മികച്ച 10 ലിക്വിഡ് മ്യൂച്വൽ ഫണ്ടുകൾ 2022

Updated on October 29, 2026 , 15612 views

ലിക്വിഡ് ഫണ്ടുകൾ മിച്ചമുള്ള പണത്തിനുള്ള ഏറ്റവും മികച്ച ഓപ്ഷനുകളാണ്ബാങ്ക് അക്കൗണ്ട്. ലിക്വിഡ് ഫണ്ടുകൾ ഇവയാണ്മ്യൂച്വൽ ഫണ്ടുകൾ നിങ്ങളുടെ പണം വളരെ ചുരുങ്ങിയ സമയത്തേക്ക് നിക്ഷേപിക്കുകപണ വിപണി ട്രഷറി ബില്ലുകൾ, വാണിജ്യ പേപ്പറുകൾ, തുടങ്ങിയ ഉപകരണങ്ങൾനിക്ഷേപ സാക്ഷ്യപത്രം, തുടങ്ങിയവ.

ഈ ഫണ്ടുകൾ വളരെ ദ്രാവക സ്വഭാവമുള്ളവയാണ്, അവയ്ക്ക് എൻട്രി അല്ലെങ്കിൽ എക്സിറ്റ് ലോഡ് ഇല്ല. ലിക്വിഡ് ഫണ്ടുകൾ വാഗ്ദാനം ചെയ്യുന്ന പരമോന്നത നേട്ടങ്ങൾ കാരണം; ഫിക്സഡ് ഡിപ്പോസിറ്റുകളേക്കാൾ മികച്ച നിക്ഷേപ ഓപ്ഷനായി അവ പലപ്പോഴും കണക്കാക്കപ്പെടുന്നുസേവിംഗ്സ് അക്കൗണ്ട്.

മികച്ച 10 ലിക്വിഡ് മ്യൂച്വൽ ഫണ്ടുകൾ വിട്ടുവീഴ്ച ചെയ്യാതെ മികച്ച വരുമാനം നേടാനുള്ള അവസരം നൽകുന്നുദ്രവ്യത ഘടകങ്ങൾ. മികച്ച പ്രകടനം നടത്തുന്ന ലിക്വിഡ് ഫണ്ടുകൾ ചുരുങ്ങിയ സമയത്തിനുള്ളിൽ മികച്ച വരുമാനം നേടാൻ നിങ്ങളെ അനുവദിക്കുന്നു. ലിക്വിഡ് ഫണ്ടുകളുടെ ശരാശരി കാലാവധി 91 ദിവസത്തിൽ കുറവായതിനാൽ, ഹ്രസ്വകാലത്തേക്ക് നോക്കുന്ന നിക്ഷേപകർക്ക് ഇത് ഏറ്റവും അനുയോജ്യമാണ്.നിക്ഷേപ പദ്ധതി. കൂടാതെ, ലിക്വിഡ് മ്യൂച്വൽ ഫണ്ടുകളെ അധികം ബാധിക്കാത്തതിനാൽവിപണി അസ്ഥിരത, അപകടസാധ്യത ഘടകങ്ങളെ കുറിച്ച് ആകുലപ്പെടാതെ നിക്ഷേപകർക്ക് എളുപ്പത്തിൽ നിക്ഷേപിക്കാൻ കഴിയും.

ലിക്വിഡ് ഫണ്ടുകളിൽ നിക്ഷേപിക്കുന്നതിന്റെ പ്രധാന നേട്ടങ്ങൾ

പ്രധാനപ്പെട്ട ചിലത്നിക്ഷേപത്തിന്റെ നേട്ടങ്ങൾ ലിക്വിഡ് മ്യൂച്വൽ ഫണ്ടുകളിൽ ഇവയാണ്:

ലിക്വിഡ് ഫണ്ടിൽ, 24 മണിക്കൂറിനുള്ളിൽ നിങ്ങളുടെ ഫണ്ടുകൾ പിൻവലിക്കാം
ലിക്വിഡ് ഫണ്ടുകൾ എന്ന നിലയിൽ പ്രധാനമായും ഫിക്സഡ് നിക്ഷേപത്തിലാണ്വരുമാനം ചെറിയ മെച്യൂരിറ്റി കാലയളവുള്ള സെക്യൂരിറ്റികൾ, മറ്റുള്ളവയുമായി താരതമ്യം ചെയ്യുമ്പോൾ ഏറ്റവും കുറഞ്ഞ പലിശ നിരക്ക് റിസ്ക് ആണ്കടം മ്യൂച്വൽ ഫണ്ട്
ലിക്വിഡ് മ്യൂച്വൽ ഫണ്ടുകൾ പ്രതിവർഷം ശരാശരി 7.5-8% വരുമാനം വാഗ്ദാനം ചെയ്യുന്നു
ഈ ഫണ്ടുകൾക്ക് ലോക്ക്-ഇൻ കാലയളവ് ഇല്ല, അതിനർത്ഥം ആവശ്യമുള്ളിടത്തെല്ലാം നിങ്ങളുടെ പണം റിഡീം ചെയ്യാമെന്നാണ്
ലിക്വിഡ് ഫണ്ടുകൾ വിലയേറിയ നികുതി ആനുകൂല്യങ്ങൾ വാഗ്ദാനം ചെയ്യുന്നു

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മികച്ച 10 ലിക്വിഡ് മ്യൂച്വൽ ഫണ്ടുകൾ FY 22 - 23

Fund	NAV	Net Assets (Cr)	1 MO (%)	3 MO (%)	6 MO (%)	1 YR (%)	2025 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
PGIM India Insta Cash Fund Growth	₹368.562 ↑ 0.08	₹1,438	0.5	1.5	3.2	6.4	6.5	6.15%	1M 10D	1M 10D
Indiabulls Liquid Fund Growth	₹2,737.58 ↑ 0.57	₹301	0.5	1.5	3.2	6.4	6.6	6.4%	1M 18D	1M 18D
JM Liquid Fund Growth	₹77.12 ↑ 0.02	₹1,701	0.4	1.5	3.1	6.3	6.4	6.12%	1M 8D	1M 11D
Axis Liquid Fund Growth	₹3,153.67 ↑ 0.74	₹53,470	0.4	1.5	3.2	6.4	6.6	6.37%	1M 19D	1M 19D
Invesco India Liquid Fund Growth	₹3,890.9 ↑ 0.93	₹22,395	0.4	1.5	3.2	6.4	6.5	6.35%	1M 17D	1M 17D
Aditya Birla Sun Life Liquid Fund Growth	₹456.05 ↑ 0.11	₹61,167	0.4	1.5	3.1	6.4	6.5	6.53%	1M 28D	1M 28D
Nippon India Liquid Fund Growth	₹6,905.45 ↑ 1.59	₹40,490	0.4	1.5	3.1	6.4	6.5	0.06%
Tata Liquid Fund Growth	₹4,456.36 ↑ 0.98	₹28,037	0.4	1.5	3.1	6.3	6.5	6.19%	1M 7D	1M 7D
ICICI Prudential Liquid Fund Growth	₹418.736 ↑ 0.10	₹55,340	0.4	1.5	3.1	6.3	6.5	6.39%	1M 20D	1M 24D
Baroda Pioneer Liquid Fund Growth	₹3,251.71 ↑ 0.82	₹12,914	0.4	1.5	3.1	6.3	6.4	6.16%	1M 3D	1M 3D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Oct 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	PGIM India Insta Cash Fund	Indiabulls Liquid Fund	JM Liquid Fund	Axis Liquid Fund	Invesco India Liquid Fund	Aditya Birla Sun Life Liquid Fund	Nippon India Liquid Fund	Tata Liquid Fund	ICICI Prudential Liquid Fund	Baroda Pioneer Liquid Fund
Point 1	Bottom quartile AUM (₹1,438 Cr).	Bottom quartile AUM (₹301 Cr).	Bottom quartile AUM (₹1,701 Cr).	Upper mid AUM (₹53,470 Cr).	Lower mid AUM (₹22,395 Cr).	Highest AUM (₹61,167 Cr).	Upper mid AUM (₹40,490 Cr).	Upper mid AUM (₹28,037 Cr).	Top quartile AUM (₹55,340 Cr).	Lower mid AUM (₹12,914 Cr).
Point 2	Established history (19+ yrs).	Established history (15+ yrs).	Oldest track record among peers (28 yrs).	Established history (17+ yrs).	Established history (19+ yrs).	Established history (22+ yrs).	Established history (22+ yrs).	Established history (22+ yrs).	Established history (20+ yrs).	Established history (17+ yrs).
Point 3	Top rated.	Rating: 5★ (top quartile).	Rating: 5★ (upper mid).	Rating: 4★ (upper mid).	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	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 5	1Y return: 6.40% (top quartile).	1Y return: 6.38% (upper mid).	1Y return: 6.25% (bottom quartile).	1Y return: 6.44% (top quartile).	1Y return: 6.39% (upper mid).	1Y return: 6.37% (upper mid).	1Y return: 6.35% (lower mid).	1Y return: 6.34% (lower mid).	1Y return: 6.32% (bottom quartile).	1Y return: 6.32% (bottom quartile).
Point 6	1M return: 0.46% (top quartile).	1M return: 0.47% (top quartile).	1M return: 0.44% (lower mid).	1M return: 0.45% (upper mid).	1M return: 0.44% (lower mid).	1M return: 0.43% (bottom quartile).	1M return: 0.43% (bottom quartile).	1M return: 0.44% (upper mid).	1M return: 0.44% (bottom quartile).	1M return: 0.44% (upper mid).
Point 7	Sharpe: 3.02 (lower mid).	Sharpe: 3.19 (top quartile).	Sharpe: 2.66 (bottom quartile).	Sharpe: 3.18 (top quartile).	Sharpe: 3.08 (upper mid).	Sharpe: 2.91 (lower mid).	Sharpe: 2.86 (bottom quartile).	Sharpe: 3.11 (upper mid).	Sharpe: 2.88 (bottom quartile).	Sharpe: 3.06 (upper mid).
Point 8	Information ratio: 1.28 (top quartile).	Information ratio: 1.47 (top quartile).	Information ratio: 0.33 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 1.20 (upper mid).	Information ratio: 0.75 (upper mid).
Point 9	Yield to maturity (debt): 6.15% (bottom quartile).	Yield to maturity (debt): 6.40% (top quartile).	Yield to maturity (debt): 6.12% (bottom quartile).	Yield to maturity (debt): 6.37% (upper mid).	Yield to maturity (debt): 6.35% (upper mid).	Yield to maturity (debt): 6.53% (top quartile).	Yield to maturity (debt): 0.06% (bottom quartile).	Yield to maturity (debt): 6.19% (lower mid).	Yield to maturity (debt): 6.39% (upper mid).	Yield to maturity (debt): 6.16% (lower mid).
Point 10	Modified duration: 0.11 yrs (upper mid).	Modified duration: 0.13 yrs (lower mid).	Modified duration: 0.11 yrs (upper mid).	Modified duration: 0.14 yrs (bottom quartile).	Modified duration: 0.13 yrs (lower mid).	Modified duration: 0.16 yrs (bottom quartile).	Modified duration: 0.00 yrs (top quartile).	Modified duration: 0.10 yrs (upper mid).	Modified duration: 0.14 yrs (bottom quartile).	Modified duration: 0.09 yrs (top quartile).

PGIM India Insta Cash Fund

Bottom quartile AUM (₹1,438 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.40% (top quartile).
1M return: 0.46% (top quartile).
Sharpe: 3.02 (lower mid).
Information ratio: 1.28 (top quartile).
Yield to maturity (debt): 6.15% (bottom quartile).
Modified duration: 0.11 yrs (upper mid).

Indiabulls Liquid Fund

Bottom quartile AUM (₹301 Cr).
Established history (15+ yrs).
Rating: 5★ (top quartile).
Risk profile: Low.
1Y return: 6.38% (upper mid).
1M return: 0.47% (top quartile).
Sharpe: 3.19 (top quartile).
Information ratio: 1.47 (top quartile).
Yield to maturity (debt): 6.40% (top quartile).
Modified duration: 0.13 yrs (lower mid).

JM Liquid Fund

Bottom quartile AUM (₹1,701 Cr).
Oldest track record among peers (28 yrs).
Rating: 5★ (upper mid).
Risk profile: Low.
1Y return: 6.25% (bottom quartile).
1M return: 0.44% (lower mid).
Sharpe: 2.66 (bottom quartile).
Information ratio: 0.33 (upper mid).
Yield to maturity (debt): 6.12% (bottom quartile).
Modified duration: 0.11 yrs (upper mid).

Axis Liquid Fund

Upper mid AUM (₹53,470 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.44% (top quartile).
1M return: 0.45% (upper mid).
Sharpe: 3.18 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.37% (upper mid).
Modified duration: 0.14 yrs (bottom quartile).

Invesco India Liquid Fund

Lower mid AUM (₹22,395 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.39% (upper mid).
1M return: 0.44% (lower mid).
Sharpe: 3.08 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.35% (upper mid).
Modified duration: 0.13 yrs (lower mid).

Aditya Birla Sun Life Liquid Fund

Highest AUM (₹61,167 Cr).
Established history (22+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.37% (upper mid).
1M return: 0.43% (bottom quartile).
Sharpe: 2.91 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.53% (top quartile).
Modified duration: 0.16 yrs (bottom quartile).

Nippon India Liquid Fund

Upper mid AUM (₹40,490 Cr).
Established history (22+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.35% (lower mid).
1M return: 0.43% (bottom quartile).
Sharpe: 2.86 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 0.06% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).

Tata Liquid Fund

Upper mid AUM (₹28,037 Cr).
Established history (22+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Low.
1Y return: 6.34% (lower mid).
1M return: 0.44% (upper mid).
Sharpe: 3.11 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.19% (lower mid).
Modified duration: 0.10 yrs (upper mid).

ICICI Prudential Liquid Fund

Top quartile AUM (₹55,340 Cr).
Established history (20+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Low.
1Y return: 6.32% (bottom quartile).
1M return: 0.44% (bottom quartile).
Sharpe: 2.88 (bottom quartile).
Information ratio: 1.20 (upper mid).
Yield to maturity (debt): 6.39% (upper mid).
Modified duration: 0.14 yrs (bottom quartile).

Baroda Pioneer Liquid Fund

Lower mid AUM (₹12,914 Cr).
Established history (17+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Low.
1Y return: 6.32% (bottom quartile).
1M return: 0.44% (upper mid).
Sharpe: 3.06 (upper mid).
Information ratio: 0.75 (upper mid).
Yield to maturity (debt): 6.16% (lower mid).
Modified duration: 0.09 yrs (top quartile).

1. PGIM India Insta Cash Fund

(Erstwhile DHFL Pramerica Insta Cash Plus Fund)

To generate steady returns along with high liquidity by investing in a portfolio of short-term, high quality money market and debt instruments.

Research Highlights for PGIM India Insta Cash Fund

Bottom quartile AUM (₹1,438 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.40% (top quartile).
1M return: 0.46% (top quartile).
Sharpe: 3.02 (lower mid).
Information ratio: 1.28 (top quartile).
Yield to maturity (debt): 6.15% (bottom quartile).
Modified duration: 0.11 yrs (upper mid).
Average maturity: 0.11 yrs (upper mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Clearing Corporation Of India Ltd. (~13.5%).

Below is the key information for PGIM India Insta Cash Fund

PGIM India Insta Cash Fund Growth
Launch Date	5 Sep 07
NAV (30 Oct 26)	₹368.562 ↑ 0.08 (0.02 %)
Net Assets (Cr)	₹1,438 on 30 Sep 26
Category	Debt - Liquid Fund
AMC	Pramerica Asset Managers Private Limited
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.22
Sharpe Ratio	3.02
Information Ratio	1.28
Alpha Ratio	-0.02
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.15%
Effective Maturity	1 Month 10 Days
Modified Duration	1 Month 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,428
31 Oct 23	₹11,151
31 Oct 24	₹11,967
31 Oct 25	₹12,771
31 Oct 26	₹13,589

PGIM India Insta Cash Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for PGIM India Insta Cash Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 26

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.2%
1 Year	6.4%
3 Year	6.8%
5 Year	6.3%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.3%
2023	7%
2022	4.8%
2021	3.3%
2020	4.2%
2019	6.7%
2018	7.4%
2017	6.7%
2016	7.7%

Fund Manager information for PGIM India Insta Cash Fund

Name	Since	Tenure
Puneet Pal	16 Jul 22	4.21 Yr.
Akhil Dhar	25 Feb 26	0.6 Yr.

Data below for PGIM India Insta Cash Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	99.9%
Other	0.1%

Debt Sector Allocation

Sector	Value
Cash Equivalent	73.34%
Corporate	15.5%
Government	11%

Credit Quality

Rating	Value
AA	4.95%
AAA	95.05%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Clearing Corporation Of India Ltd. CBLO/Reverse Repo \| -	14%	₹307 Cr
Sikka Ports & Terminals Limited Debentures \| -	9%	₹200 Cr	20,000,000 ↑ 17,000,000
India (Republic of) - \| -	5%	₹114 Cr	11,500,000 ↑ 11,500,000
Godrej Consumer Products Ltd. ** Net Current Assets \| -	4%	₹100 Cr	10,000,000 ↑ 10,000,000
Union Bank Of India Certificate of Deposit \| -	4%	₹100 Cr	10,000,000 ↑ 10,000,000
HDFC Bank Limited Certificate of Deposit \| -	4%	₹100 Cr	10,000,000
Grasim Industries Ltd. ** Net Current Assets \| -	4%	₹99 Cr	10,000,000
Rural Electrification Corporation Limited Debentures \| -	4%	₹95 Cr	9,500,000 ↑ 9,500,000
Bharti Telecom Limited Debentures \| -	3%	₹75 Cr	7,500,000 ↑ 2,500,000
Reliance Retail Ventures Ltd. ** Net Current Assets \| -	3%	₹75 Cr	7,500,000 ↑ 5,000,000

2. Indiabulls Liquid Fund

To provide a high level of liquidity with returns commensurate with low risk through a portfolio of money market and debt securities with maturity of up to 91days. However, there can be no assurance that the investment objective of the scheme will be achieved.

Research Highlights for Indiabulls Liquid Fund

Bottom quartile AUM (₹301 Cr).
Established history (15+ yrs).
Rating: 5★ (top quartile).
Risk profile: Low.
1Y return: 6.38% (upper mid).
1M return: 0.47% (top quartile).
Sharpe: 3.19 (top quartile).
Information ratio: 1.47 (top quartile).
Yield to maturity (debt): 6.40% (top quartile).
Modified duration: 0.13 yrs (lower mid).
Average maturity: 0.13 yrs (lower mid).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Reverse Repo 16-Oct-26 (~20.1%).
Top-3 holdings concentration ~35.3%.

Below is the key information for Indiabulls Liquid Fund

Indiabulls Liquid Fund Growth
Launch Date	27 Oct 11
NAV (30 Oct 26)	₹2,737.58 ↑ 0.57 (0.02 %)
Net Assets (Cr)	₹301 on 30 Sep 26
Category	Debt - Liquid Fund
AMC	Indiabulls Asset Management Company Ltd.
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.2
Sharpe Ratio	3.19
Information Ratio	1.47
Alpha Ratio	0.03
Min Investment	500
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.4%
Effective Maturity	1 Month 18 Days
Modified Duration	1 Month 18 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,405
31 Oct 23	₹11,096
31 Oct 24	₹11,915
31 Oct 25	₹12,717
31 Oct 26	₹13,529

Indiabulls Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Indiabulls Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 26

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.2%
1 Year	6.4%
3 Year	6.8%
5 Year	6.2%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.6%
2024	7.4%
2023	6.8%
2022	4.6%
2021	3.1%
2020	3.9%
2019	6.6%
2018	7.3%
2017	6.7%
2016	7.8%

Fund Manager information for Indiabulls Liquid Fund

Name	Since	Tenure
Kaustubh Sule	11 May 23	3.39 Yr.
Wilfred Gonsalves	4 May 26	0.41 Yr.

Data below for Indiabulls Liquid Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	99.75%
Debt	0.25%

Debt Sector Allocation

Sector	Value
Cash Equivalent	72.47%
Corporate	27.53%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reverse Repo 16-Oct-26 CBLO/Reverse Repo \| -	20%	₹66 Cr
Indian Bank Certificate of Deposit \| -	8%	₹25 Cr	2,500,000 ↑ 2,500,000
Ntpc Limited Commercial Paper \| -	8%	₹25 Cr	2,500,000 ↑ 2,500,000
Union Bank Of India Certificate of Deposit \| -	8%	₹25 Cr	2,500,000 ↑ 2,500,000
Small Industries Development Bank Of India Certificate of Deposit \| -	8%	₹25 Cr	2,500,000 ↑ 2,500,000
Bajaj Financial Securities Limited Commercial Paper \| -	8%	₹25 Cr	2,500,000 ↑ 2,500,000
HDFC Securities Limited Debentures \| -	8%	₹25 Cr	2,500,000
Bank Of Baroda Certificate of Deposit \| -	8%	₹25 Cr	2,500,000
Export-Import Bank Of India Commercial Paper \| -	7%	₹24 Cr	2,400,000
Reliance Retail Ventures Ltd 11-Dec-2026** Net Current Assets \| -	6%	₹20 Cr	2,000,000

3. JM Liquid Fund

(Erstwhile JM High Liquidity Fund)

To provide income by way of dividend (dividend plans) and capital gains (growth plan) through investing in debt and money market instruments.

Research Highlights for JM Liquid Fund

Bottom quartile AUM (₹1,701 Cr).
Oldest track record among peers (28 yrs).
Rating: 5★ (upper mid).
Risk profile: Low.
1Y return: 6.25% (bottom quartile).
1M return: 0.44% (lower mid).
Sharpe: 2.66 (bottom quartile).
Information ratio: 0.33 (upper mid).
Yield to maturity (debt): 6.12% (bottom quartile).
Modified duration: 0.11 yrs (upper mid).
Average maturity: 0.11 yrs (upper mid).
Exit load: NIL.
Top sector: Consumer Cyclical.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding The Clearing Corporation Of India Ltd. 01-Oct-2026 (~20.5%).

Below is the key information for JM Liquid Fund

JM Liquid Fund Growth
Launch Date	31 Dec 97
NAV (30 Oct 26)	₹77.12 ↑ 0.02 (0.02 %)
Net Assets (Cr)	₹1,701 on 30 Sep 26
Category	Debt - Liquid Fund
AMC	JM Financial Asset Management Limited
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.26
Sharpe Ratio	2.66
Information Ratio	0.33
Alpha Ratio	-0.12
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.12%
Effective Maturity	1 Month 11 Days
Modified Duration	1 Month 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,433
31 Oct 23	₹11,149
31 Oct 24	₹11,960
31 Oct 25	₹12,750
31 Oct 26	₹13,547

JM Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for JM Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 26

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3.1%
1 Year	6.3%
3 Year	6.7%
5 Year	6.3%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.4%
2024	7.2%
2023	7%
2022	4.8%
2021	3.3%
2020	4%
2019	6.6%
2018	7.4%
2017	6.7%
2016	7.7%

Fund Manager information for JM Liquid Fund

Name	Since	Tenure
Killol Pandya	5 Nov 24	1.9 Yr.
Ruchi Fozdar	3 Apr 24	2.5 Yr.
Jayant Dhoot	1 Aug 25	1.17 Yr.

Data below for JM Liquid Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	99.5%
Other	0.5%

Debt Sector Allocation

Sector	Value
Cash Equivalent	77.54%
Corporate	17.47%
Government	4.49%

Credit Quality

Rating	Value
AA	1.8%
AAA	98.2%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
The Clearing Corporation Of India Ltd. 01-Oct-2026 CBLO/Reverse Repo \| -	21%	₹350 Cr	349,514 ↑ 349,514
L&T Finance Limited Commercial Paper \| -	6%	₹99 Cr	10,000,000
Canara Bank 04-Dec-2026**# Net Current Assets \| -	6%	₹99 Cr	10,000,000 ↑ 10,000,000
Indian Bank Certificate of Deposit \| -	6%	₹99 Cr	10,000,000 ↑ 10,000,000
Small Industries Development Bank Of India Certificate of Deposit \| -	4%	₹75 Cr	7,500,000
Tata Capital Ltd 15-Dec-2026** Net Current Assets \| -	4%	₹74 Cr	7,500,000 ↑ 7,500,000
Rec Limited Commercial Paper \| -	3%	₹50 Cr	5,000,000
HDFC Bank Limited Certificate of Deposit \| -	3%	₹50 Cr	5,000,000
Punjab & Sind Bank 06-Nov-2026**# Net Current Assets \| -	3%	₹50 Cr	5,000,000 ↑ 5,000,000
Export-Import Bank Of India Certificate of Deposit \| -	3%	₹50 Cr	5,000,000

4. Axis Liquid Fund

To provide a high level of liquidity with reasonable returns commensurating with low risk through a portfolio of money market and debt securities. However there can be no assurance that the investment objective of the scheme will be achieved.

Research Highlights for Axis Liquid Fund

Upper mid AUM (₹53,470 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.44% (top quartile).
1M return: 0.45% (upper mid).
Sharpe: 3.18 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.37% (upper mid).
Modified duration: 0.14 yrs (bottom quartile).
Average maturity: 0.14 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding Clearing Corporation Of India Ltd (~18.2%).

Below is the key information for Axis Liquid Fund

Axis Liquid Fund Growth
Launch Date	9 Oct 09
NAV (30 Oct 26)	₹3,153.67 ↑ 0.74 (0.02 %)
Net Assets (Cr)	₹53,470 on 30 Sep 26
Category	Debt - Liquid Fund
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.22
Sharpe Ratio	3.18
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.37%
Effective Maturity	1 Month 19 Days
Modified Duration	1 Month 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,435
31 Oct 23	₹11,163
31 Oct 24	₹11,990
31 Oct 25	₹12,798
31 Oct 26	₹13,623

Axis Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Axis Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 26

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3.2%
1 Year	6.4%
3 Year	6.9%
5 Year	6.4%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.6%
2024	7.4%
2023	7.1%
2022	4.9%
2021	3.3%
2020	4.3%
2019	6.6%
2018	7.5%
2017	6.7%
2016	7.6%

Fund Manager information for Axis Liquid Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	13.91 Yr.
Aditya Pagaria	13 Aug 16	10.14 Yr.
Sachin Jain	3 Jul 23	3.25 Yr.

Data below for Axis Liquid Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	95.62%
Debt	4.15%
Other	0.24%

Debt Sector Allocation

Sector	Value
Cash Equivalent	82.15%
Government	9.84%
Corporate	7.78%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Clearing Corporation Of India Ltd CBLO \| -	18%	₹11,532 Cr
91 Days Tbill (Md 31/12/2026) Sovereign Bonds \| -	3%	₹2,088 Cr	211,212,500 ↓ -13,500,000
Small Industries Development Bank of India Commercial Paper \| -	3%	₹1,636 Cr	33,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	2%	₹1,488 Cr	30,000
Ntpc Limited (23/11/2026) ** Net Current Assets \| -	2%	₹1,217 Cr	24,500 ↑ 24,500
LIC Housing Finance Ltd. Commercial Paper \| -	2%	₹1,170 Cr	23,500
HDFC Bank Limited Certificate of Deposit \| -	2%	₹1,163 Cr	23,500
India (Republic of) - \| -	2%	₹1,000 Cr	100,500,000
Ntpc Limited Commercial Paper \| -	2%	₹996 Cr	20,000
Canara Bank Domestic Bonds \| -	2%	₹994 Cr	20,000

5. Invesco India Liquid Fund

To provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through a portfolio of money market and debt securities.

Research Highlights for Invesco India Liquid Fund

Lower mid AUM (₹22,395 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.39% (upper mid).
1M return: 0.44% (lower mid).
Sharpe: 3.08 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.35% (upper mid).
Modified duration: 0.13 yrs (lower mid).
Average maturity: 0.13 yrs (lower mid).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Triparty Repo (~4.1%).

Below is the key information for Invesco India Liquid Fund

Invesco India Liquid Fund Growth
Launch Date	17 Nov 06
NAV (30 Oct 26)	₹3,890.9 ↑ 0.93 (0.02 %)
Net Assets (Cr)	₹22,395 on 30 Sep 26
Category	Debt - Liquid Fund
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.22
Sharpe Ratio	3.08
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.35%
Effective Maturity	1 Month 17 Days
Modified Duration	1 Month 17 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,430
31 Oct 23	₹11,150
31 Oct 24	₹11,975
31 Oct 25	₹12,777
31 Oct 26	₹13,594

Invesco India Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Invesco India Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 26

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3.2%
1 Year	6.4%
3 Year	6.8%
5 Year	6.3%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.4%
2023	7%
2022	4.8%
2021	3.3%
2020	4.1%
2019	6.5%
2018	7.4%
2017	6.7%
2016	7.6%

Fund Manager information for Invesco India Liquid Fund

Name	Since	Tenure
Krishna Cheemalapati	25 Apr 11	15.45 Yr.
Kunal Jain	2 Apr 26	0.5 Yr.

Data below for Invesco India Liquid Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	99.81%
Other	0.19%

Debt Sector Allocation

Sector	Value
Cash Equivalent	82.3%
Corporate	15.54%
Government	1.97%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Triparty Repo CBLO/Reverse Repo \| -	4%	₹1,000 Cr
Small Industries Dev Bank Of India 2026 ** Net Current Assets \| -	3%	₹793 Cr	80,000,000 ↓ -20,000,000
Triparty Repo CBLO/Reverse Repo \| -	3%	₹724 Cr
Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited) Certificate of Deposit \| -	2%	₹591 Cr	60,000,000 ↑ 60,000,000
Bank Of Baroda Certificate of Deposit \| -	2%	₹573 Cr	57,500,000
Bank Of Baroda Certificate of Deposit \| -	2%	₹541 Cr	55,000,000 ↑ 55,000,000
Bank Of Baroda 2026 # Net Current Assets \| -	2%	₹499 Cr	50,000,000 ↑ 50,000,000
Bharat Petroleum Corporation Limited 2026 ** Net Current Assets \| -	2%	₹499 Cr	50,000,000
Canara Bank Domestic Bonds \| -	2%	₹497 Cr	50,000,000
Reliance Retail Ventures Limited 2026 ** Net Current Assets \| -	2%	₹496 Cr	50,000,000

6. Aditya Birla Sun Life Liquid Fund

(Erstwhile Aditya Birla Sun Life Cash Plus Fund)

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

Research Highlights for Aditya Birla Sun Life Liquid Fund

Highest AUM (₹61,167 Cr).
Established history (22+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.37% (upper mid).
1M return: 0.43% (bottom quartile).
Sharpe: 2.91 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.53% (top quartile).
Modified duration: 0.16 yrs (bottom quartile).
Average maturity: 0.16 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding Treps (~4.3%).

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

Aditya Birla Sun Life Liquid Fund Growth
Launch Date	30 Mar 04
NAV (30 Oct 26)	₹456.05 ↑ 0.11 (0.02 %)
Net Assets (Cr)	₹61,167 on 30 Sep 26
Category	Debt - Liquid Fund
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.35
Sharpe Ratio	2.91
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.53%
Effective Maturity	1 Month 28 Days
Modified Duration	1 Month 28 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,430
31 Oct 23	₹11,158
31 Oct 24	₹11,981
31 Oct 25	₹12,783
31 Oct 26	₹13,598

Aditya Birla Sun Life Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Aditya Birla Sun Life Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 26

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3.1%
1 Year	6.4%
3 Year	6.8%
5 Year	6.3%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.3%
2023	7.1%
2022	4.8%
2021	3.3%
2020	4.3%
2019	6.7%
2018	7.4%
2017	6.7%
2016	7.7%

Fund Manager information for Aditya Birla Sun Life Liquid Fund

Name	Since	Tenure
Sunaina Cunha	15 Jul 11	15.22 Yr.
Kaustubh Gupta	15 Jul 11	15.22 Yr.
Sanjay Pawar	1 Jul 22	4.25 Yr.

Data below for Aditya Birla Sun Life Liquid Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	96.95%
Debt	3.05%

Debt Sector Allocation

Sector	Value
Cash Equivalent	75.58%
Corporate	13.46%
Government	10.96%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps CBLO/Reverse Repo \| -	4%	₹3,497 Cr
Net Receivable / Payable Net Current Assets \| -	4%	-₹3,200 Cr
India (Republic of) - \| -	2%	₹1,575 Cr	158,000,000 ↓ -72,000,000
Reverse Repo Sovereign Bonds \| -	2%	₹1,451 Cr
Axis Bank Limited Certificate of Deposit \| -	2%	₹1,316 Cr	26,500
HDFC Bank Limited Certificate of Deposit \| -	2%	₹1,262 Cr	25,500
India (Republic of) - \| -	1%	₹1,150 Cr	115,500,000 ↓ -2,000,000
HDFC Bank Limited Certificate of Deposit \| -	1%	₹1,146 Cr	23,000
City Union Bank Limited Certificate of Deposit \| -	1%	₹1,138 Cr	23,000 ↑ 23,000
Hindustan Petroleum Corporation Ltd. (30/10/2026) ** Net Current Assets \| -	1%	₹1,097 Cr	22,000

7. Nippon India Liquid Fund

(Erstwhile Reliance Liquid Fund - Treasury Plan)

The investment objective of the scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

Research Highlights for Nippon India Liquid Fund

Upper mid AUM (₹40,490 Cr).
Established history (22+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.35% (lower mid).
1M return: 0.43% (bottom quartile).
Sharpe: 2.86 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 0.06% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).
Average maturity: 0.00 yrs (top quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding Reverse Repo (~5.5%).

Below is the key information for Nippon India Liquid Fund

Nippon India Liquid Fund Growth
Launch Date	9 Dec 03
NAV (30 Oct 26)	₹6,905.45 ↑ 1.59 (0.02 %)
Net Assets (Cr)	₹40,490 on 30 Sep 26
Category	Debt - Liquid Fund
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0
Sharpe Ratio	2.86
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	0.06%
Effective Maturity
Modified Duration

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,426
31 Oct 23	₹11,144
31 Oct 24	₹11,963
31 Oct 25	₹12,761
31 Oct 26	₹13,572

Nippon India Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Nippon India Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 26

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3.1%
1 Year	6.4%
3 Year	6.8%
5 Year	6.3%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.3%
2023	7%
2022	4.8%
2021	3.2%
2020	4.3%
2019	6.7%
2018	7.4%
2017	6.7%
2016	7.7%

Fund Manager information for Nippon India Liquid Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	8.36 Yr.
Vikash Agarwal	14 Sep 24	2.05 Yr.
Amber Singhania	11 Mar 26	0.56 Yr.

Data below for Nippon India Liquid Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	96.94%
Debt	2.88%
Other	0.18%

Debt Sector Allocation

Sector	Value
Cash Equivalent	86.3%
Government	8.11%
Corporate	5.41%

Credit Quality

Rating	Value
AA	0.6%
AAA	99.4%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reverse Repo CBLO/Reverse Repo \| -	5%	₹3,023 Cr
Triparty Repo CBLO/Reverse Repo \| -	4%	₹1,933 Cr
Canara Bank Certificate of Deposit \| -	3%	₹1,495 Cr	30,000 ↑ 30,000
Hdfc Bank Limited** Net Current Assets \| -	2%	₹1,237 Cr	25,000
91 Days Tbill Sovereign Bonds \| -	2%	₹1,183 Cr	120,000,000 ↑ 120,000,000
Tata Steel Limited** Net Current Assets \| -	2%	₹992 Cr	20,000 ↑ 20,000
Small Industries Development Bank of India Commercial Paper \| -	2%	₹992 Cr	20,000
India (Republic of) - \| -	2%	₹929 Cr	93,000,000 ↓ -24,000,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹847 Cr	17,000
Union Bank Of India Certificate of Deposit \| -	1%	₹822 Cr	16,500 ↑ 16,500

8. Tata Liquid Fund

(Erstwhile TATA Money Market Fund )

To create a highly liquid portfolio of money market instruments so as to provide reasonable returns and high liquidity to the unitholders.

Research Highlights for Tata Liquid Fund

Upper mid AUM (₹28,037 Cr).
Established history (22+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Low.
1Y return: 6.34% (lower mid).
1M return: 0.44% (upper mid).
Sharpe: 3.11 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.19% (lower mid).
Modified duration: 0.10 yrs (upper mid).
Average maturity: 0.10 yrs (upper mid).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~3.1%).

Below is the key information for Tata Liquid Fund

Tata Liquid Fund Growth
Launch Date	1 Sep 04
NAV (30 Oct 26)	₹4,456.36 ↑ 0.98 (0.02 %)
Net Assets (Cr)	₹28,037 on 30 Sep 26
Category	Debt - Liquid Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.36
Sharpe Ratio	3.11
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.19%
Effective Maturity	1 Month 7 Days
Modified Duration	1 Month 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,425
31 Oct 23	₹11,142
31 Oct 24	₹11,960
31 Oct 25	₹12,762
31 Oct 26	₹13,571

Tata Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Tata Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 26

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3.1%
1 Year	6.3%
3 Year	6.8%
5 Year	6.3%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.3%
2023	7%
2022	4.8%
2021	3.2%
2020	4.3%
2019	6.6%
2018	7.4%
2017	6.7%
2016	7.7%

Fund Manager information for Tata Liquid Fund

Name	Since	Tenure
Harsh Dave	1 Aug 24	2.17 Yr.
Dhawal Joshi	1 Jun 26	0.33 Yr.

Data below for Tata Liquid Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	99.8%
Other	0.2%

Debt Sector Allocation

Sector	Value
Cash Equivalent	78.81%
Government	14.05%
Corporate	6.94%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	3%	₹1,055 Cr	106,000,000
Union Bank Of India Certificate of Deposit \| -	3%	₹996 Cr	20,000 ↑ 20,000
** Treasury Bill 91 Days (31/12/2026) Sovereign Bonds \| -	3%	₹949 Cr	96,000,000 ↑ 96,000,000
Central Bank Of India Certificate of Deposit \| -	3%	₹947 Cr	19,000
** Treasury Bill 91 Days (10/12/2026) Sovereign Bonds \| -	2%	₹818 Cr	82,500,000 ↑ 82,500,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹773 Cr	15,500
** - Reliance Industries Ltd - Cp - 09/12/2026 Net Current Assets \| -	2%	₹768 Cr	15,500
YES Bank Ltd. Debentures \| -	2%	₹746 Cr	15,000
HDFC Securities Limited Commercial Paper \| -	2%	₹745 Cr	15,000
Canara Bank Certificate of Deposit \| -	2%	₹744 Cr	15,000 ↑ 15,000

9. ICICI Prudential Liquid Fund

(Erstwhile ICICI Prudential Liquid Plan)

To provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through investments made primarily in money market and debt securities.

Research Highlights for ICICI Prudential Liquid Fund

Top quartile AUM (₹55,340 Cr).
Established history (20+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Low.
1Y return: 6.32% (bottom quartile).
1M return: 0.44% (bottom quartile).
Sharpe: 2.88 (bottom quartile).
Information ratio: 1.20 (upper mid).
Yield to maturity (debt): 6.39% (upper mid).
Modified duration: 0.14 yrs (bottom quartile).
Average maturity: 0.15 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding 91 Days Treasury Bills (~5.5%).

Below is the key information for ICICI Prudential Liquid Fund

ICICI Prudential Liquid Fund Growth
Launch Date	17 Nov 05
NAV (30 Oct 26)	₹418.736 ↑ 0.10 (0.02 %)
Net Assets (Cr)	₹55,340 on 30 Sep 26
Category	Debt - Liquid Fund
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.3
Sharpe Ratio	2.88
Information Ratio	1.2
Alpha Ratio	-0.05
Min Investment	500
Min SIP Investment	99
Exit Load	NIL
Yield to Maturity	6.39%
Effective Maturity	1 Month 24 Days
Modified Duration	1 Month 20 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,424
31 Oct 23	₹11,141
31 Oct 24	₹11,965
31 Oct 25	₹12,763
31 Oct 26	₹13,569

ICICI Prudential Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for ICICI Prudential Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 26

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3.1%
1 Year	6.3%
3 Year	6.8%
5 Year	6.3%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.4%
2023	7%
2022	4.8%
2021	3.2%
2020	4.3%
2019	6.6%
2018	7.4%
2017	6.6%
2016	7.7%

Fund Manager information for ICICI Prudential Liquid Fund

Name	Since	Tenure
Nikhil Kabra	1 Dec 23	2.84 Yr.
Darshil Dedhia	12 Jun 23	3.31 Yr.

Data below for ICICI Prudential Liquid Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	93.7%
Debt	6.07%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	78.92%
Government	13.82%
Corporate	7.03%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
91 Days Treasury Bills Sovereign Bonds \| -	5%	₹3,754 Cr	378,500,000
Treps CBLO/Reverse Repo \| -	5%	₹3,337 Cr
India (Republic of) - \| -	3%	₹2,294 Cr	230,819,600
Nabard ** Net Current Assets \| -	3%	₹1,980 Cr	40,000
Reverse Repo CBLO/Reverse Repo \| -	3%	₹1,948 Cr
HDFC Bank Limited Certificate of Deposit \| -	2%	₹1,487 Cr	30,000 ↑ 30,000
Reliance Retail Ventures Ltd ** Net Current Assets \| -	2%	₹1,385 Cr	28,000 ↑ 28,000
Small Industries Development Bank Of India Commercial Paper \| -	2%	₹1,247 Cr	25,000
Reliance Retail Ventures Ltd ** Net Current Assets \| -	2%	₹1,194 Cr	24,000
India (Republic of) - \| -	2%	₹1,074 Cr	107,500,000 ↓ -26,500,000

10. Baroda Pioneer Liquid Fund

To generate income with a high level of liquidity by investing in a portfolio of money market and debt securities.

Research Highlights for Baroda Pioneer Liquid Fund

Lower mid AUM (₹12,914 Cr).
Established history (17+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Low.
1Y return: 6.32% (bottom quartile).
1M return: 0.44% (upper mid).
Sharpe: 3.06 (upper mid).
Information ratio: 0.75 (upper mid).
Yield to maturity (debt): 6.16% (lower mid).
Modified duration: 0.09 yrs (top quartile).
Average maturity: 0.09 yrs (top quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~93%).
High-quality debt (AAA/AA ~100%).
Largest holding Clearing Corporation Of India Ltd (~5.9%).

Below is the key information for Baroda Pioneer Liquid Fund

Baroda Pioneer Liquid Fund Growth
Launch Date	5 Feb 09
NAV (30 Oct 26)	₹3,251.71 ↑ 0.82 (0.03 %)
Net Assets (Cr)	₹12,914 on 30 Sep 26
Category	Debt - Liquid Fund
AMC	Baroda Pioneer Asset Management Co. Ltd.
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.28
Sharpe Ratio	3.06
Information Ratio	0.75
Alpha Ratio	-0.01
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.16%
Effective Maturity	1 Month 3 Days
Modified Duration	1 Month 3 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,436
31 Oct 23	₹11,161
31 Oct 24	₹11,977
31 Oct 25	₹12,769
31 Oct 26	₹13,576

Baroda Pioneer Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Baroda Pioneer Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 26

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3.1%
1 Year	6.3%
3 Year	6.7%
5 Year	6.3%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.4%
2024	7.3%
2023	7%
2022	4.9%
2021	3.3%
2020	4.1%
2019	6.6%
2018	7.5%
2017	6.7%
2016	7.8%

Fund Manager information for Baroda Pioneer Liquid Fund

Name	Since	Tenure
Prashant Pimple	16 Sep 26	0.04 Yr.
Vikram Pamnani	14 Mar 22	4.55 Yr.

Data below for Baroda Pioneer Liquid Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	93.01%
Debt	6.78%
Other	0.21%

Debt Sector Allocation

Sector	Value
Cash Equivalent	64.93%
Corporate	19.74%
Government	15.12%

Credit Quality

Rating	Value
AA	1.42%
AAA	98.58%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Clearing Corporation Of India Ltd CBLO/Reverse Repo \| -	6%	₹1,000 Cr
Clearing Corporation Of India Ltd CBLO/Reverse Repo \| -	6%	₹999 Cr
Clearing Corporation Of India Ltd CBLO/Reverse Repo \| -	5%	₹845 Cr
Net Receivables / (Payables) Net Current Assets \| -	3%	-₹563 Cr
Bank Of India Certificate of Deposit \| -	3%	₹495 Cr	10,000 ↑ 10,000
Kotak Mahindra Bank Limited Certificate of Deposit \| -	3%	₹470 Cr	9,500
India (Republic of) - \| -	3%	₹458 Cr	46,000,000
India (Republic of) - \| -	2%	₹400 Cr	40,000,000 ↑ 40,000,000
Axis Bank Ltd. Debentures \| -	2%	₹396 Cr	8,000 ↑ 2,000
Union Bank of India Debentures \| -	2%	₹323 Cr	6,500 ↑ 500

Disclaimer:
ഇവിടെ നൽകിയിരിക്കുന്ന വിവരങ്ങൾ കൃത്യമാണെന്ന് ഉറപ്പാക്കാൻ എല്ലാ ശ്രമങ്ങളും നടത്തിയിട്ടുണ്ട്. എന്നിരുന്നാലും, ഡാറ്റയുടെ കൃത്യത സംബന്ധിച്ച് യാതൊരു ഉറപ്പും നൽകുന്നില്ല. എന്തെങ്കിലും നിക്ഷേപം നടത്തുന്നതിന് മുമ്പ് സ്കീം വിവര രേഖ ഉപയോഗിച്ച് പരിശോധിക്കുക.