SIP 2022-നുള്ള 5 മികച്ച പ്രകടനം നടത്തുന്ന ലിക്വിഡ് ഫണ്ടുകൾ

Updated on October 29, 2026 , 10524 views

ലിക്വിഡ് ഫണ്ടുകൾ ഏറ്റവും സുരക്ഷിതമായ വിഭാഗമായി കണക്കാക്കപ്പെടുന്നുകടം മ്യൂച്വൽ ഫണ്ട് അവർക്ക് ഏറ്റവും കുറഞ്ഞ പലിശ നിരക്കും ക്രെഡിറ്റ് റിസ്കും ഉള്ളതിനാൽ. 91 ദിവസം വരെ കാലാവധിയുള്ള ഡെറ്റ് സെക്യൂരിറ്റികളിൽ ലിക്വിഡ് ഫണ്ടുകൾ നിക്ഷേപിക്കുന്നു. ഈ ഫണ്ടുകളേക്കാൾ മികച്ച വരുമാനം വാഗ്ദാനം ചെയ്യുന്നുബാങ്ക് സേവിംഗ്സ് അക്കൗണ്ട്. ബാങ്ക് അക്കൗണ്ടുകളുടെ 4% പലിശ നിരക്കുമായി താരതമ്യപ്പെടുത്തുമ്പോൾ, ലിക്വിഡ്മ്യൂച്വൽ ഫണ്ടുകൾ ഏകദേശം 7% റിട്ടേണുകൾ വാഗ്ദാനം ചെയ്യുന്നു. കൂടാതെ, ലിക്വിഡ് ഫണ്ടുകൾ വളരെ ദ്രാവകമാണ്, ഒരാൾക്ക് അവരുടെ ഫണ്ടുകൾ ഒരു ദിവസത്തിനുള്ളിൽ റിഡീം ചെയ്യാൻ കഴിയും. നിക്ഷേപകർക്ക് അവരുടെ മിച്ച തുക നല്ല വരുമാനം നേടുന്നതിന് നിക്ഷേപിക്കാം അല്ലെങ്കിൽ അവരുടെ ഹ്രസ്വകാല നേട്ടത്തിനായി നിക്ഷേപിക്കാംസാമ്പത്തിക ലക്ഷ്യങ്ങൾ. ഉദാഹരണത്തിന്, ഒരാൾക്ക് ഒരു ഗാഡ്ജെറ്റ് വാങ്ങണമെങ്കിൽ അല്ലെങ്കിൽ ഒരു ചെറിയ യാത്ര പ്ലാൻ ചെയ്യണമെങ്കിൽ. മികച്ച വരുമാനത്തിനായി, നിക്ഷേപകർക്ക് മുൻകൂട്ടി ലിസ്റ്റ് ചെയ്തിട്ടുള്ള ഈ ലിക്വിഡ് ഫണ്ടുകളിൽ എ വഴി നിക്ഷേപിക്കാംഎസ്.ഐ.പി. അവരുടെ ഏറ്റവും പുതിയ പ്രകടനങ്ങളും റിട്ടേണുകളും നോക്കാം!

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FY 22 - 23 SIP നിക്ഷേപങ്ങൾക്കായുള്ള മികച്ച 5 മികച്ച പ്രകടനം നടത്തുന്ന ലിക്വിഡ് ഫണ്ടുകൾ

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
IDBI Liquid Fund Growth	₹2,454.04 ↑ 0.35	₹503	500	1.7	3.4	6.6	4.5	5.3
BOI AXA Liquid Fund Growth	₹3,262.06 ↑ 0.74	₹1,874	1,000	1.5	3.2	6.4	6.9	6.4	6.6
Indiabulls Liquid Fund Growth	₹2,737.58 ↑ 0.57	₹301	500	1.5	3.2	6.4	6.8	6.2	6.6
LIC MF Liquid Fund Growth	₹5,114.64 ↑ 1.17	₹12,872	1,000	1.5	3.1	6.4	6.8	6.3	6.4
Nippon India Liquid Fund Growth	₹6,905.45 ↑ 1.59	₹40,490	100	1.5	3.1	6.4	6.8	6.3	6.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23

Research Highlights & Commentary of 5 Funds showcased

Commentary	IDBI Liquid Fund	BOI AXA Liquid Fund	Indiabulls Liquid Fund	LIC MF Liquid Fund	Nippon India Liquid Fund
Point 1	Bottom quartile AUM (₹503 Cr).	Lower mid AUM (₹1,874 Cr).	Bottom quartile AUM (₹301 Cr).	Upper mid AUM (₹12,872 Cr).	Highest AUM (₹40,490 Cr).
Point 2	Established history (16+ yrs).	Established history (18+ yrs).	Established history (15+ yrs).	Oldest track record among peers (24 yrs).	Established history (22+ yrs).
Point 3	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Top rated.	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.55% (top quartile).	1Y return: 6.44% (upper mid).	1Y return: 6.38% (lower mid).	1Y return: 6.35% (bottom quartile).	1Y return: 6.35% (bottom quartile).
Point 6	1M return: 0.53% (top quartile).	1M return: 0.46% (lower mid).	1M return: 0.47% (upper mid).	1M return: 0.45% (bottom quartile).	1M return: 0.43% (bottom quartile).
Point 7	Sharpe: 0.20 (bottom quartile).	Sharpe: 3.52 (top quartile).	Sharpe: 3.19 (upper mid).	Sharpe: 2.86 (bottom quartile).	Sharpe: 2.86 (lower mid).
Point 8	Information ratio: -5.96 (bottom quartile).	Information ratio: 2.55 (top quartile).	Information ratio: 1.47 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.66% (upper mid).	Yield to maturity (debt): 6.09% (bottom quartile).	Yield to maturity (debt): 6.40% (lower mid).	Yield to maturity (debt): 6.68% (top quartile).	Yield to maturity (debt): 0.06% (bottom quartile).
Point 10	Modified duration: 0.10 yrs (upper mid).	Modified duration: 0.13 yrs (lower mid).	Modified duration: 0.13 yrs (bottom quartile).	Modified duration: 0.15 yrs (bottom quartile).	Modified duration: 0.00 yrs (top quartile).

IDBI Liquid Fund

Bottom quartile AUM (₹503 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.55% (top quartile).
1M return: 0.53% (top quartile).
Sharpe: 0.20 (bottom quartile).
Information ratio: -5.96 (bottom quartile).
Yield to maturity (debt): 6.66% (upper mid).
Modified duration: 0.10 yrs (upper mid).

BOI AXA Liquid Fund

Lower mid AUM (₹1,874 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.44% (upper mid).
1M return: 0.46% (lower mid).
Sharpe: 3.52 (top quartile).
Information ratio: 2.55 (top quartile).
Yield to maturity (debt): 6.09% (bottom quartile).
Modified duration: 0.13 yrs (lower mid).

Indiabulls Liquid Fund

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

LIC MF Liquid Fund

Upper mid AUM (₹12,872 Cr).
Oldest track record among peers (24 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.35% (bottom quartile).
1M return: 0.45% (bottom quartile).
Sharpe: 2.86 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.68% (top quartile).
Modified duration: 0.15 yrs (bottom quartile).

Nippon India Liquid Fund

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

*മുകളിൽ മികച്ചവയുടെ ലിസ്റ്റ്ദ്രാവക ഫണ്ടുകൾക്ക് മുകളിൽ AUM/നെറ്റ് അസറ്റുകൾ ഉണ്ട്100 കോടി. ക്രമീകരിച്ചുകഴിഞ്ഞ 1 വർഷത്തെ റിട്ടേൺ.

1. IDBI Liquid Fund

The investment objective of the Scheme will be to provide investors with high level of liquidity along with regular income for their investment. The Scheme will endeavour to achieve this objective through an allocation of the investment corpus in a low risk portfolio of money market and debt instruments with maturity of up to 91 days. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for IDBI Liquid Fund

Bottom quartile AUM (₹503 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.55% (top quartile).
1M return: 0.53% (top quartile).
Sharpe: 0.20 (bottom quartile).
Information ratio: -5.96 (bottom quartile).
Yield to maturity (debt): 6.66% (upper mid).
Modified duration: 0.10 yrs (upper mid).
Average maturity: 0.11 yrs (upper mid).
Exit load: NIL.

Below is the key information for IDBI Liquid Fund

IDBI Liquid Fund Growth
Launch Date	9 Jul 10
NAV (28 Jul 23)	₹2,454.04 ↑ 0.35 (0.01 %)
Net Assets (Cr)	₹503 on 30 Jun 23
Category	Debt - Liquid Fund
AMC	IDBI Asset Management Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.17
Sharpe Ratio	0.2
Information Ratio	-5.96
Alpha Ratio	-0.21
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.66%
Effective Maturity	1 Month 10 Days
Modified Duration	1 Month 7 Days

Growth of 10,000 investment over the years.

Date	Value

IDBI Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for IDBI 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 28 Jul 23

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.4%
1 Year	6.6%
3 Year	4.5%
5 Year	5.3%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

Fund Manager information for IDBI Liquid Fund

Name	Since	Tenure

Data below for IDBI Liquid Fund as on 30 Jun 23

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. BOI AXA Liquid Fund

Objective The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments. However there can be no assurance that the investment objectives of the Scheme will be realized.

Research Highlights for BOI AXA Liquid Fund

Lower mid AUM (₹1,874 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.44% (upper mid).
1M return: 0.46% (lower mid).
Sharpe: 3.52 (top quartile).
Information ratio: 2.55 (top quartile).
Yield to maturity (debt): 6.09% (bottom 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 National Bank For Agriculture And Rural Development (~5.8%).

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund Growth
Launch Date	16 Jul 08
NAV (30 Oct 26)	₹3,262.06 ↑ 0.74 (0.02 %)
Net Assets (Cr)	₹1,874 on 30 Sep 26
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.13
Sharpe Ratio	3.52
Information Ratio	2.55
Alpha Ratio	0.11
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.09%
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	₹10,439
31 Oct 23	₹11,168
31 Oct 24	₹12,001
31 Oct 25	₹12,812
31 Oct 26	₹13,637

BOI AXA 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 BOI AXA 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 28 Jul 23

Duration	Returns
1 Month	0.5%
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	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.6%
2024	7.4%
2023	7%
2022	4.9%
2021	3.3%
2020	4.1%
2019	6.4%
2018	7.4%
2017	6.7%
2016	7.6%

Fund Manager information for BOI AXA Liquid Fund

Name	Since	Tenure
Mithraem Bharucha	17 Aug 21	5.13 Yr.

Data below for BOI AXA Liquid Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	99.7%
Other	0.3%

Debt Sector Allocation

Sector	Value
Cash Equivalent	45.61%
Corporate	36.47%
Government	17.61%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Certificate of Deposit \| -	6%	₹149 Cr	15,000,000
Repo CBLO/Reverse Repo \| -	6%	₹149 Cr
Small Industries Development Bank Of India Certificate of Deposit \| -	4%	₹100 Cr	10,000,000
Axis Bank Limited Certificate of Deposit \| -	4%	₹99 Cr	10,000,000
Union Bank Of India Certificate of Deposit \| -	3%	₹75 Cr	7,500,000 ↑ 7,500,000
India (Republic of) - \| -	3%	₹75 Cr	7,500,000
26/11/2026 Maturing 364 DTB Sovereign Bonds \| -	3%	₹75 Cr	7,500,000
Aditya Birla Housing Finance Ltd. Commercial Paper \| -	3%	₹75 Cr	7,500,000
Canara Bank Domestic Bonds \| -	3%	₹74 Cr	7,500,000
Indian Bank Certificate of Deposit \| -	3%	₹74 Cr	7,500,000

3. 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).
Top rated.
Risk profile: Low.
1Y return: 6.38% (lower mid).
1M return: 0.47% (upper mid).
Sharpe: 3.19 (upper mid).
Information ratio: 1.47 (upper mid).
Yield to maturity (debt): 6.40% (lower mid).
Modified duration: 0.13 yrs (bottom quartile).
Average maturity: 0.13 yrs (bottom quartile).
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 28 Jul 23

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

4. LIC MF Liquid Fund

An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through a judicious mix of investment in money market instruments and quality debt instruments. However, there is no assurance that the investment objective of the Scheme will be realised.

Research Highlights for LIC MF Liquid Fund

Upper mid AUM (₹12,872 Cr).
Oldest track record among peers (24 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.35% (bottom quartile).
1M return: 0.45% (bottom quartile).
Sharpe: 2.86 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.68% (top quartile).
Modified duration: 0.15 yrs (bottom quartile).
Average maturity: 0.15 yrs (bottom quartile).
Exit load: NIL.
Top sector: Consumer Defensive.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Treps (~14.0%).

Below is the key information for LIC MF Liquid Fund

LIC MF Liquid Fund Growth
Launch Date	11 Mar 02
NAV (30 Oct 26)	₹5,114.64 ↑ 1.17 (0.02 %)
Net Assets (Cr)	₹12,872 on 30 Sep 26
Category	Debt - Liquid Fund
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	2.86
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.68%
Effective Maturity	1 Month 23 Days
Modified Duration	1 Month 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,422
31 Oct 23	₹11,136
31 Oct 24	₹11,963
31 Oct 25	₹12,753
31 Oct 26	₹13,563

LIC MF 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 LIC MF 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 28 Jul 23

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	6.4%
2024	7.4%
2023	7%
2022	4.7%
2021	3.3%
2020	4.3%
2019	6.5%
2018	7.3%
2017	6.6%
2016	7.6%

Fund Manager information for LIC MF Liquid Fund

Name	Since	Tenure
Rahul Singh	5 Oct 15	11 Yr.
Aakash Dhulia	1 Sep 25	1.08 Yr.

Data below for LIC MF 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	85.94%
Government	7.78%
Corporate	6.08%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps CBLO/Reverse Repo \| -	14%	₹2,448 Cr
Bank of Baroda Debentures \| -	4%	₹741 Cr	15,000 ↑ 15,000
India (Republic of) - \| -	3%	₹574 Cr	57,500,000
Power Finance Corp Ltd. Commercial Paper \| -	3%	₹547 Cr	11,000 ↑ 1,000
Reverse Repo CBLO/Reverse Repo \| -	3%	₹546 Cr
Motilal Oswal Financial Services Ltd. ** Net Current Assets \| -	3%	₹499 Cr	10,000
Grasim Industries Ltd. ** Net Current Assets \| -	3%	₹497 Cr	10,000
Bank Of India Certificate of Deposit \| -	3%	₹495 Cr	10,000 ↑ 10,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹421 Cr	8,500 ↑ 500
Reliance Retail Ventures Ltd. ** Net Current Assets \| -	2%	₹398 Cr	8,000

5. 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

Highest AUM (₹40,490 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.35% (bottom quartile).
1M return: 0.43% (bottom quartile).
Sharpe: 2.86 (lower mid).
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 28 Jul 23

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

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.