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लिक्विड म्युच्युअल फंड: कसे निवडावे?

Updated on September 1, 2025 , 2893 views

द्रवम्युच्युअल फंड मूलत: आहेतपैसा बाजार (कर्ज) निधी जे लहान कालावधीच्या पैशांमध्ये गुंतवणूक करतातबाजार ट्रेझरी बिले, मुदत ठेवी, ठेवींचे प्रमाणपत्र, व्यावसायिक कागदपत्रे इत्यादींसह साधने. साधारणपणे, लिक्विड म्युच्युअल फंड हे तुमचे पैसे लहान कालावधीसाठी गुंतवण्याचे पर्याय आहेत. ज्या सिक्युरिटीजचा भाग आहेतलिक्विड फंड 91 दिवसांपेक्षा कमी कालावधीची परिपक्वता आहे. लिक्विड फंडांना लॉक-इन कालावधी नसतो त्यामुळे गुंतवलेली मालमत्ता जास्त काळ बंधनकारक नसते, त्यामुळे तुमचे पैसे उपलब्ध राहतात. लिक्विड फंड रिटर्न्स अस्थिर असतात कारण ते वित्तीय बाजारातील फंडाच्या कामगिरीवर अवलंबून असतात. निवडणेसर्वोत्तम लिक्विड फंड हे एक कठीण काम आहे, तथापि, कोणीही त्यांचा न्याय करण्यासाठी विशिष्ट पॅरामीटर्स वापरू शकतो.

लिक्विड म्युच्युअल फंड निवडण्यासाठी वापरले जाणारे मूलभूत पॅरामीटर्स खालीलप्रमाणे आहेत:

  • परतावा किंवा मागील ट्रॅक रेकॉर्ड
  • पोर्टफोलिओ आणि मॅच्युरिटी प्रोफाइल
  • तरलता आणि निधीचा आकार
  • रेटिंग एजन्सीद्वारे कामगिरी रेटिंग

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1. लिक्विड फंड परतावा

विविध लिक्विड फंडांवरील परतावा पाहता:

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
BOI AXA Liquid Fund Growth ₹3,037.45
↑ 0.48
₹2,0020.51.53.377.45.64%1M 17D1M 17D
Axis Liquid Fund Growth ₹2,936.66
↑ 0.46
₹36,7570.51.53.377.45.85%1M 12D1M 15D
Indiabulls Liquid Fund Growth ₹2,550.7
↑ 0.40
₹3930.51.53.377.45.77%1M 10D1M 11D
Canara Robeco Liquid Growth ₹3,174.4
↑ 0.48
₹6,5770.51.43.36.97.45.76%1M 5D1M 7D
PGIM India Insta Cash Fund Growth ₹343.338
↑ 0.05
₹5130.51.53.36.97.35.81%1M 15D1M 17D
DSP Liquidity Fund Growth ₹3,765.29
↑ 0.58
₹22,2450.51.53.36.97.45.83%1M 13D1M 17D
Invesco India Liquid Fund Growth ₹3,624.97
↑ 0.54
₹14,2400.51.53.36.97.45.78%1M 9D1M 9D
Tata Liquid Fund Growth ₹4,153.86
↑ 0.65
₹22,9510.51.53.36.97.35.88%1M 15D1M 15D
Edelweiss Liquid Fund Growth ₹3,372.69
↑ 0.51
₹8,3230.51.53.36.97.35.76%1M 16D1M 16D
UTI Liquid Cash Plan Growth ₹4,326.66
↑ 0.69
₹29,0130.51.53.36.97.35.86%1M 13D1M 13D
Aditya Birla Sun Life Liquid Fund Growth ₹424.968
↑ 0.07
₹51,9130.51.53.36.97.35.89%1M 13D1M 13D
Mirae Asset Cash Management Fund Growth ₹2,765.53
↑ 0.44
₹13,6340.51.53.36.97.35.77%1M 6D1M 7D
Mahindra Liquid Fund Growth ₹1,716.18
↑ 0.27
₹1,0110.51.53.36.97.45.94%1M 10D1M 14D
Kotak Liquid Fund Growth ₹5,330.78
↑ 0.84
₹38,1760.51.53.36.97.35.93%1M 13D1M 13D
Nippon India Liquid Fund  Growth ₹6,436.31
↑ 1.02
₹35,3880.51.53.36.97.35.89%1M 10D1M 13D
ICICI Prudential Liquid Fund Growth ₹390.406
↑ 0.06
₹51,5930.51.43.36.97.45.86%1M 4D1M 7D
HDFC Liquid Fund Growth ₹5,174.25
↑ 0.79
₹67,3540.51.43.36.97.35.83%1M 14D1M 18D
LIC MF Liquid Fund Growth ₹4,767.03
↑ 0.74
₹11,1990.51.43.36.87.45.85%1M 12D1M 12D
Baroda Pioneer Liquid Fund Growth ₹3,031.74
↑ 0.48
₹11,8360.51.43.36.87.35.84%1M 9D1M 9D
Bandhan Cash Fund Growth ₹3,185.14
↑ 0.47
₹14,3910.51.43.26.87.35.75%1M 3D1M 3D
SBI Liquid Fund Growth ₹4,121.96
↑ 0.63
₹68,4430.51.43.36.87.35.8%1M 6D1M 10D
JM Liquid Fund Growth ₹71.9506
↑ 0.01
₹3,2250.51.43.36.87.25.77%1M 5D1M 7D
IIFL Liquid Fund Growth ₹2,029.98
↑ 0.32
₹9760.51.43.26.77.25.76%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 3 Sep 25

Research Highlights & Commentary of 25 Funds showcased

CommentaryBOI AXA Liquid FundAxis Liquid FundIndiabulls Liquid FundCanara Robeco Liquid PGIM India Insta Cash FundDSP Liquidity FundInvesco India Liquid FundTata Liquid FundEdelweiss Liquid FundUTI Liquid Cash PlanAditya Birla Sun Life Liquid FundMirae Asset Cash Management FundMahindra Liquid FundKotak Liquid FundNippon India Liquid Fund ICICI Prudential Liquid FundHDFC Liquid Fund LIC MF Liquid FundBaroda Pioneer Liquid FundBandhan Cash FundSBI Liquid FundJM Liquid FundIIFL Liquid FundIDBI Liquid FundSundaram Money Fund
Point 1Bottom quartile AUM (₹2,002 Cr).Top quartile AUM (₹36,757 Cr).Bottom quartile AUM (₹393 Cr).Lower mid AUM (₹6,577 Cr).Bottom quartile AUM (₹513 Cr).Upper mid AUM (₹22,245 Cr).Upper mid AUM (₹14,240 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).Lower mid AUM (₹13,634 Cr).Bottom quartile AUM (₹1,011 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).Lower mid AUM (₹11,836 Cr).Upper mid AUM (₹14,391 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 (17+ yrs).Established history (18+ yrs).Established history (19+ yrs).Established history (18+ yrs).Established history (21+ yrs).Established history (17+ yrs).Established history (21+ yrs).Established history (21+ yrs).Established history (16+ yrs).Established history (9+ yrs).Established history (21+ yrs).Established history (21+ yrs).Established history (19+ yrs).Established history (24+ yrs).Established history (23+ yrs).Established history (16+ yrs).Established history (17+ yrs).Established history (18+ yrs).Oldest track record among peers (27 yrs).Established history (11+ yrs).Established history (15+ yrs).Established history (19+ yrs).
Point 3Rating: 3★ (upper mid).Rating: 4★ (upper mid).Rating: 5★ (top quartile).Rating: 3★ (upper mid).Top rated.Rating: 3★ (bottom quartile).Rating: 4★ (upper mid).Rating: 4★ (top quartile).Rating: 2★ (bottom quartile).Rating: 3★ (lower mid).Rating: 4★ (top quartile).Rating: 2★ (bottom quartile).Not Rated.Rating: 3★ (lower mid).Rating: 4★ (upper mid).Rating: 4★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (lower mid).Rating: 4★ (top quartile).Rating: 3★ (bottom quartile).Rating: 3★ (bottom quartile).Rating: 5★ (top quartile).Not Rated.Rating: 3★ (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: 6.98% (top quartile).1Y return: 6.96% (top quartile).1Y return: 6.96% (top quartile).1Y return: 6.94% (top quartile).1Y return: 6.94% (top quartile).1Y return: 6.93% (top quartile).1Y return: 6.93% (upper mid).1Y return: 6.93% (upper mid).1Y return: 6.92% (upper mid).1Y return: 6.92% (upper mid).1Y return: 6.91% (upper mid).1Y return: 6.90% (upper mid).1Y return: 6.90% (lower mid).1Y return: 6.89% (lower mid).1Y return: 6.89% (lower mid).1Y return: 6.89% (lower mid).1Y return: 6.88% (lower mid).1Y return: 6.84% (lower mid).1Y return: 6.82% (bottom quartile).1Y return: 6.82% (bottom quartile).1Y return: 6.82% (bottom quartile).1Y return: 6.81% (bottom quartile).1Y return: 6.72% (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% (upper mid).1M return: 0.47% (top quartile).1M return: 0.47% (upper mid).1M return: 0.47% (upper mid).1M return: 0.47% (lower mid).1M return: 0.46% (lower mid).1M return: 0.47% (lower mid).1M return: 0.47% (top quartile).1M return: 0.47% (upper mid).1M return: 0.47% (top quartile).1M return: 0.47% (upper mid).1M return: 0.47% (top quartile).1M return: 0.47% (upper mid).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: 0.46% (bottom quartile).1M return: 0.46% (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: 3.31 (upper mid).Sharpe: 3.30 (upper mid).Sharpe: 4.00 (top quartile).Sharpe: 3.63 (top quartile).Sharpe: 3.33 (upper mid).Sharpe: 3.64 (top quartile).Sharpe: 3.22 (upper mid).Sharpe: 3.23 (upper mid).Sharpe: 3.62 (upper mid).Sharpe: 3.93 (top quartile).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: 2.93 (bottom quartile).Sharpe: 3.01 (lower mid).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: -0.08 (lower mid).Information ratio: -0.82 (lower mid).Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (lower mid).Information ratio: -0.86 (bottom quartile).Information ratio: -1.03 (bottom quartile).Information ratio: 0.00 (top quartile).Information ratio: -1.27 (bottom quartile).Information ratio: 0.00 (top 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): 5.76% (bottom quartile).Yield to maturity (debt): 5.81% (lower mid).Yield to maturity (debt): 5.83% (upper mid).Yield to maturity (debt): 5.78% (lower mid).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): 5.77% (lower mid).Yield to maturity (debt): 5.94% (top 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): 5.84% (upper mid).Yield to maturity (debt): 5.75% (bottom quartile).Yield to maturity (debt): 5.80% (lower mid).Yield to maturity (debt): 5.77% (bottom quartile).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: 0.10 yrs (top quartile).Modified duration: 0.13 yrs (bottom quartile).Modified duration: 0.12 yrs (bottom quartile).Modified duration: 0.11 yrs (upper mid).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: 0.10 yrs (upper mid).Modified duration: 0.11 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: 0.11 yrs (upper mid).Modified duration: 0.09 yrs (top quartile).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: 6.98% (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: 6.96% (top quartile).
  • 1M return: 0.47% (upper mid).
  • 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: 6.96% (top quartile).
  • 1M return: 0.47% (top quartile).
  • 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).

Canara Robeco Liquid

  • Lower mid AUM (₹6,577 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.94% (top quartile).
  • 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).

PGIM India Insta Cash Fund

  • Bottom quartile AUM (₹513 Cr).
  • Established history (18+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.94% (top quartile).
  • 1M return: 0.47% (upper 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).

DSP Liquidity Fund

  • Upper mid AUM (₹22,245 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.93% (top quartile).
  • 1M return: 0.47% (lower 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★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.93% (upper mid).
  • 1M return: 0.46% (lower mid).
  • Sharpe: 3.63 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.78% (lower mid).
  • Modified duration: 0.11 yrs (upper mid).

Tata Liquid Fund

  • Upper mid AUM (₹22,951 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.93% (upper mid).
  • 1M return: 0.47% (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: 6.92% (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: 6.92% (upper mid).
  • 1M return: 0.47% (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: 6.91% (upper mid).
  • 1M return: 0.47% (top quartile).
  • 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).

Mirae Asset Cash Management Fund

  • Lower mid AUM (₹13,634 Cr).
  • Established history (16+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.90% (upper mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.62 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.77% (lower mid).
  • Modified duration: 0.10 yrs (upper mid).

Mahindra Liquid Fund

  • Bottom quartile AUM (₹1,011 Cr).
  • Established history (9+ yrs).
  • Not Rated.
  • Risk profile: Low.
  • 1Y return: 6.90% (lower mid).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 3.93 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.94% (top quartile).
  • Modified duration: 0.11 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: 6.89% (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: 6.89% (lower mid).
  • 1M return: 0.46% (lower mid).
  • 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: 6.89% (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: 6.88% (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: 6.84% (lower mid).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.14 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.85% (upper mid).
  • Modified duration: 0.12 yrs (lower mid).

Baroda Pioneer Liquid Fund

  • Lower mid AUM (₹11,836 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.82% (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).

Bandhan Cash Fund

  • Upper mid AUM (₹14,391 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.82% (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).

SBI Liquid Fund

  • Highest AUM (₹68,443 Cr).
  • Established history (18+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.82% (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: 6.81% (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% (bottom quartile).
  • 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: 6.72% (bottom quartile).
  • 1M return: 0.46% (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% फंडांचा परतावा 7.25% ते 7.75% दरम्यान असतो. त्यामुळे लिक्विड फंडाचा परतावा अगदी जवळ आला आहेश्रेणी आणि जरी एखाद्याने "सर्वोत्तम लिक्विड फंड" निवडला नाही तरीही ते सर्वोच्च किंवा सरासरी परताव्यापासून फार दूर नाहीत.

2. लिक्विड म्युच्युअल फंडांचा पोर्टफोलिओ आणि मॅच्युरिटी प्रोफाइल

लिक्विड म्युच्युअल फंडाच्या पोर्टफोलिओमध्ये 91 दिवसांपेक्षा कमी कालावधीची अवशिष्ट परिपक्वता असलेल्या सिक्युरिटीज असतात. जरी एखादी व्यक्ती क्रेडिट गुणवत्तेबद्दल बोलू शकते (सोप्या शब्दात, पोर्टफोलिओमधील सिक्युरिटीज किती चांगल्या आहेत) आणि पोर्टफोलिओमध्ये फरक करण्याचा प्रयत्न करू शकतो, तथापि, वास्तविक अनुभव असा आहे की पोर्टफोलिओमध्ये काही अत्यंत वाईट गुणवत्तेच्या वास्तविक समस्या असल्याशिवाय. सिक्युरिटीज, लिक्विड फंड हा मुद्दा नसावा. आजपर्यंत कोणतीच माहिती मिळालेली नाहीडीफॉल्ट लिक्विड फंड पोर्टफोलिओमध्ये आणि कंपन्या सहसा शॉर्ट मॅच्युरिटी पेपर्सवर डीफॉल्ट करत नाहीत. तथापि, फंडाचा पोर्टफोलिओ वरील म्हटल्याने फंडाचे उत्पन्न आणि त्यानंतरच्या कामगिरीबद्दल कल्पना येईल. "मागील कार्यप्रदर्शन भविष्यातील कामगिरीचे सूचक नाही" असे अनेकदा म्हटले जाते आणि लिक्विड म्युच्युअल फंडांसाठी, जर एखाद्याने काही प्रक्षेपण करण्याचा प्रयत्न केला असेल तर त्यांना फक्त पोर्टफोलिओ पाहणे आवश्यक आहे. सिक्युरिटीजचे प्रकार (व्यावसायिक कागदपत्रे (सीपी), ठेवींचे प्रमाणपत्र (सीडी) इ.), क्रेडिट गुणवत्ता आणि उत्पन्न यावरून फंडाचा परतावा प्रोफाइल काय असू शकतो याची कल्पना येते. पोर्टफोलिओचा दर्जा हा लिक्विड फंडाच्या कामगिरीचा चांगला सूचक आहे. सर्व लिक्विड म्युच्युअल फंडांची मॅच्युरिटी साधारणतः दोन दिवसांची असते आणि 91 दिवसांपेक्षा खूपच कमी असते. बहुतेक प्रकरणांमध्ये ते समान आहे.

3. तरलता आणि निधीचा आकार

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
BOI AXA Liquid Fund Growth ₹3,037.45
↑ 0.48
₹2,0020.51.53.377.45.64%1M 17D1M 17D
Axis Liquid Fund Growth ₹2,936.66
↑ 0.46
₹36,7570.51.53.377.45.85%1M 12D1M 15D
Indiabulls Liquid Fund Growth ₹2,550.7
↑ 0.40
₹3930.51.53.377.45.77%1M 10D1M 11D
Canara Robeco Liquid Growth ₹3,174.4
↑ 0.48
₹6,5770.51.43.36.97.45.76%1M 5D1M 7D
PGIM India Insta Cash Fund Growth ₹343.338
↑ 0.05
₹5130.51.53.36.97.35.81%1M 15D1M 17D
DSP Liquidity Fund Growth ₹3,765.29
↑ 0.58
₹22,2450.51.53.36.97.45.83%1M 13D1M 17D
Invesco India Liquid Fund Growth ₹3,624.97
↑ 0.54
₹14,2400.51.53.36.97.45.78%1M 9D1M 9D
Tata Liquid Fund Growth ₹4,153.86
↑ 0.65
₹22,9510.51.53.36.97.35.88%1M 15D1M 15D
Edelweiss Liquid Fund Growth ₹3,372.69
↑ 0.51
₹8,3230.51.53.36.97.35.76%1M 16D1M 16D
UTI Liquid Cash Plan Growth ₹4,326.66
↑ 0.69
₹29,0130.51.53.36.97.35.86%1M 13D1M 13D
Aditya Birla Sun Life Liquid Fund Growth ₹424.968
↑ 0.07
₹51,9130.51.53.36.97.35.89%1M 13D1M 13D
Mirae Asset Cash Management Fund Growth ₹2,765.53
↑ 0.44
₹13,6340.51.53.36.97.35.77%1M 6D1M 7D
Mahindra Liquid Fund Growth ₹1,716.18
↑ 0.27
₹1,0110.51.53.36.97.45.94%1M 10D1M 14D
Kotak Liquid Fund Growth ₹5,330.78
↑ 0.84
₹38,1760.51.53.36.97.35.93%1M 13D1M 13D
Nippon India Liquid Fund  Growth ₹6,436.31
↑ 1.02
₹35,3880.51.53.36.97.35.89%1M 10D1M 13D
ICICI Prudential Liquid Fund Growth ₹390.406
↑ 0.06
₹51,5930.51.43.36.97.45.86%1M 4D1M 7D
HDFC Liquid Fund Growth ₹5,174.25
↑ 0.79
₹67,3540.51.43.36.97.35.83%1M 14D1M 18D
LIC MF Liquid Fund Growth ₹4,767.03
↑ 0.74
₹11,1990.51.43.36.87.45.85%1M 12D1M 12D
Baroda Pioneer Liquid Fund Growth ₹3,031.74
↑ 0.48
₹11,8360.51.43.36.87.35.84%1M 9D1M 9D
Bandhan Cash Fund Growth ₹3,185.14
↑ 0.47
₹14,3910.51.43.26.87.35.75%1M 3D1M 3D
SBI Liquid Fund Growth ₹4,121.96
↑ 0.63
₹68,4430.51.43.36.87.35.8%1M 6D1M 10D
JM Liquid Fund Growth ₹71.9506
↑ 0.01
₹3,2250.51.43.36.87.25.77%1M 5D1M 7D
IIFL Liquid Fund Growth ₹2,029.98
↑ 0.32
₹9760.51.43.26.77.25.76%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 3 Sep 25

Research Highlights & Commentary of 25 Funds showcased

CommentaryBOI AXA Liquid FundAxis Liquid FundIndiabulls Liquid FundCanara Robeco Liquid PGIM India Insta Cash FundDSP Liquidity FundInvesco India Liquid FundTata Liquid FundEdelweiss Liquid FundUTI Liquid Cash PlanAditya Birla Sun Life Liquid FundMirae Asset Cash Management FundMahindra Liquid FundKotak Liquid FundNippon India Liquid Fund ICICI Prudential Liquid FundHDFC Liquid Fund LIC MF Liquid FundBaroda Pioneer Liquid FundBandhan Cash FundSBI Liquid FundJM Liquid FundIIFL Liquid FundIDBI Liquid FundSundaram Money Fund
Point 1Bottom quartile AUM (₹2,002 Cr).Top quartile AUM (₹36,757 Cr).Bottom quartile AUM (₹393 Cr).Lower mid AUM (₹6,577 Cr).Bottom quartile AUM (₹513 Cr).Upper mid AUM (₹22,245 Cr).Upper mid AUM (₹14,240 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).Lower mid AUM (₹13,634 Cr).Bottom quartile AUM (₹1,011 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).Lower mid AUM (₹11,836 Cr).Upper mid AUM (₹14,391 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 (17+ yrs).Established history (18+ yrs).Established history (19+ yrs).Established history (18+ yrs).Established history (21+ yrs).Established history (17+ yrs).Established history (21+ yrs).Established history (21+ yrs).Established history (16+ yrs).Established history (9+ yrs).Established history (21+ yrs).Established history (21+ yrs).Established history (19+ yrs).Established history (24+ yrs).Established history (23+ yrs).Established history (16+ yrs).Established history (17+ yrs).Established history (18+ yrs).Oldest track record among peers (27 yrs).Established history (11+ yrs).Established history (15+ yrs).Established history (19+ yrs).
Point 3Rating: 3★ (upper mid).Rating: 4★ (upper mid).Rating: 5★ (top quartile).Rating: 3★ (upper mid).Top rated.Rating: 3★ (bottom quartile).Rating: 4★ (upper mid).Rating: 4★ (top quartile).Rating: 2★ (bottom quartile).Rating: 3★ (lower mid).Rating: 4★ (top quartile).Rating: 2★ (bottom quartile).Not Rated.Rating: 3★ (lower mid).Rating: 4★ (upper mid).Rating: 4★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (lower mid).Rating: 4★ (top quartile).Rating: 3★ (bottom quartile).Rating: 3★ (bottom quartile).Rating: 5★ (top quartile).Not Rated.Rating: 3★ (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: 6.98% (top quartile).1Y return: 6.96% (top quartile).1Y return: 6.96% (top quartile).1Y return: 6.94% (top quartile).1Y return: 6.94% (top quartile).1Y return: 6.93% (top quartile).1Y return: 6.93% (upper mid).1Y return: 6.93% (upper mid).1Y return: 6.92% (upper mid).1Y return: 6.92% (upper mid).1Y return: 6.91% (upper mid).1Y return: 6.90% (upper mid).1Y return: 6.90% (lower mid).1Y return: 6.89% (lower mid).1Y return: 6.89% (lower mid).1Y return: 6.89% (lower mid).1Y return: 6.88% (lower mid).1Y return: 6.84% (lower mid).1Y return: 6.82% (bottom quartile).1Y return: 6.82% (bottom quartile).1Y return: 6.82% (bottom quartile).1Y return: 6.81% (bottom quartile).1Y return: 6.72% (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% (upper mid).1M return: 0.47% (top quartile).1M return: 0.47% (upper mid).1M return: 0.47% (upper mid).1M return: 0.47% (lower mid).1M return: 0.46% (lower mid).1M return: 0.47% (lower mid).1M return: 0.47% (top quartile).1M return: 0.47% (upper mid).1M return: 0.47% (top quartile).1M return: 0.47% (upper mid).1M return: 0.47% (top quartile).1M return: 0.47% (upper mid).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: 0.46% (bottom quartile).1M return: 0.46% (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: 3.31 (upper mid).Sharpe: 3.30 (upper mid).Sharpe: 4.00 (top quartile).Sharpe: 3.63 (top quartile).Sharpe: 3.33 (upper mid).Sharpe: 3.64 (top quartile).Sharpe: 3.22 (upper mid).Sharpe: 3.23 (upper mid).Sharpe: 3.62 (upper mid).Sharpe: 3.93 (top quartile).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: 2.93 (bottom quartile).Sharpe: 3.01 (lower mid).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: -0.08 (lower mid).Information ratio: -0.82 (lower mid).Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (lower mid).Information ratio: -0.86 (bottom quartile).Information ratio: -1.03 (bottom quartile).Information ratio: 0.00 (top quartile).Information ratio: -1.27 (bottom quartile).Information ratio: 0.00 (top 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): 5.76% (bottom quartile).Yield to maturity (debt): 5.81% (lower mid).Yield to maturity (debt): 5.83% (upper mid).Yield to maturity (debt): 5.78% (lower mid).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): 5.77% (lower mid).Yield to maturity (debt): 5.94% (top 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): 5.84% (upper mid).Yield to maturity (debt): 5.75% (bottom quartile).Yield to maturity (debt): 5.80% (lower mid).Yield to maturity (debt): 5.77% (bottom quartile).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: 0.10 yrs (top quartile).Modified duration: 0.13 yrs (bottom quartile).Modified duration: 0.12 yrs (bottom quartile).Modified duration: 0.11 yrs (upper mid).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: 0.10 yrs (upper mid).Modified duration: 0.11 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: 0.11 yrs (upper mid).Modified duration: 0.09 yrs (top quartile).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: 6.98% (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: 6.96% (top quartile).
  • 1M return: 0.47% (upper mid).
  • 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: 6.96% (top quartile).
  • 1M return: 0.47% (top quartile).
  • 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).

Canara Robeco Liquid

  • Lower mid AUM (₹6,577 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.94% (top quartile).
  • 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).

PGIM India Insta Cash Fund

  • Bottom quartile AUM (₹513 Cr).
  • Established history (18+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.94% (top quartile).
  • 1M return: 0.47% (upper 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).

DSP Liquidity Fund

  • Upper mid AUM (₹22,245 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.93% (top quartile).
  • 1M return: 0.47% (lower 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★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.93% (upper mid).
  • 1M return: 0.46% (lower mid).
  • Sharpe: 3.63 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.78% (lower mid).
  • Modified duration: 0.11 yrs (upper mid).

Tata Liquid Fund

  • Upper mid AUM (₹22,951 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.93% (upper mid).
  • 1M return: 0.47% (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: 6.92% (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: 6.92% (upper mid).
  • 1M return: 0.47% (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: 6.91% (upper mid).
  • 1M return: 0.47% (top quartile).
  • 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).

Mirae Asset Cash Management Fund

  • Lower mid AUM (₹13,634 Cr).
  • Established history (16+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.90% (upper mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.62 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.77% (lower mid).
  • Modified duration: 0.10 yrs (upper mid).

Mahindra Liquid Fund

  • Bottom quartile AUM (₹1,011 Cr).
  • Established history (9+ yrs).
  • Not Rated.
  • Risk profile: Low.
  • 1Y return: 6.90% (lower mid).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 3.93 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.94% (top quartile).
  • Modified duration: 0.11 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: 6.89% (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: 6.89% (lower mid).
  • 1M return: 0.46% (lower mid).
  • 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: 6.89% (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: 6.88% (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: 6.84% (lower mid).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.14 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.85% (upper mid).
  • Modified duration: 0.12 yrs (lower mid).

Baroda Pioneer Liquid Fund

  • Lower mid AUM (₹11,836 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.82% (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).

Bandhan Cash Fund

  • Upper mid AUM (₹14,391 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.82% (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).

SBI Liquid Fund

  • Highest AUM (₹68,443 Cr).
  • Established history (18+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.82% (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: 6.81% (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% (bottom quartile).
  • 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: 6.72% (bottom quartile).
  • 1M return: 0.46% (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).

लिक्विड म्युच्युअल फंड हे करू शकतात की नाही हे पाहण्यासाठी व्यक्ती आणि कॉर्पोरेट्समधील मालमत्ता ब्रेकअप काहीसे महत्त्वाचे आहेहाताळा मोठ्या विमोचन. मोठ्या विमोचन (कधीकधी 100 किंवा 1000 कोटींचे कॉर्पोरेट्स देखील करू शकतात) पोर्टफोलिओवर दबाव आणू शकतात. तरलता संकटाच्या वेळी, एवढ्या मोठ्या प्रमाणात खरेदीदार शोधणे कठीण होईल.

खरेतर, पोर्टफोलिओचा किंमतीवर परिणाम होणार नाही याची खात्री करण्यासाठी, लिक्विड फंड मार्ककडून बाजाराकडे जमा केले गेले.हिशेब 2008 मध्ये लेहमन संकटानंतर.

तसेच, निधीचा आकार येथे गुंतवणूकदारांचे संरक्षण करतोविमोचन पासून दबावसेबी एखाद्या योजनेत सर्वाधिक वैयक्तिक होल्डिंग 20% पेक्षा जास्त असू शकत नाही असा नियम आहे. त्यामुळे बहुतांश योजनांना काही प्रमाणात संरक्षण दिले जाईल.

शीर्ष 5 लिक्विड फंड

2022 साठी सर्वोत्तम कामगिरी करणारे लिक्विड फंड आहेत-

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
BOI AXA Liquid Fund Growth ₹3,037.45
↑ 0.48
₹2,0020.51.53.377.45.64%1M 17D1M 17D
Axis Liquid Fund Growth ₹2,936.66
↑ 0.46
₹36,7570.51.53.377.45.85%1M 12D1M 15D
Indiabulls Liquid Fund Growth ₹2,550.7
↑ 0.40
₹3930.51.53.377.45.77%1M 10D1M 11D
Canara Robeco Liquid Growth ₹3,174.4
↑ 0.48
₹6,5770.51.43.36.97.45.76%1M 5D1M 7D
PGIM India Insta Cash Fund Growth ₹343.338
↑ 0.05
₹5130.51.53.36.97.35.81%1M 15D1M 17D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryBOI AXA Liquid FundAxis Liquid FundIndiabulls Liquid FundCanara Robeco Liquid PGIM India Insta Cash Fund
Point 1Lower mid AUM (₹2,002 Cr).Highest AUM (₹36,757 Cr).Bottom quartile AUM (₹393 Cr).Upper mid AUM (₹6,577 Cr).Bottom quartile AUM (₹513 Cr).
Point 2Established history (17+ yrs).Established history (15+ yrs).Established history (13+ yrs).Established history (17+ yrs).Oldest track record among peers (18 yrs).
Point 3Rating: 3★ (bottom quartile).Rating: 4★ (lower mid).Top rated.Rating: 3★ (bottom quartile).Rating: 5★ (upper mid).
Point 4Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.
Point 51Y return: 6.98% (top quartile).1Y return: 6.96% (upper mid).1Y return: 6.96% (lower mid).1Y return: 6.94% (bottom quartile).1Y return: 6.94% (bottom quartile).
Point 61M return: 0.47% (upper mid).1M return: 0.47% (lower mid).1M return: 0.47% (top quartile).1M return: 0.47% (bottom quartile).1M return: 0.47% (bottom quartile).
Point 7Sharpe: 4.36 (top quartile).Sharpe: 3.64 (upper mid).Sharpe: 3.05 (bottom quartile).Sharpe: 3.31 (lower mid).Sharpe: 3.30 (bottom quartile).
Point 8Information ratio: 0.52 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: -1.37 (bottom quartile).Information ratio: -0.08 (lower mid).Information ratio: -0.82 (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% (lower mid).Yield to maturity (debt): 5.76% (bottom quartile).Yield to maturity (debt): 5.81% (upper 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: 0.10 yrs (top quartile).Modified duration: 0.13 yrs (bottom quartile).

BOI AXA Liquid Fund

  • Lower mid AUM (₹2,002 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.98% (top quartile).
  • 1M return: 0.47% (upper mid).
  • 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★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.96% (upper mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.64 (upper 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: 6.96% (lower mid).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 3.05 (bottom quartile).
  • Information ratio: -1.37 (bottom quartile).
  • Yield to maturity (debt): 5.77% (lower mid).
  • Modified duration: 0.11 yrs (upper mid).

Canara Robeco Liquid

  • Upper mid AUM (₹6,577 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.94% (bottom quartile).
  • 1M return: 0.47% (bottom quartile).
  • Sharpe: 3.31 (lower mid).
  • Information ratio: -0.08 (lower mid).
  • Yield to maturity (debt): 5.76% (bottom quartile).
  • Modified duration: 0.10 yrs (top quartile).

PGIM India Insta Cash Fund

  • Bottom quartile AUM (₹513 Cr).
  • Oldest track record among peers (18 yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.94% (bottom quartile).
  • 1M return: 0.47% (bottom quartile).
  • Sharpe: 3.30 (bottom quartile).
  • Information ratio: -0.82 (bottom quartile).
  • Yield to maturity (debt): 5.81% (upper mid).
  • Modified duration: 0.13 yrs (bottom quartile).

4. लिक्विड म्युच्युअल फंडाचे कार्यप्रदर्शन रेटिंग

वर्तमान पोर्टफोलिओ आणि भविष्यातील दृष्टीकोन लक्षात घेतल्याशिवाय कार्यप्रदर्शन रेटिंग उद्याच्या विजेत्यांना पराभूत झालेल्यांपासून वेगळे करू शकणार नाही. त्यामुळे, मागास-दिसणाऱ्या रेटिंगवरून भूतकाळातील कामगिरीची कल्पना येऊ शकते, परंतु फंडाची निवड रद्द करण्यासाठी एक उपाय म्हणून कोणीही याचा वापर करू शकतो.

निष्कर्ष

लिक्विड म्युच्युअल फंड शोधत असताना अनेक घटकांकडे लक्ष देणे आवश्यक आहे आणि नंतर संबंधित फंड निवडणे आवश्यक आहे.

अस्वीकरण: गुंतवणुकीचा कोणताही निर्णय घेण्यापूर्वी कृपया तुमच्या सल्लागाराचा सल्ला घ्या आणि स्वतंत्र संशोधन करा.

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येथे प्रदान केलेली माहिती अचूक असल्याची खात्री करण्यासाठी सर्व प्रयत्न केले गेले आहेत. तथापि, डेटाच्या अचूकतेबद्दल कोणतीही हमी दिली जात नाही. कृपया कोणतीही गुंतवणूक करण्यापूर्वी योजना माहिती दस्तऐवजासह सत्यापित करा.
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