 17,000 2. Nippon India Liquid Fund
Nippon India Liquid Fund
Growth Launch Date 9 Dec 03 NAV (05 Dec 25) ₹6,530.59 ↑ 1.97 (0.03 %) Net Assets (Cr) ₹30,230 on 31 Oct 25 Category Debt - Liquid Fund AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Low Expense Ratio 0.33 Sharpe Ratio 2.59 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.06% Effective Maturity 1 Month 11 Days Modified Duration 1 Month 9 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹10,317 30 Nov 22 ₹10,781 30 Nov 23 ₹11,526 30 Nov 24 ₹12,373 30 Nov 25 ₹13,188 Returns for Nippon India Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Dec 25 Duration Returns 1 Month 0.5% 3 Month 1.4% 6 Month 2.9% 1 Year 6.6% 3 Year 6.9% 5 Year 5.7% 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 7.44 Yr. Vikash Agarwal 14 Sep 24 1.13 Yr. Lokesh Maru 5 Sep 25 0.16 Yr. Divya Sharma 5 Sep 25 0.16 Yr. Data below for Nippon India Liquid Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 92.13% Debt 7.56% Other 0.31% Debt Sector Allocation
Sector Value Cash Equivalent 78.38% Government 13% Corporate 8.31% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 91 Days Tbill
Sovereign Bonds | -4% ₹1,138 Cr 115,319,500
↑ 115,319,500 Uco Bank**
Net Current Assets | -2% ₹746 Cr 15,000 Small Industries Development Bank Of India
Commercial Paper | -2% ₹741 Cr 15,000
↑ 15,000 India (Republic of)
- | -2% ₹727 Cr 73,000,000
↑ 73,000,000 Triparty Repo
CBLO/Reverse Repo | -2% ₹674 Cr Hdfc Bank Limited**
Net Current Assets | -2% ₹547 Cr 11,000 India (Republic of)
- | -2% ₹500 Cr 50,000,000
↑ 50,000,000 Bharti Airtel Limited (Formerly Bharti Tele-Ventures Limited)
Commercial Paper | -2% ₹499 Cr 10,000
↑ 10,000 Punjab & Sind Bank**
Net Current Assets | -2% ₹498 Cr 10,000 Punjab National Bank**
Net Current Assets | -2% ₹498 Cr 10,000
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