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ലിക്വിഡ് മ്യൂച്വൽ ഫണ്ടുകൾ: എങ്ങനെ തിരഞ്ഞെടുക്കാം?

Updated on August 20, 2025 , 2865 views

ദ്രാവകമ്യൂച്വൽ ഫണ്ടുകൾ പ്രധാനമായും ആകുന്നുപണ വിപണി (കടം) ചെറിയ തുകയിൽ നിക്ഷേപിക്കുന്ന ഫണ്ടുകൾവിപണി ട്രഷറി ബില്ലുകൾ, ടേം ഡെപ്പോസിറ്റുകൾ, നിക്ഷേപങ്ങളുടെ സർട്ടിഫിക്കറ്റ്, വാണിജ്യ പേപ്പറുകൾ തുടങ്ങിയവ ഉൾപ്പെടെയുള്ള ഉപകരണങ്ങൾ. സാധാരണയായി, ലിക്വിഡ് മ്യൂച്വൽ ഫണ്ടുകൾ നിങ്ങളുടെ പണം ചെറിയ കാലയളവിലേക്ക് നിക്ഷേപിക്കാനുള്ള ഓപ്ഷനുകളാണ്. ഇതിന്റെ ഭാഗമായ സെക്യൂരിറ്റികൾലിക്വിഡ് ഫണ്ടുകൾ 91 ദിവസത്തിൽ താഴെ മാത്രമേ മെച്യൂരിറ്റി ഉള്ളൂ. ലിക്വിഡ് ഫണ്ടുകൾക്ക് ലോക്ക്-ഇൻ കാലയളവ് ഇല്ല, അതിനാൽ നിക്ഷേപിച്ച ആസ്തികൾ ദീർഘകാലത്തേക്ക് ബന്ധിതമല്ല, അങ്ങനെ നിങ്ങളുടെ പണം ലഭ്യമാകും. ധനവിപണിയിലെ ഫണ്ട് പ്രകടനത്തെ ആശ്രയിച്ചിരിക്കുന്നതിനാൽ ലിക്വിഡ് ഫണ്ട് റിട്ടേണുകൾ അസ്ഥിരമാണ്. തിരഞ്ഞെടുക്കുന്നത്മികച്ച ലിക്വിഡ് ഫണ്ട് ഒരു ബുദ്ധിമുട്ടുള്ള കാര്യമാണ്, എന്നിരുന്നാലും, അവയെ വിലയിരുത്തുന്നതിന് ചില പാരാമീറ്ററുകൾ ഉപയോഗിക്കാം.

ലിക്വിഡ് മ്യൂച്വൽ ഫണ്ടുകൾ തിരഞ്ഞെടുക്കാൻ ഉപയോഗിക്കാവുന്ന അടിസ്ഥാന പാരാമീറ്ററുകൾ ഇനിപ്പറയുന്നവയാണ്:

  • റിട്ടേണുകൾ അല്ലെങ്കിൽ കഴിഞ്ഞ ട്രാക്ക് റെക്കോർഡ്
  • പോർട്ട്ഫോളിയോ & മെച്യൂരിറ്റി പ്രൊഫൈൽ
  • ദ്രവ്യത & ഫണ്ടിന്റെ വലിപ്പം
  • ഒരു റേറ്റിംഗ് ഏജൻസിയുടെ പ്രകടന റേറ്റിംഗ്

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1. ലിക്വിഡ് ഫണ്ട് റിട്ടേണുകൾ

വിവിധ ലിക്വിഡ് ഫണ്ടുകളിലെ വരുമാനം നോക്കുമ്പോൾ:

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
BOI AXA Liquid Fund Growth ₹3,032.07
↑ 0.46
₹2,0020.51.53.377.45.64%1M 17D1M 17D
Axis Liquid Fund Growth ₹2,931.49
↑ 0.42
₹36,7570.51.53.377.45.85%1M 12D1M 15D
Indiabulls Liquid Fund Growth ₹2,546.08
↑ 0.39
₹3930.51.53.377.45.77%1M 10D1M 11D
DSP Liquidity Fund Growth ₹3,758.68
↑ 0.56
₹22,2450.51.53.377.45.83%1M 13D1M 17D
Invesco India Liquid Fund Growth ₹3,618.61
↑ 0.54
₹14,2400.51.53.377.45.78%1M 9D1M 9D
PGIM India Insta Cash Fund Growth ₹342.728
↑ 0.05
₹5130.51.53.377.35.81%1M 15D1M 17D
Canara Robeco Liquid Growth ₹3,169.77
↑ 0.48
₹6,5770.51.53.377.45.76%1M 5D1M 7D
Tata Liquid Fund Growth ₹4,146.48
↑ 0.60
₹22,9510.51.53.377.35.88%1M 15D1M 15D
Edelweiss Liquid Fund Growth ₹3,366.73
↑ 0.51
₹8,3230.51.53.377.35.76%1M 16D1M 16D
UTI Liquid Cash Plan Growth ₹4,318.96
↑ 0.64
₹29,0130.51.53.377.35.86%1M 13D1M 13D
Aditya Birla Sun Life Liquid Fund Growth ₹424.21
↑ 0.06
₹51,9130.51.53.377.35.89%1M 13D1M 13D
Mahindra Liquid Fund Growth ₹1,713.41
↑ 0.26
₹1,0110.51.53.377.45.94%1M 10D1M 14D
Mirae Asset Cash Management Fund Growth ₹2,760.67
↑ 0.42
₹13,6340.51.53.36.97.35.77%1M 6D1M 7D
Kotak Liquid Fund Growth ₹5,321.34
↑ 0.80
₹38,1760.51.53.36.97.35.93%1M 13D1M 13D
Nippon India Liquid Fund  Growth ₹6,425.01
↑ 0.96
₹35,3880.51.53.36.97.35.89%1M 10D1M 13D
ICICI Prudential Liquid Fund Growth ₹389.719
↑ 0.06
₹51,5930.51.53.36.97.45.86%1M 4D1M 7D
HDFC Liquid Fund Growth ₹5,165.28
↑ 0.74
₹67,3540.51.53.36.97.35.83%1M 14D1M 18D
LIC MF Liquid Fund Growth ₹4,758.77
↑ 0.67
₹11,1990.51.53.26.97.45.85%1M 12D1M 12D
Bandhan Cash Fund Growth ₹3,179.63
↑ 0.47
₹14,3910.51.53.26.97.35.75%1M 3D1M 3D
Baroda Pioneer Liquid Fund Growth ₹3,026.48
↑ 0.43
₹11,8360.51.53.26.97.35.84%1M 9D1M 9D
SBI Liquid Fund Growth ₹4,114.73
↑ 0.60
₹68,4430.51.53.36.97.35.8%1M 6D1M 10D
JM Liquid Fund Growth ₹71.825
↑ 0.01
₹3,2250.51.53.36.97.25.77%1M 5D1M 7D
IIFL Liquid Fund Growth ₹2,026.44
↑ 0.30
₹9760.51.43.26.87.25.76%1M 20D
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 22 Aug 25

Research Highlights & Commentary of 25 Funds showcased

CommentaryBOI AXA Liquid FundAxis Liquid FundIndiabulls Liquid FundDSP Liquidity FundInvesco India Liquid Fund PGIM India Insta Cash FundCanara Robeco LiquidTata Liquid FundEdelweiss Liquid FundUTI Liquid Cash PlanAditya Birla Sun Life Liquid FundMahindra Liquid FundMirae Asset Cash Management FundKotak Liquid FundNippon India Liquid Fund ICICI Prudential Liquid FundHDFC Liquid Fund LIC MF Liquid FundBandhan Cash FundBaroda Pioneer Liquid FundSBI Liquid FundJM Liquid FundIIFL Liquid FundIDBI Liquid FundSundaram Money Fund
Point 1Bottom quartile AUM (₹2,002 Cr).Top quartile AUM (₹36,757 Cr).Bottom quartile AUM (₹393 Cr).Upper mid AUM (₹22,245 Cr).Upper mid AUM (₹14,240 Cr).Bottom quartile AUM (₹513 Cr).Lower mid AUM (₹6,577 Cr).Upper mid AUM (₹22,951 Cr).Lower mid AUM (₹8,323 Cr).Upper mid AUM (₹29,013 Cr).Top quartile AUM (₹51,913 Cr).Bottom quartile AUM (₹1,011 Cr).Lower mid AUM (₹13,634 Cr).Top quartile AUM (₹38,176 Cr).Upper mid AUM (₹35,388 Cr).Top quartile AUM (₹51,593 Cr).Top quartile AUM (₹67,354 Cr).Lower mid AUM (₹11,199 Cr).Upper mid AUM (₹14,391 Cr).Lower mid AUM (₹11,836 Cr).Highest AUM (₹68,443 Cr).Lower mid AUM (₹3,225 Cr).Bottom quartile AUM (₹976 Cr).Bottom quartile AUM (₹503 Cr).Bottom quartile AUM (₹3,144 Cr).
Point 2Established history (17+ yrs).Established history (15+ yrs).Established history (13+ yrs).Established history (19+ yrs).Established history (18+ yrs).Established history (17+ yrs).Established history (17+ yrs).Established history (20+ yrs).Established history (17+ yrs).Established history (21+ yrs).Established history (21+ yrs).Established history (9+ yrs).Established history (16+ yrs).Established history (21+ yrs).Established history (21+ yrs).Established history (19+ yrs).Established history (24+ yrs).Established history (23+ yrs).Established history (17+ yrs).Established history (16+ 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).Rating: 3★ (bottom quartile).Rating: 4★ (top quartile).Top rated.Rating: 3★ (upper mid).Rating: 4★ (top quartile).Rating: 2★ (bottom quartile).Rating: 3★ (lower mid).Rating: 4★ (top quartile).Not Rated.Rating: 2★ (bottom quartile).Rating: 3★ (lower mid).Rating: 4★ (upper mid).Rating: 4★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).Rating: 4★ (upper mid).Rating: 3★ (bottom quartile).Rating: 5★ (top quartile).Not Rated.Rating: 3★ (lower mid).Rating: 3★ (lower 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: 7.03% (top quartile).1Y return: 7.01% (top quartile).1Y return: 7.00% (top quartile).1Y return: 6.99% (top quartile).1Y return: 6.98% (top quartile).1Y return: 6.98% (top quartile).1Y return: 6.98% (upper mid).1Y return: 6.97% (upper mid).1Y return: 6.97% (upper mid).1Y return: 6.97% (upper mid).1Y return: 6.96% (upper mid).1Y return: 6.95% (upper mid).1Y return: 6.95% (lower mid).1Y return: 6.94% (lower mid).1Y return: 6.94% (lower mid).1Y return: 6.94% (lower mid).1Y return: 6.94% (lower mid).1Y return: 6.89% (lower mid).1Y return: 6.88% (bottom quartile).1Y return: 6.88% (bottom quartile).1Y return: 6.87% (bottom quartile).1Y return: 6.86% (bottom quartile).1Y return: 6.77% (bottom quartile).1Y return: 6.55% (bottom quartile).1Y return: 3.29% (bottom quartile).
Point 61M return: 0.47% (top quartile).1M return: 0.47% (top quartile).1M return: 0.46% (upper mid).1M return: 0.47% (upper mid).1M return: 0.47% (upper mid).1M return: 0.46% (lower mid).1M return: 0.47% (upper mid).1M return: 0.46% (lower mid).1M return: 0.47% (top quartile).1M return: 0.46% (upper mid).1M return: 0.46% (lower mid).1M return: 0.47% (top quartile).1M return: 0.47% (top quartile).1M return: 0.47% (upper mid).1M return: 0.46% (bottom quartile).1M return: 0.46% (lower mid).1M return: 0.46% (lower mid).1M return: 0.46% (lower mid).1M return: 0.46% (bottom quartile).1M return: 0.46% (bottom quartile).1M return: 0.46% (bottom quartile).1M return: 0.46% (bottom quartile).1M return: 0.45% (bottom quartile).1M return: 0.53% (top quartile).1M return: 0.29% (bottom quartile).
Point 7Sharpe: 4.36 (top quartile).Sharpe: 3.64 (top quartile).Sharpe: 3.05 (lower mid).Sharpe: 4.00 (top quartile).Sharpe: 3.63 (top quartile).Sharpe: 3.30 (upper mid).Sharpe: 3.31 (upper mid).Sharpe: 3.33 (upper mid).Sharpe: 3.64 (top quartile).Sharpe: 3.22 (upper mid).Sharpe: 3.23 (upper mid).Sharpe: 3.93 (top quartile).Sharpe: 3.62 (upper mid).Sharpe: 2.93 (bottom quartile).Sharpe: 3.10 (lower mid).Sharpe: 3.19 (lower mid).Sharpe: 2.94 (lower mid).Sharpe: 3.14 (lower mid).Sharpe: 3.01 (lower mid).Sharpe: 2.93 (bottom quartile).Sharpe: 2.63 (bottom quartile).Sharpe: 2.80 (bottom quartile).Sharpe: 2.19 (bottom quartile).Sharpe: 0.20 (bottom quartile).Sharpe: -3.87 (bottom quartile).
Point 8Information ratio: 0.52 (top quartile).Information ratio: 0.00 (lower mid).Information ratio: -1.37 (bottom quartile).Information ratio: 0.00 (top quartile).Information ratio: 0.00 (top quartile).Information ratio: -0.82 (lower mid).Information ratio: -0.08 (lower 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: -0.86 (bottom quartile).Information ratio: -1.03 (bottom quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (top quartile).Information ratio: -1.27 (bottom quartile).Information ratio: 0.00 (top quartile).Information ratio: -2.27 (bottom quartile).Information ratio: -3.05 (bottom quartile).Information ratio: -5.96 (bottom quartile).Information ratio: 0.00 (top quartile).
Point 9Yield to maturity (debt): 5.64% (bottom quartile).Yield to maturity (debt): 5.85% (upper mid).Yield to maturity (debt): 5.77% (lower mid).Yield to maturity (debt): 5.83% (upper mid).Yield to maturity (debt): 5.78% (lower mid).Yield to maturity (debt): 5.81% (lower mid).Yield to maturity (debt): 5.76% (bottom quartile).Yield to maturity (debt): 5.88% (top quartile).Yield to maturity (debt): 5.76% (bottom quartile).Yield to maturity (debt): 5.86% (upper mid).Yield to maturity (debt): 5.89% (top quartile).Yield to maturity (debt): 5.94% (top quartile).Yield to maturity (debt): 5.77% (bottom quartile).Yield to maturity (debt): 5.93% (top quartile).Yield to maturity (debt): 5.89% (top quartile).Yield to maturity (debt): 5.86% (upper mid).Yield to maturity (debt): 5.83% (lower mid).Yield to maturity (debt): 5.85% (upper mid).Yield to maturity (debt): 5.75% (bottom quartile).Yield to maturity (debt): 5.84% (upper mid).Yield to maturity (debt): 5.80% (lower mid).Yield to maturity (debt): 5.77% (lower mid).Yield to maturity (debt): 5.76% (bottom quartile).Yield to maturity (debt): 6.66% (top quartile).Yield to maturity (debt): 3.50% (bottom quartile).
Point 10Modified duration: 0.13 yrs (bottom quartile).Modified duration: 0.12 yrs (lower mid).Modified duration: 0.11 yrs (lower mid).Modified duration: 0.12 yrs (bottom quartile).Modified duration: 0.11 yrs (upper mid).Modified duration: 0.13 yrs (bottom quartile).Modified duration: 0.10 yrs (top quartile).Modified duration: 0.13 yrs (bottom quartile).Modified duration: 0.13 yrs (bottom quartile).Modified duration: 0.12 yrs (bottom quartile).Modified duration: 0.12 yrs (lower mid).Modified duration: 0.11 yrs (upper mid).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.12 yrs (lower mid).Modified duration: 0.11 yrs (lower mid).Modified duration: 0.10 yrs (top quartile).Modified duration: 0.12 yrs (bottom quartile).Modified duration: 0.12 yrs (lower mid).Modified duration: 0.09 yrs (top quartile).Modified duration: 0.11 yrs (upper mid).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.10 yrs (top quartile).Modified duration: 0.00 yrs (top quartile).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.09 yrs (top quartile).

BOI AXA Liquid Fund

  • Bottom quartile AUM (₹2,002 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.03% (top quartile).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 4.36 (top quartile).
  • Information ratio: 0.52 (top quartile).
  • Yield to maturity (debt): 5.64% (bottom quartile).
  • Modified duration: 0.13 yrs (bottom quartile).

Axis Liquid Fund

  • Top quartile AUM (₹36,757 Cr).
  • Established history (15+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.01% (top quartile).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 3.64 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.85% (upper mid).
  • Modified duration: 0.12 yrs (lower mid).

Indiabulls Liquid Fund

  • Bottom quartile AUM (₹393 Cr).
  • Established history (13+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 7.00% (top quartile).
  • 1M return: 0.46% (upper mid).
  • Sharpe: 3.05 (lower mid).
  • Information ratio: -1.37 (bottom quartile).
  • Yield to maturity (debt): 5.77% (lower mid).
  • Modified duration: 0.11 yrs (lower mid).

DSP Liquidity Fund

  • Upper mid AUM (₹22,245 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.99% (top quartile).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 4.00 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.83% (upper mid).
  • Modified duration: 0.12 yrs (bottom quartile).

Invesco India Liquid Fund

  • Upper mid AUM (₹14,240 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.98% (top quartile).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.63 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.78% (lower mid).
  • Modified duration: 0.11 yrs (upper mid).

PGIM India Insta Cash Fund

  • Bottom quartile AUM (₹513 Cr).
  • Established history (17+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.98% (top quartile).
  • 1M return: 0.46% (lower mid).
  • Sharpe: 3.30 (upper mid).
  • Information ratio: -0.82 (lower mid).
  • Yield to maturity (debt): 5.81% (lower mid).
  • Modified duration: 0.13 yrs (bottom quartile).

Canara Robeco Liquid

  • Lower mid AUM (₹6,577 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.98% (upper mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.31 (upper mid).
  • Information ratio: -0.08 (lower mid).
  • Yield to maturity (debt): 5.76% (bottom quartile).
  • Modified duration: 0.10 yrs (top quartile).

Tata Liquid Fund

  • Upper mid AUM (₹22,951 Cr).
  • Established history (20+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.97% (upper mid).
  • 1M return: 0.46% (lower mid).
  • Sharpe: 3.33 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.88% (top quartile).
  • Modified duration: 0.13 yrs (bottom quartile).

Edelweiss Liquid Fund

  • Lower mid AUM (₹8,323 Cr).
  • Established history (17+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.97% (upper mid).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 3.64 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.76% (bottom quartile).
  • Modified duration: 0.13 yrs (bottom quartile).

UTI Liquid Cash Plan

  • Upper mid AUM (₹29,013 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.97% (upper mid).
  • 1M return: 0.46% (upper mid).
  • Sharpe: 3.22 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.86% (upper mid).
  • Modified duration: 0.12 yrs (bottom quartile).

Aditya Birla Sun Life Liquid Fund

  • Top quartile AUM (₹51,913 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.96% (upper mid).
  • 1M return: 0.46% (lower mid).
  • Sharpe: 3.23 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.89% (top quartile).
  • Modified duration: 0.12 yrs (lower mid).

Mahindra Liquid Fund

  • Bottom quartile AUM (₹1,011 Cr).
  • Established history (9+ yrs).
  • Not Rated.
  • Risk profile: Low.
  • 1Y return: 6.95% (upper mid).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 3.93 (top quartile).
  • 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 (₹13,634 Cr).
  • Established history (16+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.95% (lower mid).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 3.62 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.77% (bottom quartile).
  • Modified duration: 0.10 yrs (upper mid).

Kotak Liquid Fund

  • Top quartile AUM (₹38,176 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.94% (lower mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 2.93 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.93% (top quartile).
  • Modified duration: 0.12 yrs (lower mid).

Nippon India Liquid Fund 

  • Upper mid AUM (₹35,388 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.94% (lower mid).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.10 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.89% (top quartile).
  • Modified duration: 0.11 yrs (lower mid).

ICICI Prudential Liquid Fund

  • Top quartile AUM (₹51,593 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.94% (lower mid).
  • 1M return: 0.46% (lower mid).
  • Sharpe: 3.19 (lower mid).
  • Information ratio: -0.86 (bottom quartile).
  • Yield to maturity (debt): 5.86% (upper mid).
  • Modified duration: 0.10 yrs (top quartile).

HDFC Liquid Fund

  • Top quartile AUM (₹67,354 Cr).
  • Established history (24+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.94% (lower mid).
  • 1M return: 0.46% (lower mid).
  • Sharpe: 2.94 (lower mid).
  • Information ratio: -1.03 (bottom quartile).
  • Yield to maturity (debt): 5.83% (lower mid).
  • Modified duration: 0.12 yrs (bottom quartile).

LIC MF Liquid Fund

  • Lower mid AUM (₹11,199 Cr).
  • Established history (23+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.89% (lower mid).
  • 1M return: 0.46% (lower mid).
  • Sharpe: 3.14 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.85% (upper mid).
  • Modified duration: 0.12 yrs (lower mid).

Bandhan Cash Fund

  • Upper mid AUM (₹14,391 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.88% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.01 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.75% (bottom quartile).
  • Modified duration: 0.09 yrs (top quartile).

Baroda Pioneer Liquid Fund

  • Lower mid AUM (₹11,836 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.88% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 2.93 (bottom quartile).
  • Information ratio: -1.27 (bottom quartile).
  • Yield to maturity (debt): 5.84% (upper mid).
  • Modified duration: 0.11 yrs (upper mid).

SBI Liquid Fund

  • Highest AUM (₹68,443 Cr).
  • Established history (18+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.87% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 2.63 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.80% (lower mid).
  • Modified duration: 0.10 yrs (upper mid).

JM Liquid Fund

  • Lower mid AUM (₹3,225 Cr).
  • Oldest track record among peers (27 yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.86% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 2.80 (bottom quartile).
  • Information ratio: -2.27 (bottom quartile).
  • Yield to maturity (debt): 5.77% (lower mid).
  • Modified duration: 0.10 yrs (top quartile).

IIFL Liquid Fund

  • Bottom quartile AUM (₹976 Cr).
  • Established history (11+ yrs).
  • Not Rated.
  • Risk profile: Low.
  • 1Y return: 6.77% (bottom quartile).
  • 1M return: 0.45% (bottom quartile).
  • Sharpe: 2.19 (bottom quartile).
  • Information ratio: -3.05 (bottom quartile).
  • Yield to maturity (debt): 5.76% (bottom quartile).
  • Modified duration: 0.00 yrs (top quartile).

IDBI Liquid Fund

  • Bottom quartile AUM (₹503 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (lower mid).
  • 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 (upper mid).

Sundaram Money Fund

  • Bottom quartile AUM (₹3,144 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (lower 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% ഫണ്ടുകൾക്കും 7.25% മുതൽ 7.75% വരെ വരുമാനമുണ്ട്. അതിനാൽ ലിക്വിഡ് ഫണ്ട് റിട്ടേണുകൾ വളരെ അടുത്താണ്പരിധി ഒരാൾ "മികച്ച ലിക്വിഡ് ഫണ്ട്" തിരഞ്ഞെടുക്കുന്നില്ലെങ്കിൽപ്പോലും, അവ ഉയർന്നതോ ശരാശരിയോ ആയ വരുമാനത്തിൽ നിന്ന് വളരെ അകലെയല്ല.

2. ലിക്വിഡ് മ്യൂച്വൽ ഫണ്ടുകളുടെ പോർട്ട്ഫോളിയോ & മെച്യൂരിറ്റി പ്രൊഫൈൽ

ലിക്വിഡ് മ്യൂച്വൽ ഫണ്ടുകളുടെ പോർട്ട്‌ഫോളിയോയിൽ 91 ദിവസത്തിൽ താഴെ കാലാവധിയുള്ള സെക്യൂരിറ്റികൾ അടങ്ങിയിരിക്കുന്നു. ഒരാൾക്ക് പോയി ക്രെഡിറ്റ് ഗുണനിലവാരത്തെക്കുറിച്ച് സംസാരിക്കാൻ കഴിയും (ലളിതമായ വാക്കുകളിൽ, പോർട്ട്ഫോളിയോയിലെ സെക്യൂരിറ്റികൾ എത്ര മികച്ചതാണ്) പോർട്ട്ഫോളിയോകളെ വേർതിരിച്ചറിയാൻ ശ്രമിക്കാം, എന്നിരുന്നാലും, യഥാർത്ഥ അനുഭവം, പോർട്ട്ഫോളിയോയിൽ ചില മോശം ഗുണമേന്മകൾ വഹിക്കുന്നതിൽ യഥാർത്ഥ പ്രശ്നങ്ങൾ ഇല്ലെങ്കിൽ. സെക്യൂരിറ്റികൾ, ലിക്വിഡ് ഫണ്ടുകൾ ഒരു പ്രശ്നമാകരുത്. ഇന്നുവരെ, ഒരു അറിവും ഉണ്ടായിട്ടില്ലസ്ഥിരസ്ഥിതി ലിക്വിഡ് ഫണ്ട് പോർട്ട്‌ഫോളിയോകളിലും കമ്പനികളും സാധാരണയായി ഹ്രസ്വ മെച്യൂരിറ്റി പേപ്പറുകളിൽ ഡിഫോൾട്ട് ചെയ്യാറില്ല. എന്നിരുന്നാലും, മുകളിൽ പറഞ്ഞിരിക്കുന്ന ഫണ്ടിന്റെ പോർട്ട്‌ഫോളിയോ, ഫണ്ടിന്റെ വരുമാനത്തെക്കുറിച്ചും അതിന്റെ തുടർന്നുള്ള പ്രകടനത്തെക്കുറിച്ചും ആശയങ്ങൾ നൽകും. "മുൻകാല പ്രകടനം ഭാവിയിലെ പ്രകടനത്തിന്റെ സൂചകമല്ല" എന്ന് പലപ്പോഴും പറയാറുണ്ട്, ലിക്വിഡ് മ്യൂച്വൽ ഫണ്ടുകൾക്ക്, ചില പ്രൊജക്ഷനുകൾ ചെയ്യാൻ ശ്രമിക്കുകയാണെങ്കിൽ, അവർ ചെയ്യേണ്ടത് പോർട്ട്ഫോളിയോ നോക്കുക എന്നതാണ്. സെക്യൂരിറ്റികളുടെ തരം (കൊമേഴ്സ്യൽ പേപ്പറുകൾ (സിപികൾ), ഡിപ്പോസിറ്റുകളുടെ സർട്ടിഫിക്കറ്റ് (സിഡികൾ) മുതലായവ), ക്രെഡിറ്റ് ഗുണനിലവാരം, വരുമാനം എന്നിവ ഫണ്ടിന്റെ റിട്ടേൺ പ്രൊഫൈൽ എന്തായിരിക്കുമെന്നതിനെക്കുറിച്ചുള്ള ഒരു ആശയം നൽകുന്നു. ലിക്വിഡ് ഫണ്ടിന്റെ പ്രകടനത്തിന്റെ നല്ല സൂചകമാണ് പോർട്ട്ഫോളിയോ നിലവാരം. എല്ലാ ലിക്വിഡ് മ്യൂച്വൽ ഫണ്ടുകളുടെയും കാലാവധി സാധാരണയായി രണ്ട് ദിവസങ്ങളും 91 ദിവസത്തിൽ താഴെയുമാണ്. മിക്ക കേസുകളിലും ഇത് സമാനമാണ്.

3. ഫണ്ടിന്റെ ദ്രവ്യതയും വലുപ്പവും

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
BOI AXA Liquid Fund Growth ₹3,032.07
↑ 0.46
₹2,0020.51.53.377.45.64%1M 17D1M 17D
Axis Liquid Fund Growth ₹2,931.49
↑ 0.42
₹36,7570.51.53.377.45.85%1M 12D1M 15D
Indiabulls Liquid Fund Growth ₹2,546.08
↑ 0.39
₹3930.51.53.377.45.77%1M 10D1M 11D
DSP Liquidity Fund Growth ₹3,758.68
↑ 0.56
₹22,2450.51.53.377.45.83%1M 13D1M 17D
Invesco India Liquid Fund Growth ₹3,618.61
↑ 0.54
₹14,2400.51.53.377.45.78%1M 9D1M 9D
PGIM India Insta Cash Fund Growth ₹342.728
↑ 0.05
₹5130.51.53.377.35.81%1M 15D1M 17D
Canara Robeco Liquid Growth ₹3,169.77
↑ 0.48
₹6,5770.51.53.377.45.76%1M 5D1M 7D
Tata Liquid Fund Growth ₹4,146.48
↑ 0.60
₹22,9510.51.53.377.35.88%1M 15D1M 15D
Edelweiss Liquid Fund Growth ₹3,366.73
↑ 0.51
₹8,3230.51.53.377.35.76%1M 16D1M 16D
UTI Liquid Cash Plan Growth ₹4,318.96
↑ 0.64
₹29,0130.51.53.377.35.86%1M 13D1M 13D
Aditya Birla Sun Life Liquid Fund Growth ₹424.21
↑ 0.06
₹51,9130.51.53.377.35.89%1M 13D1M 13D
Mahindra Liquid Fund Growth ₹1,713.41
↑ 0.26
₹1,0110.51.53.377.45.94%1M 10D1M 14D
Mirae Asset Cash Management Fund Growth ₹2,760.67
↑ 0.42
₹13,6340.51.53.36.97.35.77%1M 6D1M 7D
Kotak Liquid Fund Growth ₹5,321.34
↑ 0.80
₹38,1760.51.53.36.97.35.93%1M 13D1M 13D
Nippon India Liquid Fund  Growth ₹6,425.01
↑ 0.96
₹35,3880.51.53.36.97.35.89%1M 10D1M 13D
ICICI Prudential Liquid Fund Growth ₹389.719
↑ 0.06
₹51,5930.51.53.36.97.45.86%1M 4D1M 7D
HDFC Liquid Fund Growth ₹5,165.28
↑ 0.74
₹67,3540.51.53.36.97.35.83%1M 14D1M 18D
LIC MF Liquid Fund Growth ₹4,758.77
↑ 0.67
₹11,1990.51.53.26.97.45.85%1M 12D1M 12D
Bandhan Cash Fund Growth ₹3,179.63
↑ 0.47
₹14,3910.51.53.26.97.35.75%1M 3D1M 3D
Baroda Pioneer Liquid Fund Growth ₹3,026.48
↑ 0.43
₹11,8360.51.53.26.97.35.84%1M 9D1M 9D
SBI Liquid Fund Growth ₹4,114.73
↑ 0.60
₹68,4430.51.53.36.97.35.8%1M 6D1M 10D
JM Liquid Fund Growth ₹71.825
↑ 0.01
₹3,2250.51.53.36.97.25.77%1M 5D1M 7D
IIFL Liquid Fund Growth ₹2,026.44
↑ 0.30
₹9760.51.43.26.87.25.76%1M 20D
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 22 Aug 25

Research Highlights & Commentary of 25 Funds showcased

CommentaryBOI AXA Liquid FundAxis Liquid FundIndiabulls Liquid FundDSP Liquidity FundInvesco India Liquid Fund PGIM India Insta Cash FundCanara Robeco LiquidTata Liquid FundEdelweiss Liquid FundUTI Liquid Cash PlanAditya Birla Sun Life Liquid FundMahindra Liquid FundMirae Asset Cash Management FundKotak Liquid FundNippon India Liquid Fund ICICI Prudential Liquid FundHDFC Liquid Fund LIC MF Liquid FundBandhan Cash FundBaroda Pioneer Liquid FundSBI Liquid FundJM Liquid FundIIFL Liquid FundIDBI Liquid FundSundaram Money Fund
Point 1Bottom quartile AUM (₹2,002 Cr).Top quartile AUM (₹36,757 Cr).Bottom quartile AUM (₹393 Cr).Upper mid AUM (₹22,245 Cr).Upper mid AUM (₹14,240 Cr).Bottom quartile AUM (₹513 Cr).Lower mid AUM (₹6,577 Cr).Upper mid AUM (₹22,951 Cr).Lower mid AUM (₹8,323 Cr).Upper mid AUM (₹29,013 Cr).Top quartile AUM (₹51,913 Cr).Bottom quartile AUM (₹1,011 Cr).Lower mid AUM (₹13,634 Cr).Top quartile AUM (₹38,176 Cr).Upper mid AUM (₹35,388 Cr).Top quartile AUM (₹51,593 Cr).Top quartile AUM (₹67,354 Cr).Lower mid AUM (₹11,199 Cr).Upper mid AUM (₹14,391 Cr).Lower mid AUM (₹11,836 Cr).Highest AUM (₹68,443 Cr).Lower mid AUM (₹3,225 Cr).Bottom quartile AUM (₹976 Cr).Bottom quartile AUM (₹503 Cr).Bottom quartile AUM (₹3,144 Cr).
Point 2Established history (17+ yrs).Established history (15+ yrs).Established history (13+ yrs).Established history (19+ yrs).Established history (18+ yrs).Established history (17+ yrs).Established history (17+ yrs).Established history (20+ yrs).Established history (17+ yrs).Established history (21+ yrs).Established history (21+ yrs).Established history (9+ yrs).Established history (16+ yrs).Established history (21+ yrs).Established history (21+ yrs).Established history (19+ yrs).Established history (24+ yrs).Established history (23+ yrs).Established history (17+ yrs).Established history (16+ 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).Rating: 3★ (bottom quartile).Rating: 4★ (top quartile).Top rated.Rating: 3★ (upper mid).Rating: 4★ (top quartile).Rating: 2★ (bottom quartile).Rating: 3★ (lower mid).Rating: 4★ (top quartile).Not Rated.Rating: 2★ (bottom quartile).Rating: 3★ (lower mid).Rating: 4★ (upper mid).Rating: 4★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).Rating: 4★ (upper mid).Rating: 3★ (bottom quartile).Rating: 5★ (top quartile).Not Rated.Rating: 3★ (lower mid).Rating: 3★ (lower 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: 7.03% (top quartile).1Y return: 7.01% (top quartile).1Y return: 7.00% (top quartile).1Y return: 6.99% (top quartile).1Y return: 6.98% (top quartile).1Y return: 6.98% (top quartile).1Y return: 6.98% (upper mid).1Y return: 6.97% (upper mid).1Y return: 6.97% (upper mid).1Y return: 6.97% (upper mid).1Y return: 6.96% (upper mid).1Y return: 6.95% (upper mid).1Y return: 6.95% (lower mid).1Y return: 6.94% (lower mid).1Y return: 6.94% (lower mid).1Y return: 6.94% (lower mid).1Y return: 6.94% (lower mid).1Y return: 6.89% (lower mid).1Y return: 6.88% (bottom quartile).1Y return: 6.88% (bottom quartile).1Y return: 6.87% (bottom quartile).1Y return: 6.86% (bottom quartile).1Y return: 6.77% (bottom quartile).1Y return: 6.55% (bottom quartile).1Y return: 3.29% (bottom quartile).
Point 61M return: 0.47% (top quartile).1M return: 0.47% (top quartile).1M return: 0.46% (upper mid).1M return: 0.47% (upper mid).1M return: 0.47% (upper mid).1M return: 0.46% (lower mid).1M return: 0.47% (upper mid).1M return: 0.46% (lower mid).1M return: 0.47% (top quartile).1M return: 0.46% (upper mid).1M return: 0.46% (lower mid).1M return: 0.47% (top quartile).1M return: 0.47% (top quartile).1M return: 0.47% (upper mid).1M return: 0.46% (bottom quartile).1M return: 0.46% (lower mid).1M return: 0.46% (lower mid).1M return: 0.46% (lower mid).1M return: 0.46% (bottom quartile).1M return: 0.46% (bottom quartile).1M return: 0.46% (bottom quartile).1M return: 0.46% (bottom quartile).1M return: 0.45% (bottom quartile).1M return: 0.53% (top quartile).1M return: 0.29% (bottom quartile).
Point 7Sharpe: 4.36 (top quartile).Sharpe: 3.64 (top quartile).Sharpe: 3.05 (lower mid).Sharpe: 4.00 (top quartile).Sharpe: 3.63 (top quartile).Sharpe: 3.30 (upper mid).Sharpe: 3.31 (upper mid).Sharpe: 3.33 (upper mid).Sharpe: 3.64 (top quartile).Sharpe: 3.22 (upper mid).Sharpe: 3.23 (upper mid).Sharpe: 3.93 (top quartile).Sharpe: 3.62 (upper mid).Sharpe: 2.93 (bottom quartile).Sharpe: 3.10 (lower mid).Sharpe: 3.19 (lower mid).Sharpe: 2.94 (lower mid).Sharpe: 3.14 (lower mid).Sharpe: 3.01 (lower mid).Sharpe: 2.93 (bottom quartile).Sharpe: 2.63 (bottom quartile).Sharpe: 2.80 (bottom quartile).Sharpe: 2.19 (bottom quartile).Sharpe: 0.20 (bottom quartile).Sharpe: -3.87 (bottom quartile).
Point 8Information ratio: 0.52 (top quartile).Information ratio: 0.00 (lower mid).Information ratio: -1.37 (bottom quartile).Information ratio: 0.00 (top quartile).Information ratio: 0.00 (top quartile).Information ratio: -0.82 (lower mid).Information ratio: -0.08 (lower 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: -0.86 (bottom quartile).Information ratio: -1.03 (bottom quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (top quartile).Information ratio: -1.27 (bottom quartile).Information ratio: 0.00 (top quartile).Information ratio: -2.27 (bottom quartile).Information ratio: -3.05 (bottom quartile).Information ratio: -5.96 (bottom quartile).Information ratio: 0.00 (top quartile).
Point 9Yield to maturity (debt): 5.64% (bottom quartile).Yield to maturity (debt): 5.85% (upper mid).Yield to maturity (debt): 5.77% (lower mid).Yield to maturity (debt): 5.83% (upper mid).Yield to maturity (debt): 5.78% (lower mid).Yield to maturity (debt): 5.81% (lower mid).Yield to maturity (debt): 5.76% (bottom quartile).Yield to maturity (debt): 5.88% (top quartile).Yield to maturity (debt): 5.76% (bottom quartile).Yield to maturity (debt): 5.86% (upper mid).Yield to maturity (debt): 5.89% (top quartile).Yield to maturity (debt): 5.94% (top quartile).Yield to maturity (debt): 5.77% (bottom quartile).Yield to maturity (debt): 5.93% (top quartile).Yield to maturity (debt): 5.89% (top quartile).Yield to maturity (debt): 5.86% (upper mid).Yield to maturity (debt): 5.83% (lower mid).Yield to maturity (debt): 5.85% (upper mid).Yield to maturity (debt): 5.75% (bottom quartile).Yield to maturity (debt): 5.84% (upper mid).Yield to maturity (debt): 5.80% (lower mid).Yield to maturity (debt): 5.77% (lower mid).Yield to maturity (debt): 5.76% (bottom quartile).Yield to maturity (debt): 6.66% (top quartile).Yield to maturity (debt): 3.50% (bottom quartile).
Point 10Modified duration: 0.13 yrs (bottom quartile).Modified duration: 0.12 yrs (lower mid).Modified duration: 0.11 yrs (lower mid).Modified duration: 0.12 yrs (bottom quartile).Modified duration: 0.11 yrs (upper mid).Modified duration: 0.13 yrs (bottom quartile).Modified duration: 0.10 yrs (top quartile).Modified duration: 0.13 yrs (bottom quartile).Modified duration: 0.13 yrs (bottom quartile).Modified duration: 0.12 yrs (bottom quartile).Modified duration: 0.12 yrs (lower mid).Modified duration: 0.11 yrs (upper mid).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.12 yrs (lower mid).Modified duration: 0.11 yrs (lower mid).Modified duration: 0.10 yrs (top quartile).Modified duration: 0.12 yrs (bottom quartile).Modified duration: 0.12 yrs (lower mid).Modified duration: 0.09 yrs (top quartile).Modified duration: 0.11 yrs (upper mid).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.10 yrs (top quartile).Modified duration: 0.00 yrs (top quartile).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.09 yrs (top quartile).

BOI AXA Liquid Fund

  • Bottom quartile AUM (₹2,002 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.03% (top quartile).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 4.36 (top quartile).
  • Information ratio: 0.52 (top quartile).
  • Yield to maturity (debt): 5.64% (bottom quartile).
  • Modified duration: 0.13 yrs (bottom quartile).

Axis Liquid Fund

  • Top quartile AUM (₹36,757 Cr).
  • Established history (15+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.01% (top quartile).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 3.64 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.85% (upper mid).
  • Modified duration: 0.12 yrs (lower mid).

Indiabulls Liquid Fund

  • Bottom quartile AUM (₹393 Cr).
  • Established history (13+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 7.00% (top quartile).
  • 1M return: 0.46% (upper mid).
  • Sharpe: 3.05 (lower mid).
  • Information ratio: -1.37 (bottom quartile).
  • Yield to maturity (debt): 5.77% (lower mid).
  • Modified duration: 0.11 yrs (lower mid).

DSP Liquidity Fund

  • Upper mid AUM (₹22,245 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.99% (top quartile).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 4.00 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.83% (upper mid).
  • Modified duration: 0.12 yrs (bottom quartile).

Invesco India Liquid Fund

  • Upper mid AUM (₹14,240 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.98% (top quartile).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.63 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.78% (lower mid).
  • Modified duration: 0.11 yrs (upper mid).

PGIM India Insta Cash Fund

  • Bottom quartile AUM (₹513 Cr).
  • Established history (17+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.98% (top quartile).
  • 1M return: 0.46% (lower mid).
  • Sharpe: 3.30 (upper mid).
  • Information ratio: -0.82 (lower mid).
  • Yield to maturity (debt): 5.81% (lower mid).
  • Modified duration: 0.13 yrs (bottom quartile).

Canara Robeco Liquid

  • Lower mid AUM (₹6,577 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.98% (upper mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.31 (upper mid).
  • Information ratio: -0.08 (lower mid).
  • Yield to maturity (debt): 5.76% (bottom quartile).
  • Modified duration: 0.10 yrs (top quartile).

Tata Liquid Fund

  • Upper mid AUM (₹22,951 Cr).
  • Established history (20+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.97% (upper mid).
  • 1M return: 0.46% (lower mid).
  • Sharpe: 3.33 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.88% (top quartile).
  • Modified duration: 0.13 yrs (bottom quartile).

Edelweiss Liquid Fund

  • Lower mid AUM (₹8,323 Cr).
  • Established history (17+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.97% (upper mid).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 3.64 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.76% (bottom quartile).
  • Modified duration: 0.13 yrs (bottom quartile).

UTI Liquid Cash Plan

  • Upper mid AUM (₹29,013 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.97% (upper mid).
  • 1M return: 0.46% (upper mid).
  • Sharpe: 3.22 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.86% (upper mid).
  • Modified duration: 0.12 yrs (bottom quartile).

Aditya Birla Sun Life Liquid Fund

  • Top quartile AUM (₹51,913 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.96% (upper mid).
  • 1M return: 0.46% (lower mid).
  • Sharpe: 3.23 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.89% (top quartile).
  • Modified duration: 0.12 yrs (lower mid).

Mahindra Liquid Fund

  • Bottom quartile AUM (₹1,011 Cr).
  • Established history (9+ yrs).
  • Not Rated.
  • Risk profile: Low.
  • 1Y return: 6.95% (upper mid).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 3.93 (top quartile).
  • 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 (₹13,634 Cr).
  • Established history (16+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.95% (lower mid).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 3.62 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.77% (bottom quartile).
  • Modified duration: 0.10 yrs (upper mid).

Kotak Liquid Fund

  • Top quartile AUM (₹38,176 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.94% (lower mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 2.93 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.93% (top quartile).
  • Modified duration: 0.12 yrs (lower mid).

Nippon India Liquid Fund 

  • Upper mid AUM (₹35,388 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.94% (lower mid).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.10 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.89% (top quartile).
  • Modified duration: 0.11 yrs (lower mid).

ICICI Prudential Liquid Fund

  • Top quartile AUM (₹51,593 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.94% (lower mid).
  • 1M return: 0.46% (lower mid).
  • Sharpe: 3.19 (lower mid).
  • Information ratio: -0.86 (bottom quartile).
  • Yield to maturity (debt): 5.86% (upper mid).
  • Modified duration: 0.10 yrs (top quartile).

HDFC Liquid Fund

  • Top quartile AUM (₹67,354 Cr).
  • Established history (24+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.94% (lower mid).
  • 1M return: 0.46% (lower mid).
  • Sharpe: 2.94 (lower mid).
  • Information ratio: -1.03 (bottom quartile).
  • Yield to maturity (debt): 5.83% (lower mid).
  • Modified duration: 0.12 yrs (bottom quartile).

LIC MF Liquid Fund

  • Lower mid AUM (₹11,199 Cr).
  • Established history (23+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.89% (lower mid).
  • 1M return: 0.46% (lower mid).
  • Sharpe: 3.14 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.85% (upper mid).
  • Modified duration: 0.12 yrs (lower mid).

Bandhan Cash Fund

  • Upper mid AUM (₹14,391 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.88% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.01 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.75% (bottom quartile).
  • Modified duration: 0.09 yrs (top quartile).

Baroda Pioneer Liquid Fund

  • Lower mid AUM (₹11,836 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.88% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 2.93 (bottom quartile).
  • Information ratio: -1.27 (bottom quartile).
  • Yield to maturity (debt): 5.84% (upper mid).
  • Modified duration: 0.11 yrs (upper mid).

SBI Liquid Fund

  • Highest AUM (₹68,443 Cr).
  • Established history (18+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.87% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 2.63 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.80% (lower mid).
  • Modified duration: 0.10 yrs (upper mid).

JM Liquid Fund

  • Lower mid AUM (₹3,225 Cr).
  • Oldest track record among peers (27 yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.86% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 2.80 (bottom quartile).
  • Information ratio: -2.27 (bottom quartile).
  • Yield to maturity (debt): 5.77% (lower mid).
  • Modified duration: 0.10 yrs (top quartile).

IIFL Liquid Fund

  • Bottom quartile AUM (₹976 Cr).
  • Established history (11+ yrs).
  • Not Rated.
  • Risk profile: Low.
  • 1Y return: 6.77% (bottom quartile).
  • 1M return: 0.45% (bottom quartile).
  • Sharpe: 2.19 (bottom quartile).
  • Information ratio: -3.05 (bottom quartile).
  • Yield to maturity (debt): 5.76% (bottom quartile).
  • Modified duration: 0.00 yrs (top quartile).

IDBI Liquid Fund

  • Bottom quartile AUM (₹503 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (lower mid).
  • 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 (upper mid).

Sundaram Money Fund

  • Bottom quartile AUM (₹3,144 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (lower 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).

ലിക്വിഡ് മ്യൂച്വൽ ഫണ്ടുകൾക്ക് കഴിയുമോ എന്നറിയാൻ വ്യക്തികളും കോർപ്പറേറ്റുകളും തമ്മിലുള്ള അസറ്റ് വിഭജനം ഒരു പരിധിവരെ പ്രധാനമാണ്.കൈകാര്യം ചെയ്യുക വലിയ വീണ്ടെടുപ്പുകൾ. വലിയ വീണ്ടെടുക്കലുകൾ (ചിലപ്പോൾ 100-ഓ 1000-ഓ കോടികൾ കോർപ്പറേറ്റുകൾക്കും സംഭവിക്കാം) പോർട്ട്ഫോളിയോയിൽ സമ്മർദ്ദം ചെലുത്താം. പണലഭ്യത പ്രതിസന്ധിയുടെ സമയങ്ങളിൽ, ഇത്രയും വലിയ തുകയ്ക്ക് വാങ്ങുന്നവരെ കണ്ടെത്തുന്നത് ബുദ്ധിമുട്ടായിരിക്കും.

വാസ്തവത്തിൽ, പോർട്ട്ഫോളിയോ വിലയിൽ സ്വാധീനം ചെലുത്തുന്നില്ലെന്ന് ഉറപ്പാക്കാൻ, ലിക്വിഡ് ഫണ്ടുകൾ മാർക്കിൽ നിന്ന് വിപണിയിലേക്ക് അക്രുവൽ അടിസ്ഥാനമാക്കിയുള്ളതിലേക്ക് മാറ്റി.അക്കൌണ്ടിംഗ് 2008 ലെ ലേമാൻ പ്രതിസന്ധിക്ക് ശേഷം.

കൂടാതെ, ഫണ്ടിന്റെ വലുപ്പം ഇവിടെ നിക്ഷേപകരെ സംരക്ഷിക്കുന്നുമോചനം മുതൽ സമ്മർദ്ദങ്ങൾസെബി ഒരു സ്കീമിലെ ഏറ്റവും ഉയർന്ന വ്യക്തിക്ക് 20% കവിയാൻ പാടില്ല എന്നൊരു നിയമം ഉണ്ട്. അതിനാൽ, മിക്ക സ്കീമുകളും ഒരു പരിധി വരെ സംരക്ഷിക്കപ്പെടും.

മികച്ച 5 ലിക്വിഡ് ഫണ്ടുകൾ

2022-ലെ മികച്ച പ്രകടനം നടത്തുന്ന ലിക്വിഡ് ഫണ്ടുകൾ ഇവയാണ്-

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
BOI AXA Liquid Fund Growth ₹3,032.07
↑ 0.46
₹2,0020.51.53.377.45.64%1M 17D1M 17D
Axis Liquid Fund Growth ₹2,931.49
↑ 0.42
₹36,7570.51.53.377.45.85%1M 12D1M 15D
Indiabulls Liquid Fund Growth ₹2,546.08
↑ 0.39
₹3930.51.53.377.45.77%1M 10D1M 11D
DSP Liquidity Fund Growth ₹3,758.68
↑ 0.56
₹22,2450.51.53.377.45.83%1M 13D1M 17D
Invesco India Liquid Fund Growth ₹3,618.61
↑ 0.54
₹14,2400.51.53.377.45.78%1M 9D1M 9D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Aug 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryBOI AXA Liquid FundAxis Liquid FundIndiabulls Liquid FundDSP Liquidity FundInvesco India Liquid Fund
Point 1Bottom quartile AUM (₹2,002 Cr).Highest AUM (₹36,757 Cr).Bottom quartile AUM (₹393 Cr).Upper mid AUM (₹22,245 Cr).Lower mid AUM (₹14,240 Cr).
Point 2Established history (17+ yrs).Established history (15+ yrs).Established history (13+ yrs).Oldest track record among peers (19 yrs).Established history (18+ yrs).
Point 3Rating: 3★ (bottom quartile).Rating: 4★ (upper mid).Top rated.Rating: 3★ (bottom quartile).Rating: 4★ (lower mid).
Point 4Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.
Point 51Y return: 7.03% (top quartile).1Y return: 7.01% (upper mid).1Y return: 7.00% (lower mid).1Y return: 6.99% (bottom quartile).1Y return: 6.98% (bottom quartile).
Point 61M return: 0.47% (top quartile).1M return: 0.47% (upper mid).1M return: 0.46% (bottom quartile).1M return: 0.47% (lower mid).1M return: 0.47% (bottom quartile).
Point 7Sharpe: 4.36 (top quartile).Sharpe: 3.64 (lower mid).Sharpe: 3.05 (bottom quartile).Sharpe: 4.00 (upper mid).Sharpe: 3.63 (bottom quartile).
Point 8Information ratio: 0.52 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: -1.37 (bottom quartile).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 5.64% (bottom quartile).Yield to maturity (debt): 5.85% (top quartile).Yield to maturity (debt): 5.77% (bottom quartile).Yield to maturity (debt): 5.83% (upper mid).Yield to maturity (debt): 5.78% (lower mid).
Point 10Modified duration: 0.13 yrs (bottom quartile).Modified duration: 0.12 yrs (lower mid).Modified duration: 0.11 yrs (upper mid).Modified duration: 0.12 yrs (bottom quartile).Modified duration: 0.11 yrs (top quartile).

BOI AXA Liquid Fund

  • Bottom quartile AUM (₹2,002 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 7.03% (top quartile).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 4.36 (top quartile).
  • Information ratio: 0.52 (top quartile).
  • Yield to maturity (debt): 5.64% (bottom quartile).
  • Modified duration: 0.13 yrs (bottom quartile).

Axis Liquid Fund

  • Highest AUM (₹36,757 Cr).
  • Established history (15+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.01% (upper mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.64 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.85% (top quartile).
  • Modified duration: 0.12 yrs (lower mid).

Indiabulls Liquid Fund

  • Bottom quartile AUM (₹393 Cr).
  • Established history (13+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 7.00% (lower mid).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.05 (bottom quartile).
  • Information ratio: -1.37 (bottom quartile).
  • Yield to maturity (debt): 5.77% (bottom quartile).
  • Modified duration: 0.11 yrs (upper mid).

DSP Liquidity Fund

  • Upper mid AUM (₹22,245 Cr).
  • Oldest track record among peers (19 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.99% (bottom quartile).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 4.00 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.83% (upper mid).
  • Modified duration: 0.12 yrs (bottom quartile).

Invesco India Liquid Fund

  • Lower mid AUM (₹14,240 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.98% (bottom quartile).
  • 1M return: 0.47% (bottom quartile).
  • Sharpe: 3.63 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 5.78% (lower mid).
  • Modified duration: 0.11 yrs (top quartile).

4. ലിക്വിഡ് മ്യൂച്വൽ ഫണ്ടുകളുടെ പ്രകടന റേറ്റിംഗ്

നിലവിലെ പോർട്ട്‌ഫോളിയോയും ഭാവി വീക്ഷണവും കണക്കിലെടുക്കുന്നില്ലെങ്കിൽ പ്രകടന റേറ്റിംഗുകൾക്ക് നാളത്തെ വിജയികളെ പരാജിതരിൽ നിന്ന് വേർതിരിച്ചറിയാൻ കഴിയില്ല. അതിനാൽ, പിന്നാക്കമായി കാണപ്പെടുന്ന റേറ്റിംഗുകൾക്ക് മുൻകാല പ്രകടനത്തെക്കുറിച്ച് ഒരു ആശയം നൽകാൻ കഴിയുമെങ്കിലും, ഒരു ഫണ്ട് തിരഞ്ഞെടുത്തത് മാറ്റുന്നതിനുള്ള മികച്ച അളവുകോലായി ഒരാൾക്ക് ഇവ ഉപയോഗിക്കാം.

ഉപസംഹാരം

ലിക്വിഡ് മ്യൂച്വൽ ഫണ്ടുകൾക്കായി തിരയുമ്പോൾ ഒരാൾ നിരവധി ഘടകങ്ങൾ നോക്കേണ്ടതുണ്ട്, തുടർന്ന് പ്രസക്തമായ ഫണ്ട് തിരഞ്ഞെടുക്കുക.

നിരാകരണം: ഏതെങ്കിലും നിക്ഷേപ തീരുമാനം എടുക്കുന്നതിന് മുമ്പ് ദയവായി നിങ്ങളുടെ ഉപദേശകനെ സമീപിച്ച് സ്വതന്ത്ര ഗവേഷണം നടത്തുക.

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