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लिक्विड म्यूचुअल फंड: कैसे चुनें?

Updated on September 17, 2025 , 2909 views

तरलम्यूचुअल फंड्स अनिवार्य रूप से हैंमुद्रा बाजार (ऋण) फंड जो छोटी अवधि के पैसे में निवेश करते हैंमंडी ट्रेजरी बिल, सावधि जमा, जमा प्रमाणपत्र, वाणिज्यिक पत्र आदि सहित उपकरण। आम तौर पर, लिक्विड म्यूचुअल फंड आपके पैसे को छोटी अवधि के लिए निवेश करने के विकल्प होते हैं। प्रतिभूतियां जो का हिस्सा हैंलिक्विड फंड 91 दिनों से कम की परिपक्वता है। लिक्विड फंड में कोई लॉक-इन अवधि नहीं होती है, इसलिए निवेश की गई संपत्ति लंबे समय के लिए बाध्य नहीं होती है, इस प्रकार आपके पैसे उपलब्ध रहते हैं। लिक्विड फंड रिटर्न अस्थिर होते हैं क्योंकि वे वित्तीय बाजार में फंड के प्रदर्शन पर निर्भर होते हैं। का चयन करनाबेस्ट लिक्विड फंड हालांकि, यह एक मुश्किल काम है, कोई भी उन्हें आंकने के लिए कुछ मापदंडों का उपयोग कर सकता है।

लिक्विड म्युचुअल फंड का चयन करने के लिए जिन बुनियादी मापदंडों का उपयोग किया जा सकता है, वे इस प्रकार हैं:

  • रिटर्न या पिछला ट्रैक रिकॉर्ड
  • पोर्टफोलियो और परिपक्वता प्रोफ़ाइल
  • लिक्विडिटी फंड का आकार &
  • रेटिंग एजेंसी द्वारा प्रदर्शन रेटिंग

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1. लिक्विड फंड रिटर्न

विभिन्न लिक्विड फंडों पर रिटर्न को देखते हुए:

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
BOI AXA Liquid Fund Growth ₹3,045.09
↑ 0.47
₹1,8240.51.43.36.97.45.82%1M 10D1M 10D
Axis Liquid Fund Growth ₹2,943.97
↑ 0.45
₹37,1220.51.43.36.97.45.9%1M 9D1M 11D
Indiabulls Liquid Fund Growth ₹2,557.04
↑ 0.42
₹3030.51.43.36.97.45.88%1M 3D1M 3D
PGIM India Insta Cash Fund Growth ₹344.205
↑ 0.06
₹5270.51.43.36.97.35.83%20D22D
Canara Robeco Liquid Growth ₹3,183.42
↑ 0.49
₹8,3100.51.43.36.97.45.82%1M 1D1M 3D
Edelweiss Liquid Fund Growth ₹3,381.28
↑ 0.54
₹10,2180.51.43.36.97.35.83%1M 10D1M 10D
Tata Liquid Fund Growth ₹4,164.23
↑ 0.63
₹20,4040.51.43.36.97.35.94%1M 9D1M 9D
DSP Liquidity Fund Growth ₹3,774.63
↑ 0.55
₹19,9260.51.43.36.97.45.87%1M 6D1M 10D
Invesco India Liquid Fund Growth ₹3,633.98
↑ 0.54
₹14,5430.51.43.36.97.45.84%1M 10D1M 10D
UTI Liquid Cash Plan Growth ₹4,337.47
↑ 0.64
₹25,0370.51.43.36.97.35.93%1M 6D1M 6D
Aditya Birla Sun Life Liquid Fund Growth ₹426.03
↑ 0.06
₹49,7210.51.43.36.97.36%1M 2D1M 2D
Mirae Asset Cash Management Fund Growth ₹2,772.34
↑ 0.41
₹13,7910.51.43.36.87.35.87%1M 10D1M 12D
Mahindra Liquid Fund Growth ₹1,720.71
↑ 0.27
₹1,2310.51.43.26.87.45.93%1M 6D1M 8D
Kotak Liquid Fund Growth ₹5,343.92
↑ 0.83
₹40,6750.51.43.36.87.35.94%1M 10D1M 10D
Nippon India Liquid Fund  Growth ₹6,452.2
↑ 0.97
₹30,9650.51.43.36.87.35.89%1M 10D1M 13D
ICICI Prudential Liquid Fund Growth ₹391.382
↑ 0.06
₹52,3400.51.43.36.87.45.87%1M 1D1M 4D
HDFC Liquid Fund Growth ₹5,186.96
↑ 0.83
₹61,3990.51.43.36.87.35.88%1M 7D1M 11D
LIC MF Liquid Fund Growth ₹4,778.8
↑ 0.73
₹13,1620.51.43.26.87.45.87%1M 11D1M 11D
Baroda Pioneer Liquid Fund Growth ₹3,039.2
↑ 0.45
₹10,1500.51.43.26.87.35.88%1M 8D1M 8D
Bandhan Cash Fund Growth ₹3,192.97
↑ 0.49
₹13,6320.51.43.26.87.35.84%1M 6D1M 6D
SBI Liquid Fund Growth ₹4,132.04
↑ 0.62
₹63,8240.51.43.26.87.35.86%1M 6D1M 6D
JM Liquid Fund Growth ₹72.1291
↑ 0.01
₹2,6950.51.43.26.87.25.83%1M 7D1M 9D
IIFL Liquid Fund Growth ₹2,034.89
↑ 0.32
₹9100.51.43.16.77.25.81%1M 6D1M 10D
IDBI Liquid Fund Growth ₹2,454.04
↑ 0.35
₹5030.51.73.46.6 6.66%1M 7D1M 10D
Sundaram Money Fund Growth ₹44.1929
↑ 0.00
₹3,1440.30.81.73.3 3.5%1M 2D1M 2D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 25 Funds showcased

CommentaryBOI AXA Liquid FundAxis Liquid FundIndiabulls Liquid Fund PGIM India Insta Cash FundCanara Robeco LiquidEdelweiss Liquid FundTata Liquid FundDSP Liquidity FundInvesco India Liquid FundUTI Liquid Cash PlanAditya Birla Sun Life Liquid FundMirae Asset Cash Management FundMahindra Liquid FundKotak Liquid FundNippon India Liquid Fund ICICI Prudential Liquid FundHDFC Liquid Fund LIC MF Liquid FundBaroda Pioneer Liquid FundBandhan Cash FundSBI Liquid FundJM Liquid FundIIFL Liquid FundIDBI Liquid FundSundaram Money Fund
Point 1Bottom quartile AUM (₹1,824 Cr).Top quartile AUM (₹37,122 Cr).Bottom quartile AUM (₹303 Cr).Bottom quartile AUM (₹527 Cr).Lower mid AUM (₹8,310 Cr).Lower mid AUM (₹10,218 Cr).Upper mid AUM (₹20,404 Cr).Upper mid AUM (₹19,926 Cr).Upper mid AUM (₹14,543 Cr).Upper mid AUM (₹25,037 Cr).Top quartile AUM (₹49,721 Cr).Upper mid AUM (₹13,791 Cr).Bottom quartile AUM (₹1,231 Cr).Top quartile AUM (₹40,675 Cr).Upper mid AUM (₹30,965 Cr).Top quartile AUM (₹52,340 Cr).Top quartile AUM (₹61,399 Cr).Lower mid AUM (₹13,162 Cr).Lower mid AUM (₹10,150 Cr).Lower mid AUM (₹13,632 Cr).Highest AUM (₹63,824 Cr).Bottom quartile AUM (₹2,695 Cr).Bottom quartile AUM (₹910 Cr).Bottom quartile AUM (₹503 Cr).Lower mid AUM (₹3,144 Cr).
Point 2Established history (17+ yrs).Established history (15+ yrs).Established history (13+ yrs).Established history (18+ yrs).Established history (17+ yrs).Established history (18+ yrs).Established history (21+ yrs).Established history (19+ yrs).Established history (18+ yrs).Established history (21+ yrs).Established history (21+ yrs).Established history (16+ yrs).Established history (9+ yrs).Established history (21+ yrs).Established history (21+ yrs).Established history (19+ yrs).Established history (24+ yrs).Established history (23+ yrs).Established history (16+ yrs).Established history (17+ yrs).Established history (18+ yrs).Oldest track record among peers (27 yrs).Established history (11+ yrs).Established history (15+ yrs).Established history (19+ yrs).
Point 3Rating: 3★ (upper mid).Rating: 4★ (upper mid).Rating: 5★ (top quartile).Top rated.Rating: 3★ (lower mid).Rating: 2★ (bottom quartile).Rating: 4★ (upper mid).Rating: 3★ (lower mid).Rating: 4★ (top quartile).Rating: 3★ (lower mid).Rating: 4★ (top quartile).Rating: 2★ (bottom quartile).Not Rated.Rating: 3★ (lower mid).Rating: 4★ (upper mid).Rating: 4★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (lower mid).Rating: 4★ (top quartile).Rating: 3★ (bottom quartile).Rating: 3★ (bottom quartile).Rating: 5★ (top quartile).Not Rated.Rating: 3★ (bottom quartile).Rating: 3★ (upper mid).
Point 4Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.
Point 51Y return: 6.92% (top quartile).1Y return: 6.91% (top quartile).1Y return: 6.90% (top quartile).1Y return: 6.89% (top quartile).1Y return: 6.88% (top quartile).1Y return: 6.88% (top quartile).1Y return: 6.88% (upper mid).1Y return: 6.87% (upper mid).1Y return: 6.87% (upper mid).1Y return: 6.87% (upper mid).1Y return: 6.86% (upper mid).1Y return: 6.84% (upper mid).1Y return: 6.84% (lower mid).1Y return: 6.84% (lower mid).1Y return: 6.84% (lower mid).1Y return: 6.84% (lower mid).1Y return: 6.83% (lower mid).1Y return: 6.78% (lower mid).1Y return: 6.77% (bottom quartile).1Y return: 6.77% (bottom quartile).1Y return: 6.76% (bottom quartile).1Y return: 6.76% (bottom quartile).1Y return: 6.66% (bottom quartile).1Y return: 6.55% (bottom quartile).1Y return: 3.29% (bottom quartile).
Point 61M return: 0.48% (top quartile).1M return: 0.47% (upper mid).1M return: 0.48% (upper mid).1M return: 0.48% (top quartile).1M return: 0.48% (top quartile).1M return: 0.48% (top quartile).1M return: 0.47% (upper mid).1M return: 0.47% (lower mid).1M return: 0.47% (lower mid).1M return: 0.47% (upper mid).1M return: 0.48% (top quartile).1M return: 0.47% (lower mid).1M return: 0.47% (lower mid).1M return: 0.47% (upper mid).1M return: 0.47% (lower mid).1M return: 0.47% (upper mid).1M return: 0.47% (bottom quartile).1M return: 0.47% (bottom quartile).1M return: 0.46% (bottom quartile).1M return: 0.46% (bottom quartile).1M return: 0.47% (bottom quartile).1M return: 0.47% (lower mid).1M return: 0.46% (bottom quartile).1M return: 0.53% (top quartile).1M return: 0.29% (bottom quartile).
Point 7Sharpe: 4.59 (top quartile).Sharpe: 3.41 (upper mid).Sharpe: 3.54 (upper mid).Sharpe: 3.57 (top quartile).Sharpe: 3.48 (upper mid).Sharpe: 3.91 (top quartile).Sharpe: 3.56 (upper mid).Sharpe: 3.56 (upper mid).Sharpe: 3.79 (top quartile).Sharpe: 3.40 (lower mid).Sharpe: 3.41 (upper mid).Sharpe: 3.82 (top quartile).Sharpe: 3.61 (top quartile).Sharpe: 3.13 (lower mid).Sharpe: 3.30 (lower mid).Sharpe: 3.34 (lower mid).Sharpe: 3.05 (bottom quartile).Sharpe: 3.26 (lower mid).Sharpe: 3.07 (bottom quartile).Sharpe: 3.18 (lower mid).Sharpe: 2.79 (bottom quartile).Sharpe: 2.95 (bottom quartile).Sharpe: 2.72 (bottom quartile).Sharpe: 0.20 (bottom quartile).Sharpe: -3.87 (bottom quartile).
Point 8Information ratio: 0.74 (top quartile).Information ratio: 0.00 (lower mid).Information ratio: -1.18 (bottom quartile).Information ratio: -0.64 (lower mid).Information ratio: 0.08 (top quartile).Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (lower mid).Information ratio: -0.74 (bottom quartile).Information ratio: -0.92 (bottom quartile).Information ratio: 0.00 (lower mid).Information ratio: -1.18 (bottom quartile).Information ratio: 0.00 (top quartile).Information ratio: 0.00 (top quartile).Information ratio: -2.17 (bottom quartile).Information ratio: -2.96 (bottom quartile).Information ratio: -5.96 (bottom quartile).Information ratio: 0.00 (top quartile).
Point 9Yield to maturity (debt): 5.82% (bottom quartile).Yield to maturity (debt): 5.90% (upper mid).Yield to maturity (debt): 5.88% (upper mid).Yield to maturity (debt): 5.83% (bottom quartile).Yield to maturity (debt): 5.82% (bottom quartile).Yield to maturity (debt): 5.83% (bottom quartile).Yield to maturity (debt): 5.94% (top quartile).Yield to maturity (debt): 5.87% (lower mid).Yield to maturity (debt): 5.84% (lower mid).Yield to maturity (debt): 5.93% (top quartile).Yield to maturity (debt): 6.00% (top quartile).Yield to maturity (debt): 5.87% (lower mid).Yield to maturity (debt): 5.93% (top quartile).Yield to maturity (debt): 5.94% (top quartile).Yield to maturity (debt): 5.89% (upper mid).Yield to maturity (debt): 5.87% (lower mid).Yield to maturity (debt): 5.88% (upper mid).Yield to maturity (debt): 5.87% (upper mid).Yield to maturity (debt): 5.88% (upper mid).Yield to maturity (debt): 5.84% (lower mid).Yield to maturity (debt): 5.86% (lower mid).Yield to maturity (debt): 5.83% (bottom quartile).Yield to maturity (debt): 5.81% (bottom quartile).Yield to maturity (debt): 6.66% (top quartile).Yield to maturity (debt): 3.50% (bottom quartile).
Point 10Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.11 yrs (lower mid).Modified duration: 0.09 yrs (top quartile).Modified duration: 0.06 yrs (top quartile).Modified duration: 0.09 yrs (top quartile).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.11 yrs (lower mid).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.09 yrs (top quartile).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.09 yrs (top quartile).Modified duration: 0.10 yrs (lower mid).Modified duration: 0.12 yrs (bottom quartile).Modified duration: 0.11 yrs (lower mid).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.10 yrs (lower mid).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.10 yrs (lower mid).Modified duration: 0.09 yrs (top quartile).

BOI AXA Liquid Fund

  • Bottom quartile AUM (₹1,824 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.92% (top quartile).
  • 1M return: 0.48% (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 (bottom quartile).

Axis Liquid Fund

  • Top quartile AUM (₹37,122 Cr).
  • Established history (15+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.91% (top quartile).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.41 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.90% (upper mid).
  • Modified duration: 0.11 yrs (lower mid).

Indiabulls Liquid Fund

  • Bottom quartile AUM (₹303 Cr).
  • Established history (13+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.90% (top quartile).
  • 1M return: 0.48% (upper mid).
  • Sharpe: 3.54 (upper mid).
  • Information ratio: -1.18 (bottom quartile).
  • Yield to maturity (debt): 5.88% (upper mid).
  • Modified duration: 0.09 yrs (top quartile).

PGIM India Insta Cash Fund

  • Bottom quartile AUM (₹527 Cr).
  • Established history (18+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.89% (top quartile).
  • 1M return: 0.48% (top quartile).
  • Sharpe: 3.57 (top quartile).
  • Information ratio: -0.64 (lower mid).
  • Yield to maturity (debt): 5.83% (bottom quartile).
  • Modified duration: 0.06 yrs (top quartile).

Canara Robeco Liquid

  • Lower mid AUM (₹8,310 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.88% (top quartile).
  • 1M return: 0.48% (top quartile).
  • Sharpe: 3.48 (upper mid).
  • Information ratio: 0.08 (top quartile).
  • Yield to maturity (debt): 5.82% (bottom quartile).
  • Modified duration: 0.09 yrs (top quartile).

Edelweiss Liquid Fund

  • Lower mid AUM (₹10,218 Cr).
  • Established history (18+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.88% (top quartile).
  • 1M return: 0.48% (top quartile).
  • Sharpe: 3.91 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.83% (bottom quartile).
  • Modified duration: 0.11 yrs (bottom quartile).

Tata Liquid Fund

  • Upper mid AUM (₹20,404 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.88% (upper mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.56 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.94% (top quartile).
  • Modified duration: 0.11 yrs (lower mid).

DSP Liquidity Fund

  • Upper mid AUM (₹19,926 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.87% (upper mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.56 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.87% (lower mid).
  • Modified duration: 0.10 yrs (upper mid).

Invesco India Liquid Fund

  • Upper mid AUM (₹14,543 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.87% (upper mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.79 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.84% (lower mid).
  • Modified duration: 0.11 yrs (bottom quartile).

UTI Liquid Cash Plan

  • Upper mid AUM (₹25,037 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.87% (upper mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.40 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.93% (top quartile).
  • Modified duration: 0.10 yrs (upper mid).

Aditya Birla Sun Life Liquid Fund

  • Top quartile AUM (₹49,721 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.86% (upper mid).
  • 1M return: 0.48% (top quartile).
  • Sharpe: 3.41 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.00% (top quartile).
  • Modified duration: 0.09 yrs (top quartile).

Mirae Asset Cash Management Fund

  • Upper mid AUM (₹13,791 Cr).
  • Established history (16+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.84% (upper mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.82 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.87% (lower mid).
  • Modified duration: 0.11 yrs (bottom quartile).

Mahindra Liquid Fund

  • Bottom quartile AUM (₹1,231 Cr).
  • Established history (9+ yrs).
  • Not Rated.
  • Risk profile: Low.
  • 1Y return: 6.84% (lower mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.61 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.93% (top quartile).
  • Modified duration: 0.10 yrs (upper mid).

Kotak Liquid Fund

  • Top quartile AUM (₹40,675 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.84% (lower mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.13 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.94% (top quartile).
  • Modified duration: 0.11 yrs (bottom quartile).

Nippon India Liquid Fund 

  • Upper mid AUM (₹30,965 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.84% (lower mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.30 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.89% (upper mid).
  • Modified duration: 0.11 yrs (bottom quartile).

ICICI Prudential Liquid Fund

  • Top quartile AUM (₹52,340 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.84% (lower mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.34 (lower mid).
  • Information ratio: -0.74 (bottom quartile).
  • Yield to maturity (debt): 5.87% (lower mid).
  • Modified duration: 0.09 yrs (top quartile).

HDFC Liquid Fund

  • Top quartile AUM (₹61,399 Cr).
  • Established history (24+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.83% (lower mid).
  • 1M return: 0.47% (bottom quartile).
  • Sharpe: 3.05 (bottom quartile).
  • Information ratio: -0.92 (bottom quartile).
  • Yield to maturity (debt): 5.88% (upper mid).
  • Modified duration: 0.10 yrs (lower mid).

LIC MF Liquid Fund

  • Lower mid AUM (₹13,162 Cr).
  • Established history (23+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.78% (lower mid).
  • 1M return: 0.47% (bottom quartile).
  • Sharpe: 3.26 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.87% (upper mid).
  • Modified duration: 0.12 yrs (bottom quartile).

Baroda Pioneer Liquid Fund

  • Lower mid AUM (₹10,150 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.77% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.07 (bottom quartile).
  • Information ratio: -1.18 (bottom quartile).
  • Yield to maturity (debt): 5.88% (upper mid).
  • Modified duration: 0.11 yrs (lower mid).

Bandhan Cash Fund

  • Lower mid AUM (₹13,632 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.77% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.18 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.84% (lower mid).
  • Modified duration: 0.10 yrs (upper mid).

SBI Liquid Fund

  • Highest AUM (₹63,824 Cr).
  • Established history (18+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.76% (bottom quartile).
  • 1M return: 0.47% (bottom quartile).
  • Sharpe: 2.79 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.86% (lower mid).
  • Modified duration: 0.10 yrs (upper mid).

JM Liquid Fund

  • Bottom quartile AUM (₹2,695 Cr).
  • Oldest track record among peers (27 yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.76% (bottom quartile).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 2.95 (bottom quartile).
  • Information ratio: -2.17 (bottom quartile).
  • Yield to maturity (debt): 5.83% (bottom quartile).
  • Modified duration: 0.10 yrs (lower mid).

IIFL Liquid Fund

  • Bottom quartile AUM (₹910 Cr).
  • Established history (11+ yrs).
  • Not Rated.
  • Risk profile: Low.
  • 1Y return: 6.66% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 2.72 (bottom quartile).
  • Information ratio: -2.96 (bottom quartile).
  • Yield to maturity (debt): 5.81% (bottom quartile).
  • Modified duration: 0.10 yrs (upper mid).

IDBI Liquid Fund

  • Bottom quartile AUM (₹503 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.55% (bottom quartile).
  • 1M return: 0.53% (top quartile).
  • Sharpe: 0.20 (bottom quartile).
  • Information ratio: -5.96 (bottom quartile).
  • Yield to maturity (debt): 6.66% (top quartile).
  • Modified duration: 0.10 yrs (lower mid).

Sundaram Money Fund

  • Lower mid AUM (₹3,144 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 3.29% (bottom quartile).
  • 1M return: 0.29% (bottom quartile).
  • Sharpe: -3.87 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 3.50% (bottom quartile).
  • Modified duration: 0.09 yrs (top quartile).
95% फंड का रिटर्न 7.25% से 7.75% के बीच है। इसलिए लिक्विड फंड रिटर्न बहुत करीब हैश्रेणी और यहां तक कि अगर कोई "सर्वश्रेष्ठ लिक्विड फंड" नहीं चुनता है, तो वे उच्चतम या औसत रिटर्न से बहुत दूर नहीं हैं।

2. लिक्विड म्यूचुअल फंड का पोर्टफोलियो और मैच्योरिटी प्रोफाइल

लिक्विड म्यूचुअल फंड के पोर्टफोलियो में ऐसी प्रतिभूतियां होती हैं जिनकी परिपक्वता अवधि 91 दिनों से कम होती है। हालांकि कोई जा सकता है और क्रेडिट गुणवत्ता के बारे में बात कर सकता है (सरल शब्दों में, पोर्टफोलियो में प्रतिभूतियां कितनी अच्छी हैं) और पोर्टफोलियो को अलग करने का प्रयास करें, हालांकि, वास्तविक अनुभव यह है कि, जब तक कि पोर्टफोलियो के साथ कुछ बहुत खराब गुणवत्ता वाले वास्तविक मुद्दे न हों प्रतिभूतियां, लिक्विड फंड एक मुद्दा नहीं होना चाहिए। आज तक, कोई पता नहीं चला हैचूक लिक्विड फंड पोर्टफोलियो में और कंपनियां आमतौर पर शॉर्ट मैच्योरिटी पेपर पर डिफॉल्ट नहीं करती हैं। हालाँकि, उपरोक्त कहने के बाद, फंड का पोर्टफोलियो फंड की उपज और उसके बाद के प्रदर्शन पर विचार देगा। यह अक्सर कहा जाता है कि "पिछला प्रदर्शन भविष्य के प्रदर्शन का संकेतक नहीं है" और लिक्विड म्यूचुअल फंड के लिए, अगर किसी को कुछ अनुमान लगाने की कोशिश करनी है, तो उन्हें केवल पोर्टफोलियो को देखना है। प्रतिभूतियों के प्रकार (वाणिज्यिक कागजात (सीपी), जमा प्रमाणपत्र (सीडी) आदि), क्रेडिट गुणवत्ता और प्रतिफल से यह पता चलता है कि फंड का रिटर्न प्रोफाइल क्या हो सकता है। पोर्टफोलियो की गुणवत्ता लिक्विड फंड के प्रदर्शन का एक अच्छा संकेतक है। सभी लिक्विड म्यूचुअल फंड की मैच्योरिटी आमतौर पर कुछ दिनों की होती है और 91 दिनों से काफी कम होती है। ज्यादातर मामलों में यह समान है।

3. चलनिधि और निधि का आकार

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
BOI AXA Liquid Fund Growth ₹3,045.09
↑ 0.47
₹1,8240.51.43.36.97.45.82%1M 10D1M 10D
Axis Liquid Fund Growth ₹2,943.97
↑ 0.45
₹37,1220.51.43.36.97.45.9%1M 9D1M 11D
Indiabulls Liquid Fund Growth ₹2,557.04
↑ 0.42
₹3030.51.43.36.97.45.88%1M 3D1M 3D
PGIM India Insta Cash Fund Growth ₹344.205
↑ 0.06
₹5270.51.43.36.97.35.83%20D22D
Canara Robeco Liquid Growth ₹3,183.42
↑ 0.49
₹8,3100.51.43.36.97.45.82%1M 1D1M 3D
Edelweiss Liquid Fund Growth ₹3,381.28
↑ 0.54
₹10,2180.51.43.36.97.35.83%1M 10D1M 10D
Tata Liquid Fund Growth ₹4,164.23
↑ 0.63
₹20,4040.51.43.36.97.35.94%1M 9D1M 9D
DSP Liquidity Fund Growth ₹3,774.63
↑ 0.55
₹19,9260.51.43.36.97.45.87%1M 6D1M 10D
Invesco India Liquid Fund Growth ₹3,633.98
↑ 0.54
₹14,5430.51.43.36.97.45.84%1M 10D1M 10D
UTI Liquid Cash Plan Growth ₹4,337.47
↑ 0.64
₹25,0370.51.43.36.97.35.93%1M 6D1M 6D
Aditya Birla Sun Life Liquid Fund Growth ₹426.03
↑ 0.06
₹49,7210.51.43.36.97.36%1M 2D1M 2D
Mirae Asset Cash Management Fund Growth ₹2,772.34
↑ 0.41
₹13,7910.51.43.36.87.35.87%1M 10D1M 12D
Mahindra Liquid Fund Growth ₹1,720.71
↑ 0.27
₹1,2310.51.43.26.87.45.93%1M 6D1M 8D
Kotak Liquid Fund Growth ₹5,343.92
↑ 0.83
₹40,6750.51.43.36.87.35.94%1M 10D1M 10D
Nippon India Liquid Fund  Growth ₹6,452.2
↑ 0.97
₹30,9650.51.43.36.87.35.89%1M 10D1M 13D
ICICI Prudential Liquid Fund Growth ₹391.382
↑ 0.06
₹52,3400.51.43.36.87.45.87%1M 1D1M 4D
HDFC Liquid Fund Growth ₹5,186.96
↑ 0.83
₹61,3990.51.43.36.87.35.88%1M 7D1M 11D
LIC MF Liquid Fund Growth ₹4,778.8
↑ 0.73
₹13,1620.51.43.26.87.45.87%1M 11D1M 11D
Baroda Pioneer Liquid Fund Growth ₹3,039.2
↑ 0.45
₹10,1500.51.43.26.87.35.88%1M 8D1M 8D
Bandhan Cash Fund Growth ₹3,192.97
↑ 0.49
₹13,6320.51.43.26.87.35.84%1M 6D1M 6D
SBI Liquid Fund Growth ₹4,132.04
↑ 0.62
₹63,8240.51.43.26.87.35.86%1M 6D1M 6D
JM Liquid Fund Growth ₹72.1291
↑ 0.01
₹2,6950.51.43.26.87.25.83%1M 7D1M 9D
IIFL Liquid Fund Growth ₹2,034.89
↑ 0.32
₹9100.51.43.16.77.25.81%1M 6D1M 10D
IDBI Liquid Fund Growth ₹2,454.04
↑ 0.35
₹5030.51.73.46.6 6.66%1M 7D1M 10D
Sundaram Money Fund Growth ₹44.1929
↑ 0.00
₹3,1440.30.81.73.3 3.5%1M 2D1M 2D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 25 Funds showcased

CommentaryBOI AXA Liquid FundAxis Liquid FundIndiabulls Liquid Fund PGIM India Insta Cash FundCanara Robeco LiquidEdelweiss Liquid FundTata Liquid FundDSP Liquidity FundInvesco India Liquid FundUTI Liquid Cash PlanAditya Birla Sun Life Liquid FundMirae Asset Cash Management FundMahindra Liquid FundKotak Liquid FundNippon India Liquid Fund ICICI Prudential Liquid FundHDFC Liquid Fund LIC MF Liquid FundBaroda Pioneer Liquid FundBandhan Cash FundSBI Liquid FundJM Liquid FundIIFL Liquid FundIDBI Liquid FundSundaram Money Fund
Point 1Bottom quartile AUM (₹1,824 Cr).Top quartile AUM (₹37,122 Cr).Bottom quartile AUM (₹303 Cr).Bottom quartile AUM (₹527 Cr).Lower mid AUM (₹8,310 Cr).Lower mid AUM (₹10,218 Cr).Upper mid AUM (₹20,404 Cr).Upper mid AUM (₹19,926 Cr).Upper mid AUM (₹14,543 Cr).Upper mid AUM (₹25,037 Cr).Top quartile AUM (₹49,721 Cr).Upper mid AUM (₹13,791 Cr).Bottom quartile AUM (₹1,231 Cr).Top quartile AUM (₹40,675 Cr).Upper mid AUM (₹30,965 Cr).Top quartile AUM (₹52,340 Cr).Top quartile AUM (₹61,399 Cr).Lower mid AUM (₹13,162 Cr).Lower mid AUM (₹10,150 Cr).Lower mid AUM (₹13,632 Cr).Highest AUM (₹63,824 Cr).Bottom quartile AUM (₹2,695 Cr).Bottom quartile AUM (₹910 Cr).Bottom quartile AUM (₹503 Cr).Lower mid AUM (₹3,144 Cr).
Point 2Established history (17+ yrs).Established history (15+ yrs).Established history (13+ yrs).Established history (18+ yrs).Established history (17+ yrs).Established history (18+ yrs).Established history (21+ yrs).Established history (19+ yrs).Established history (18+ yrs).Established history (21+ yrs).Established history (21+ yrs).Established history (16+ yrs).Established history (9+ yrs).Established history (21+ yrs).Established history (21+ yrs).Established history (19+ yrs).Established history (24+ yrs).Established history (23+ yrs).Established history (16+ yrs).Established history (17+ yrs).Established history (18+ yrs).Oldest track record among peers (27 yrs).Established history (11+ yrs).Established history (15+ yrs).Established history (19+ yrs).
Point 3Rating: 3★ (upper mid).Rating: 4★ (upper mid).Rating: 5★ (top quartile).Top rated.Rating: 3★ (lower mid).Rating: 2★ (bottom quartile).Rating: 4★ (upper mid).Rating: 3★ (lower mid).Rating: 4★ (top quartile).Rating: 3★ (lower mid).Rating: 4★ (top quartile).Rating: 2★ (bottom quartile).Not Rated.Rating: 3★ (lower mid).Rating: 4★ (upper mid).Rating: 4★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (lower mid).Rating: 4★ (top quartile).Rating: 3★ (bottom quartile).Rating: 3★ (bottom quartile).Rating: 5★ (top quartile).Not Rated.Rating: 3★ (bottom quartile).Rating: 3★ (upper mid).
Point 4Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.
Point 51Y return: 6.92% (top quartile).1Y return: 6.91% (top quartile).1Y return: 6.90% (top quartile).1Y return: 6.89% (top quartile).1Y return: 6.88% (top quartile).1Y return: 6.88% (top quartile).1Y return: 6.88% (upper mid).1Y return: 6.87% (upper mid).1Y return: 6.87% (upper mid).1Y return: 6.87% (upper mid).1Y return: 6.86% (upper mid).1Y return: 6.84% (upper mid).1Y return: 6.84% (lower mid).1Y return: 6.84% (lower mid).1Y return: 6.84% (lower mid).1Y return: 6.84% (lower mid).1Y return: 6.83% (lower mid).1Y return: 6.78% (lower mid).1Y return: 6.77% (bottom quartile).1Y return: 6.77% (bottom quartile).1Y return: 6.76% (bottom quartile).1Y return: 6.76% (bottom quartile).1Y return: 6.66% (bottom quartile).1Y return: 6.55% (bottom quartile).1Y return: 3.29% (bottom quartile).
Point 61M return: 0.48% (top quartile).1M return: 0.47% (upper mid).1M return: 0.48% (upper mid).1M return: 0.48% (top quartile).1M return: 0.48% (top quartile).1M return: 0.48% (top quartile).1M return: 0.47% (upper mid).1M return: 0.47% (lower mid).1M return: 0.47% (lower mid).1M return: 0.47% (upper mid).1M return: 0.48% (top quartile).1M return: 0.47% (lower mid).1M return: 0.47% (lower mid).1M return: 0.47% (upper mid).1M return: 0.47% (lower mid).1M return: 0.47% (upper mid).1M return: 0.47% (bottom quartile).1M return: 0.47% (bottom quartile).1M return: 0.46% (bottom quartile).1M return: 0.46% (bottom quartile).1M return: 0.47% (bottom quartile).1M return: 0.47% (lower mid).1M return: 0.46% (bottom quartile).1M return: 0.53% (top quartile).1M return: 0.29% (bottom quartile).
Point 7Sharpe: 4.59 (top quartile).Sharpe: 3.41 (upper mid).Sharpe: 3.54 (upper mid).Sharpe: 3.57 (top quartile).Sharpe: 3.48 (upper mid).Sharpe: 3.91 (top quartile).Sharpe: 3.56 (upper mid).Sharpe: 3.56 (upper mid).Sharpe: 3.79 (top quartile).Sharpe: 3.40 (lower mid).Sharpe: 3.41 (upper mid).Sharpe: 3.82 (top quartile).Sharpe: 3.61 (top quartile).Sharpe: 3.13 (lower mid).Sharpe: 3.30 (lower mid).Sharpe: 3.34 (lower mid).Sharpe: 3.05 (bottom quartile).Sharpe: 3.26 (lower mid).Sharpe: 3.07 (bottom quartile).Sharpe: 3.18 (lower mid).Sharpe: 2.79 (bottom quartile).Sharpe: 2.95 (bottom quartile).Sharpe: 2.72 (bottom quartile).Sharpe: 0.20 (bottom quartile).Sharpe: -3.87 (bottom quartile).
Point 8Information ratio: 0.74 (top quartile).Information ratio: 0.00 (lower mid).Information ratio: -1.18 (bottom quartile).Information ratio: -0.64 (lower mid).Information ratio: 0.08 (top quartile).Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (lower mid).Information ratio: -0.74 (bottom quartile).Information ratio: -0.92 (bottom quartile).Information ratio: 0.00 (lower mid).Information ratio: -1.18 (bottom quartile).Information ratio: 0.00 (top quartile).Information ratio: 0.00 (top quartile).Information ratio: -2.17 (bottom quartile).Information ratio: -2.96 (bottom quartile).Information ratio: -5.96 (bottom quartile).Information ratio: 0.00 (top quartile).
Point 9Yield to maturity (debt): 5.82% (bottom quartile).Yield to maturity (debt): 5.90% (upper mid).Yield to maturity (debt): 5.88% (upper mid).Yield to maturity (debt): 5.83% (bottom quartile).Yield to maturity (debt): 5.82% (bottom quartile).Yield to maturity (debt): 5.83% (bottom quartile).Yield to maturity (debt): 5.94% (top quartile).Yield to maturity (debt): 5.87% (lower mid).Yield to maturity (debt): 5.84% (lower mid).Yield to maturity (debt): 5.93% (top quartile).Yield to maturity (debt): 6.00% (top quartile).Yield to maturity (debt): 5.87% (lower mid).Yield to maturity (debt): 5.93% (top quartile).Yield to maturity (debt): 5.94% (top quartile).Yield to maturity (debt): 5.89% (upper mid).Yield to maturity (debt): 5.87% (lower mid).Yield to maturity (debt): 5.88% (upper mid).Yield to maturity (debt): 5.87% (upper mid).Yield to maturity (debt): 5.88% (upper mid).Yield to maturity (debt): 5.84% (lower mid).Yield to maturity (debt): 5.86% (lower mid).Yield to maturity (debt): 5.83% (bottom quartile).Yield to maturity (debt): 5.81% (bottom quartile).Yield to maturity (debt): 6.66% (top quartile).Yield to maturity (debt): 3.50% (bottom quartile).
Point 10Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.11 yrs (lower mid).Modified duration: 0.09 yrs (top quartile).Modified duration: 0.06 yrs (top quartile).Modified duration: 0.09 yrs (top quartile).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.11 yrs (lower mid).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.09 yrs (top quartile).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.09 yrs (top quartile).Modified duration: 0.10 yrs (lower mid).Modified duration: 0.12 yrs (bottom quartile).Modified duration: 0.11 yrs (lower mid).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.10 yrs (lower mid).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.10 yrs (lower mid).Modified duration: 0.09 yrs (top quartile).

BOI AXA Liquid Fund

  • Bottom quartile AUM (₹1,824 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.92% (top quartile).
  • 1M return: 0.48% (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 (bottom quartile).

Axis Liquid Fund

  • Top quartile AUM (₹37,122 Cr).
  • Established history (15+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.91% (top quartile).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.41 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.90% (upper mid).
  • Modified duration: 0.11 yrs (lower mid).

Indiabulls Liquid Fund

  • Bottom quartile AUM (₹303 Cr).
  • Established history (13+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.90% (top quartile).
  • 1M return: 0.48% (upper mid).
  • Sharpe: 3.54 (upper mid).
  • Information ratio: -1.18 (bottom quartile).
  • Yield to maturity (debt): 5.88% (upper mid).
  • Modified duration: 0.09 yrs (top quartile).

PGIM India Insta Cash Fund

  • Bottom quartile AUM (₹527 Cr).
  • Established history (18+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.89% (top quartile).
  • 1M return: 0.48% (top quartile).
  • Sharpe: 3.57 (top quartile).
  • Information ratio: -0.64 (lower mid).
  • Yield to maturity (debt): 5.83% (bottom quartile).
  • Modified duration: 0.06 yrs (top quartile).

Canara Robeco Liquid

  • Lower mid AUM (₹8,310 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.88% (top quartile).
  • 1M return: 0.48% (top quartile).
  • Sharpe: 3.48 (upper mid).
  • Information ratio: 0.08 (top quartile).
  • Yield to maturity (debt): 5.82% (bottom quartile).
  • Modified duration: 0.09 yrs (top quartile).

Edelweiss Liquid Fund

  • Lower mid AUM (₹10,218 Cr).
  • Established history (18+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.88% (top quartile).
  • 1M return: 0.48% (top quartile).
  • Sharpe: 3.91 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.83% (bottom quartile).
  • Modified duration: 0.11 yrs (bottom quartile).

Tata Liquid Fund

  • Upper mid AUM (₹20,404 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.88% (upper mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.56 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.94% (top quartile).
  • Modified duration: 0.11 yrs (lower mid).

DSP Liquidity Fund

  • Upper mid AUM (₹19,926 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.87% (upper mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.56 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.87% (lower mid).
  • Modified duration: 0.10 yrs (upper mid).

Invesco India Liquid Fund

  • Upper mid AUM (₹14,543 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.87% (upper mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.79 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.84% (lower mid).
  • Modified duration: 0.11 yrs (bottom quartile).

UTI Liquid Cash Plan

  • Upper mid AUM (₹25,037 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.87% (upper mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.40 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.93% (top quartile).
  • Modified duration: 0.10 yrs (upper mid).

Aditya Birla Sun Life Liquid Fund

  • Top quartile AUM (₹49,721 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.86% (upper mid).
  • 1M return: 0.48% (top quartile).
  • Sharpe: 3.41 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.00% (top quartile).
  • Modified duration: 0.09 yrs (top quartile).

Mirae Asset Cash Management Fund

  • Upper mid AUM (₹13,791 Cr).
  • Established history (16+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.84% (upper mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.82 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.87% (lower mid).
  • Modified duration: 0.11 yrs (bottom quartile).

Mahindra Liquid Fund

  • Bottom quartile AUM (₹1,231 Cr).
  • Established history (9+ yrs).
  • Not Rated.
  • Risk profile: Low.
  • 1Y return: 6.84% (lower mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.61 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.93% (top quartile).
  • Modified duration: 0.10 yrs (upper mid).

Kotak Liquid Fund

  • Top quartile AUM (₹40,675 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.84% (lower mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.13 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.94% (top quartile).
  • Modified duration: 0.11 yrs (bottom quartile).

Nippon India Liquid Fund 

  • Upper mid AUM (₹30,965 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.84% (lower mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.30 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.89% (upper mid).
  • Modified duration: 0.11 yrs (bottom quartile).

ICICI Prudential Liquid Fund

  • Top quartile AUM (₹52,340 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.84% (lower mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.34 (lower mid).
  • Information ratio: -0.74 (bottom quartile).
  • Yield to maturity (debt): 5.87% (lower mid).
  • Modified duration: 0.09 yrs (top quartile).

HDFC Liquid Fund

  • Top quartile AUM (₹61,399 Cr).
  • Established history (24+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.83% (lower mid).
  • 1M return: 0.47% (bottom quartile).
  • Sharpe: 3.05 (bottom quartile).
  • Information ratio: -0.92 (bottom quartile).
  • Yield to maturity (debt): 5.88% (upper mid).
  • Modified duration: 0.10 yrs (lower mid).

LIC MF Liquid Fund

  • Lower mid AUM (₹13,162 Cr).
  • Established history (23+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.78% (lower mid).
  • 1M return: 0.47% (bottom quartile).
  • Sharpe: 3.26 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.87% (upper mid).
  • Modified duration: 0.12 yrs (bottom quartile).

Baroda Pioneer Liquid Fund

  • Lower mid AUM (₹10,150 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.77% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.07 (bottom quartile).
  • Information ratio: -1.18 (bottom quartile).
  • Yield to maturity (debt): 5.88% (upper mid).
  • Modified duration: 0.11 yrs (lower mid).

Bandhan Cash Fund

  • Lower mid AUM (₹13,632 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.77% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.18 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.84% (lower mid).
  • Modified duration: 0.10 yrs (upper mid).

SBI Liquid Fund

  • Highest AUM (₹63,824 Cr).
  • Established history (18+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.76% (bottom quartile).
  • 1M return: 0.47% (bottom quartile).
  • Sharpe: 2.79 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.86% (lower mid).
  • Modified duration: 0.10 yrs (upper mid).

JM Liquid Fund

  • Bottom quartile AUM (₹2,695 Cr).
  • Oldest track record among peers (27 yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.76% (bottom quartile).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 2.95 (bottom quartile).
  • Information ratio: -2.17 (bottom quartile).
  • Yield to maturity (debt): 5.83% (bottom quartile).
  • Modified duration: 0.10 yrs (lower mid).

IIFL Liquid Fund

  • Bottom quartile AUM (₹910 Cr).
  • Established history (11+ yrs).
  • Not Rated.
  • Risk profile: Low.
  • 1Y return: 6.66% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 2.72 (bottom quartile).
  • Information ratio: -2.96 (bottom quartile).
  • Yield to maturity (debt): 5.81% (bottom quartile).
  • Modified duration: 0.10 yrs (upper mid).

IDBI Liquid Fund

  • Bottom quartile AUM (₹503 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.55% (bottom quartile).
  • 1M return: 0.53% (top quartile).
  • Sharpe: 0.20 (bottom quartile).
  • Information ratio: -5.96 (bottom quartile).
  • Yield to maturity (debt): 6.66% (top quartile).
  • Modified duration: 0.10 yrs (lower mid).

Sundaram Money Fund

  • Lower mid AUM (₹3,144 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 3.29% (bottom quartile).
  • 1M return: 0.29% (bottom quartile).
  • Sharpe: -3.87 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 3.50% (bottom quartile).
  • Modified duration: 0.09 yrs (top quartile).

व्यक्तियों और कॉरपोरेट्स के बीच एसेट ब्रेक-अप यह देखने के लिए कुछ महत्वपूर्ण है कि क्या लिक्विड म्यूचुअल फंड कर सकते हैंहैंडल बड़े मोचन। बड़े रिडेम्पशन (कभी-कभी 100 या 1000 करोड़ भी कॉरपोरेट द्वारा किए जा सकते हैं) पोर्टफोलियो पर दबाव डाल सकते हैं। नकदी संकट के समय इतनी बड़ी मात्रा में खरीदार मिलना मुश्किल होगा।

वास्तव में, यह सुनिश्चित करने के लिए कि पोर्टफोलियो कीमत पर प्रभाव नहीं डालता है, लिक्विड फंड मार्क से मार्केट में प्रोद्भवन-आधारित हो गए हैं।लेखांकन 2008 में लेहमैन संकट के बाद।

साथ ही, फंड का आकार यहां निवेशकों की सुरक्षा करता हैमोचन तब से दबावसेबी एक नियम है कि किसी योजना में उच्चतम व्यक्तिगत होल्डिंग 20% से अधिक नहीं हो सकती है। इसलिए, अधिकांश योजनाओं को एक हद तक संरक्षित किया जाएगा।

शीर्ष 5 लिक्विड फंड

2022 के लिए सर्वश्रेष्ठ प्रदर्शन करने वाले लिक्विड फंड हैं-

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
BOI AXA Liquid Fund Growth ₹3,045.09
↑ 0.47
₹1,8240.51.43.36.97.45.82%1M 10D1M 10D
Axis Liquid Fund Growth ₹2,943.97
↑ 0.45
₹37,1220.51.43.36.97.45.9%1M 9D1M 11D
Indiabulls Liquid Fund Growth ₹2,557.04
↑ 0.42
₹3030.51.43.36.97.45.88%1M 3D1M 3D
PGIM India Insta Cash Fund Growth ₹344.205
↑ 0.06
₹5270.51.43.36.97.35.83%20D22D
Canara Robeco Liquid Growth ₹3,183.42
↑ 0.49
₹8,3100.51.43.36.97.45.82%1M 1D1M 3D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryBOI AXA Liquid FundAxis Liquid FundIndiabulls Liquid Fund PGIM India Insta Cash FundCanara Robeco Liquid
Point 1Lower mid AUM (₹1,824 Cr).Highest AUM (₹37,122 Cr).Bottom quartile AUM (₹303 Cr).Bottom quartile AUM (₹527 Cr).Upper mid AUM (₹8,310 Cr).
Point 2Established history (17+ yrs).Established history (15+ yrs).Established history (13+ yrs).Oldest track record among peers (18 yrs).Established history (17+ yrs).
Point 3Rating: 3★ (bottom quartile).Rating: 4★ (lower mid).Top rated.Rating: 5★ (upper mid).Rating: 3★ (bottom quartile).
Point 4Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.
Point 51Y return: 6.92% (top quartile).1Y return: 6.91% (upper mid).1Y return: 6.90% (lower mid).1Y return: 6.89% (bottom quartile).1Y return: 6.88% (bottom quartile).
Point 61M return: 0.48% (upper mid).1M return: 0.47% (bottom quartile).1M return: 0.48% (bottom quartile).1M return: 0.48% (top quartile).1M return: 0.48% (lower mid).
Point 7Sharpe: 4.59 (top quartile).Sharpe: 3.41 (bottom quartile).Sharpe: 3.54 (lower mid).Sharpe: 3.57 (upper mid).Sharpe: 3.48 (bottom quartile).
Point 8Information ratio: 0.74 (top quartile).Information ratio: 0.00 (lower mid).Information ratio: -1.18 (bottom quartile).Information ratio: -0.64 (bottom quartile).Information ratio: 0.08 (upper mid).
Point 9Yield to maturity (debt): 5.82% (bottom quartile).Yield to maturity (debt): 5.90% (top quartile).Yield to maturity (debt): 5.88% (upper mid).Yield to maturity (debt): 5.83% (lower mid).Yield to maturity (debt): 5.82% (bottom quartile).
Point 10Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.09 yrs (lower mid).Modified duration: 0.06 yrs (top quartile).Modified duration: 0.09 yrs (upper mid).

BOI AXA Liquid Fund

  • Lower mid AUM (₹1,824 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.92% (top quartile).
  • 1M return: 0.48% (upper mid).
  • Sharpe: 4.59 (top quartile).
  • Information ratio: 0.74 (top quartile).
  • Yield to maturity (debt): 5.82% (bottom quartile).
  • Modified duration: 0.11 yrs (bottom quartile).

Axis Liquid Fund

  • Highest AUM (₹37,122 Cr).
  • Established history (15+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.91% (upper mid).
  • 1M return: 0.47% (bottom quartile).
  • Sharpe: 3.41 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.90% (top quartile).
  • Modified duration: 0.11 yrs (bottom quartile).

Indiabulls Liquid Fund

  • Bottom quartile AUM (₹303 Cr).
  • Established history (13+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.90% (lower mid).
  • 1M return: 0.48% (bottom quartile).
  • Sharpe: 3.54 (lower mid).
  • Information ratio: -1.18 (bottom quartile).
  • Yield to maturity (debt): 5.88% (upper mid).
  • Modified duration: 0.09 yrs (lower mid).

PGIM India Insta Cash Fund

  • Bottom quartile AUM (₹527 Cr).
  • Oldest track record among peers (18 yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.89% (bottom quartile).
  • 1M return: 0.48% (top quartile).
  • Sharpe: 3.57 (upper mid).
  • Information ratio: -0.64 (bottom quartile).
  • Yield to maturity (debt): 5.83% (lower mid).
  • Modified duration: 0.06 yrs (top quartile).

Canara Robeco Liquid

  • Upper mid AUM (₹8,310 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.88% (bottom quartile).
  • 1M return: 0.48% (lower mid).
  • Sharpe: 3.48 (bottom quartile).
  • Information ratio: 0.08 (upper mid).
  • Yield to maturity (debt): 5.82% (bottom quartile).
  • Modified duration: 0.09 yrs (upper mid).

4. लिक्विड म्यूचुअल फंड की प्रदर्शन रेटिंग

प्रदर्शन रेटिंग जब तक वर्तमान पोर्टफोलियो और भविष्य के दृष्टिकोण को ध्यान में रखते हुए कल के विजेताओं को हारने वालों से अलग करने में सक्षम नहीं होंगे। इसलिए, जबकि पिछड़ी दिखने वाली रेटिंग पिछले प्रदर्शन के बारे में एक विचार दे सकती है, कोई भी फंड का चयन रद्द करने के लिए एक उपाय के रूप में इनका उपयोग कर सकता है।

निष्कर्ष

लिक्विड म्यूचुअल फंड की तलाश करते समय कई कारकों को देखने की जरूरत है और फिर संबंधित फंड का चयन करें।

अस्वीकरण: कृपया कोई भी निवेश निर्णय लेने से पहले अपने सलाहकार से परामर्श लें और स्वतंत्र शोध करें।

Disclaimer:
यहां प्रदान की गई जानकारी सटीक है, यह सुनिश्चित करने के लिए सभी प्रयास किए गए हैं। हालांकि, डेटा की शुद्धता के संबंध में कोई गारंटी नहीं दी जाती है। कृपया कोई भी निवेश करने से पहले योजना सूचना दस्तावेज के साथ सत्यापित करें।
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