SIP 2022 साठी 5 सर्वोत्तम कामगिरी करणारे लिक्विड फंड

Updated on August 20, 2025 , 9604 views

लिक्विड फंड ची सर्वात सुरक्षित श्रेणी मानली जातेडेट म्युच्युअल फंड कारण त्यांच्याकडे सर्वात कमी व्याजदर आणि क्रेडिट जोखीम आहे. लिक्विड फंड 91 दिवसांपर्यंत मुदतपूर्ती असलेल्या डेट सिक्युरिटीजमध्ये गुंतवणूक करतात. हे फंड पेक्षा चांगले परतावा देतातबँक बचत खाते. बँक खात्यांच्या 4% व्याजदराच्या तुलनेत, तरलम्युच्युअल फंड सुमारे 7% परतावा देतात. याव्यतिरिक्त, लिक्विड फंड अत्यंत तरल असतात, कोणीही त्यांचे निधी एका दिवसात रिडीम करू शकतो. चांगले परतावा मिळविण्यासाठी गुंतवणूकदार त्यांच्या अतिरिक्त रकमेची गुंतवणूक करू शकतात किंवा ते त्यांचे अल्पकालीन साध्य करण्यासाठी गुंतवणूक देखील करू शकतातआर्थिक उद्दिष्टे. उदाहरणार्थ, एखाद्याला एखादे गॅझेट खरेदी करायचे असल्यास किंवा लहान सहलीची योजना करायची असल्यास. चांगल्या परताव्यासाठी, गुंतवणूकदार या पूर्व-सूचीबद्ध टॉप परफॉर्मिंग लिक्विड फंड्समध्ये गुंतवणूक करू शकतातSIP. त्यांची नवीनतम कामगिरी आणि परतावा पाहूया!

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SIP गुंतवणूक FY 22 - 23 साठी टॉप 5 सर्वोत्तम कामगिरी करणारे लिक्विड फंड

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
BOI AXA Liquid Fund Growth	₹3,032.07 ↑ 0.46	₹2,002	1,000	1.5	3.3	7	7.1	5.6	7.4
Indiabulls Liquid Fund Growth	₹2,546.08 ↑ 0.39	₹393	500	1.5	3.3	7	6.9	5.5	7.4
Tata Liquid Fund Growth	₹4,146.48 ↑ 0.60	₹22,951	500	1.5	3.3	7	7	5.5	7.3
Mirae Asset Cash Management Fund Growth	₹2,760.67 ↑ 0.42	₹13,634	1,000	1.5	3.3	6.9	7	5.6	7.3
Nippon India Liquid Fund Growth	₹6,425.01 ↑ 0.96	₹35,388	100	1.5	3.3	6.9	7	5.5	7.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Aug 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	BOI AXA Liquid Fund	Indiabulls Liquid Fund	Tata Liquid Fund	Mirae Asset Cash Management Fund	Nippon India Liquid Fund
Point 1	Bottom quartile AUM (₹2,002 Cr).	Bottom quartile AUM (₹393 Cr).	Upper mid AUM (₹22,951 Cr).	Lower mid AUM (₹13,634 Cr).	Highest AUM (₹35,388 Cr).
Point 2	Established history (17+ yrs).	Established history (13+ yrs).	Established history (20+ yrs).	Established history (16+ yrs).	Oldest track record among peers (21 yrs).
Point 3	Rating: 3★ (bottom quartile).	Top rated.	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 4★ (lower mid).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 7.03% (top quartile).	1Y return: 7.00% (upper mid).	1Y return: 6.97% (lower mid).	1Y return: 6.95% (bottom quartile).	1Y return: 6.94% (bottom quartile).
Point 6	1M return: 0.47% (top quartile).	1M return: 0.46% (lower mid).	1M return: 0.46% (bottom quartile).	1M return: 0.47% (upper mid).	1M return: 0.46% (bottom quartile).
Point 7	Sharpe: 4.36 (top quartile).	Sharpe: 3.05 (bottom quartile).	Sharpe: 3.33 (lower mid).	Sharpe: 3.62 (upper mid).	Sharpe: 3.10 (bottom quartile).
Point 8	Information ratio: 0.52 (top quartile).	Information ratio: -1.37 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 5.64% (bottom quartile).	Yield to maturity (debt): 5.77% (lower mid).	Yield to maturity (debt): 5.88% (upper mid).	Yield to maturity (debt): 5.77% (bottom quartile).	Yield to maturity (debt): 5.89% (top quartile).
Point 10	Modified duration: 0.13 yrs (bottom quartile).	Modified duration: 0.11 yrs (upper mid).	Modified duration: 0.13 yrs (bottom quartile).	Modified duration: 0.10 yrs (top quartile).	Modified duration: 0.11 yrs (lower mid).

BOI AXA Liquid Fund

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

Indiabulls Liquid Fund

Bottom quartile AUM (₹393 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: Low.
1Y return: 7.00% (upper mid).
1M return: 0.46% (lower mid).
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).

Tata Liquid Fund

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

Mirae Asset Cash Management Fund

Lower mid AUM (₹13,634 Cr).
Established history (16+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.95% (bottom quartile).
1M return: 0.47% (upper mid).
Sharpe: 3.62 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.77% (bottom quartile).
Modified duration: 0.10 yrs (top quartile).

Nippon India Liquid Fund

Highest AUM (₹35,388 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.94% (bottom quartile).
1M return: 0.46% (bottom quartile).
Sharpe: 3.10 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.89% (top quartile).
Modified duration: 0.11 yrs (lower mid).

*वरील सर्वोत्कृष्टांची यादी आहेद्रव निधीमध्ये वरील एयूएम/निव्वळ मालमत्ता आहेत100 कोटी. वर क्रमवारी लावलीमागील 1 वर्षाचा परतावा.

1. 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

Bottom quartile AUM (₹2,002 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.03% (top quartile).
1M return: 0.47% (top quartile).
Sharpe: 4.36 (top quartile).
Information ratio: 0.52 (top quartile).
Yield to maturity (debt): 5.64% (bottom quartile).
Modified duration: 0.13 yrs (bottom quartile).
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 HDFC Bank Limited (~6.8%).

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund Growth
Launch Date	16 Jul 08
NAV (22 Aug 25)	₹3,032.07 ↑ 0.46 (0.02 %)
Net Assets (Cr)	₹2,002 on 31 Jul 25
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.13
Sharpe Ratio	4.36
Information Ratio	0.52
Alpha Ratio	0.03
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	5.64%
Effective Maturity	1 Month 17 Days
Modified Duration	1 Month 17 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹10,316
31 Jul 22	₹10,703
31 Jul 23	₹11,416
31 Jul 24	₹12,260
31 Jul 25	₹13,132

BOI AXA 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 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 22 Aug 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.3%
1 Year	7%
3 Year	7.1%
5 Year	5.6%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.3%

Fund Manager information for BOI AXA Liquid Fund

Name	Since	Tenure
Mithraem Bharucha	17 Aug 21	3.96 Yr.

Data below for BOI AXA Liquid Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	99.71%
Other	0.29%

Debt Sector Allocation

Sector	Value
Cash Equivalent	70.58%
Corporate	18.24%
Government	10.89%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Limited Certificate of Deposit \| -	7%	₹124 Cr	12,500,000
Bank of Baroda Debentures \| -	5%	₹99 Cr	10,000,000
Axis Bank Limited Certificate of Deposit \| -	5%	₹99 Cr	10,000,000
India (Republic of) - \| -	5%	₹99 Cr	10,000,000
LIC Housing Finance Ltd Commercial Paper \| -	5%	₹99 Cr	10,000,000
Repo CBLO/Reverse Repo \| -	5%	₹93 Cr
364 DTB 15082025 Sovereign Bonds \| -	4%	₹75 Cr	7,500,000
Sundaram Finance Limited Commercial Paper \| -	4%	₹75 Cr	7,500,000
Canara Bank Certificate of Deposit \| -	3%	₹60 Cr	6,000,000 ↓ -5,000,000
Reliance Jio Infocomm Ltd. Commercial Paper \| -	3%	₹50 Cr	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 (₹393 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: Low.
1Y return: 7.00% (upper mid).
1M return: 0.46% (lower mid).
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).
Average maturity: 0.11 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 Reverse Repo 16-Jul-25 (~12.5%).

Below is the key information for Indiabulls Liquid Fund

Indiabulls Liquid Fund Growth
Launch Date	27 Oct 11
NAV (22 Aug 25)	₹2,546.08 ↑ 0.39 (0.02 %)
Net Assets (Cr)	₹393 on 31 Jul 25
Category	Debt - Liquid Fund
AMC	Indiabulls Asset Management Company Ltd.
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.2
Sharpe Ratio	3.05
Information Ratio	-1.37
Alpha Ratio	-0.09
Min Investment	500
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	5.77%
Effective Maturity	1 Month 11 Days
Modified Duration	1 Month 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹10,311
31 Jul 22	₹10,663
31 Jul 23	₹11,333
31 Jul 24	₹12,162
31 Jul 25	₹13,023

Indiabulls 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 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 22 Aug 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.3%
1 Year	7%
3 Year	6.9%
5 Year	5.5%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.5%

Fund Manager information for Indiabulls Liquid Fund

Name	Since	Tenure
Kaustubh Sule	11 May 23	2.23 Yr.

Data below for Indiabulls Liquid Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	99.79%
Other	0.21%

Debt Sector Allocation

Sector	Value
Cash Equivalent	83.95%
Corporate	12.11%
Government	3.73%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reverse Repo 16-Jul-25 CBLO/Reverse Repo \| -	13%	₹41 Cr
Reliance Retail Ventures Limited Commercial Paper \| -	8%	₹25 Cr	2,500,000 ↑ 2,500,000
Punjab National Bank Domestic Bonds \| -	8%	₹25 Cr	2,500,000
HDFC Bank Ltd. Debentures \| -	8%	₹25 Cr	2,500,000
Indian Oil Corp Ltd. Commercial Paper \| -	8%	₹25 Cr	2,500,000 ↑ 2,500,000
LIC Housing Finance Ltd. Commercial Paper \| -	8%	₹25 Cr	2,500,000
Power Finance Corporation Limited Debentures \| -	7%	₹25 Cr	2,450,000
Bajaj Financial Securities Limited Commercial Paper \| -	7%	₹24 Cr	2,400,000
Bank Of Baroda Certificate of Deposit \| -	6%	₹20 Cr	2,000,000
Axis Bank Limited Certificate of Deposit \| -	6%	₹20 Cr	2,000,000 ↑ 1,500,000

3. 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 (₹22,951 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.97% (lower mid).
1M return: 0.46% (bottom quartile).
Sharpe: 3.33 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.88% (upper 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 Bank of Baroda (~5.3%).

Below is the key information for Tata Liquid Fund

Tata Liquid Fund Growth
Launch Date	1 Sep 04
NAV (22 Aug 25)	₹4,146.48 ↑ 0.60 (0.01 %)
Net Assets (Cr)	₹22,951 on 31 Jul 25
Category	Debt - Liquid Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.39
Sharpe Ratio	3.33
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	5.88%
Effective Maturity	1 Month 15 Days
Modified Duration	1 Month 15 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹10,317
31 Jul 22	₹10,692
31 Jul 23	₹11,391
31 Jul 24	₹12,221
31 Jul 25	₹13,082

Tata 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 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 22 Aug 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.3%
1 Year	7%
3 Year	7%
5 Year	5.5%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.4%

Fund Manager information for Tata Liquid Fund

Name	Since	Tenure
Amit Somani	16 Oct 13	11.8 Yr.
Abhishek Sonthalia	6 Feb 20	5.49 Yr.
Harsh Dave	1 Aug 24	1 Yr.

Data below for Tata Liquid Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	99.74%
Other	0.26%

Debt Sector Allocation

Sector	Value
Cash Equivalent	83.19%
Government	13.36%
Corporate	3.18%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bank of Baroda Debentures \| -	5%	₹1,315 Cr	26,500
Reliance Retail Ventures Limited Commercial Paper \| -	5%	₹1,287 Cr	26,000 ↑ 26,000
91 Days Tbill (Md 28/08/2025) Sovereign Bonds \| -	5%	₹1,193 Cr	120,000,000
India (Republic of) - \| -	4%	₹1,086 Cr	109,500,000
Punjab National Bank Domestic Bonds \| -	4%	₹990 Cr	20,000
HDFC Bank Ltd. Debentures \| -	3%	₹840 Cr	17,000 ↑ 17,000
India (Republic of) - \| -	3%	₹817 Cr	82,500,000 ↓ -77,500,000
Godrej Consumer Products Ltd. Commercial Paper \| -	3%	₹748 Cr	15,000
PNB Housing Finance Ltd. Commercial Paper \| -	3%	₹746 Cr	15,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	3%	₹744 Cr	15,000

4. Mirae Asset Cash Management Fund

The investment objective of the scheme is to generate consistent returns with a high level of liquidity in a judicious portfolio mix comprising of money market and debt instruments. The Scheme does not guarantee any returns.

Research Highlights for Mirae Asset Cash Management Fund

Lower mid AUM (₹13,634 Cr).
Established history (16+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.95% (bottom quartile).
1M return: 0.47% (upper mid).
Sharpe: 3.62 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.77% (bottom quartile).
Modified duration: 0.10 yrs (top quartile).
Average maturity: 0.10 yrs (top quartile).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Treps (~4.7%).

Below is the key information for Mirae Asset Cash Management Fund

Mirae Asset Cash Management Fund Growth
Launch Date	12 Jan 09
NAV (22 Aug 25)	₹2,760.67 ↑ 0.42 (0.02 %)
Net Assets (Cr)	₹13,634 on 31 Jul 25
Category	Debt - Liquid Fund
AMC	Mirae Asset Global Inv (India) Pvt. Ltd
Rating	☆☆
Risk	Low
Expense Ratio	0.14
Sharpe Ratio	3.62
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	5.77%
Effective Maturity	1 Month 7 Days
Modified Duration	1 Month 6 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹10,328
31 Jul 22	₹10,710
31 Jul 23	₹11,416
31 Jul 24	₹12,251
31 Jul 25	₹13,112

Mirae Asset Cash Management 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 Mirae Asset Cash Management Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.3%
1 Year	6.9%
3 Year	7%
5 Year	5.6%
10 Year
15 Year
Since launch	6.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	7%
2022	4.8%
2021	3.3%
2020	4.2%
2019	6.6%
2018	7.3%
2017	6.6%
2016	7.2%
2015	7.8%

Fund Manager information for Mirae Asset Cash Management Fund

Name	Since	Tenure
Amit Modani	1 Nov 24	0.75 Yr.

Data below for Mirae Asset Cash Management Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	99.79%
Other	0.21%

Debt Sector Allocation

Sector	Value
Cash Equivalent	79.66%
Corporate	12.55%
Government	7.58%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps CBLO/Reverse Repo \| -	5%	₹648 Cr
91 Days Tbill (Md 28/08/2025) Sovereign Bonds \| -	4%	₹547 Cr	55,000,000
Union Bank of India Domestic Bonds \| -	4%	₹495 Cr	50,000,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	4%	₹495 Cr	50,000,000
182 Days Tbill Sovereign Bonds \| -	3%	₹446 Cr	45,000,000
91 Days Tbill Red 21-08-2025 Sovereign Bonds \| -	3%	₹418 Cr	42,000,000
Canara Bank Certificate of Deposit \| -	3%	₹348 Cr	35,000,000
Indian Bank Certificate of Deposit \| -	2%	₹323 Cr	32,500,000
India (Republic of) - \| -	2%	₹298 Cr	30,000,000
Godrej Consumer Products Ltd. Commercial Paper \| -	2%	₹297 Cr	30,000,000 ↑ 30,000,000

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 (₹35,388 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.94% (bottom quartile).
1M return: 0.46% (bottom quartile).
Sharpe: 3.10 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.89% (top quartile).
Modified duration: 0.11 yrs (lower mid).
Average maturity: 0.12 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Reverse Repo (~6.0%).

Below is the key information for Nippon India Liquid Fund

Nippon India Liquid Fund Growth
Launch Date	9 Dec 03
NAV (22 Aug 25)	₹6,425.01 ↑ 0.96 (0.01 %)
Net Assets (Cr)	₹35,388 on 31 Jul 25
Category	Debt - Liquid Fund
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.33
Sharpe Ratio	3.1
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	5.89%
Effective Maturity	1 Month 13 Days
Modified Duration	1 Month 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹10,316
31 Jul 22	₹10,691
31 Jul 23	₹11,393
31 Jul 24	₹12,223
31 Jul 25	₹13,081

Nippon India 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 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 22 Aug 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.3%
1 Year	6.9%
3 Year	7%
5 Year	5.5%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.3%

Fund Manager information for Nippon India Liquid Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	7.19 Yr.
Vikash Agarwal	14 Sep 24	0.88 Yr.

Data below for Nippon India Liquid Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	99.73%
Other	0.27%

Debt Sector Allocation

Sector	Value
Cash Equivalent	85.86%
Government	8.76%
Corporate	5.12%

Credit Quality

Rating	Value
AA	0.13%
AAA	99.87%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reverse Repo CBLO/Reverse Repo \| -	6%	₹2,456 Cr
India (Republic of) - \| -	3%	₹1,036 Cr	104,500,000 ↑ 5,000,000
Union Bank of India Domestic Bonds \| -	2%	₹990 Cr	20,000
India (Republic of) - \| -	2%	₹849 Cr	85,000,000
Bank of Baroda Debentures \| -	2%	₹744 Cr	15,000
HDFC Bank Ltd. Debentures \| -	2%	₹743 Cr	15,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹718 Cr	14,500
91 Days Tbill Red 21-08-2025 Sovereign Bonds \| -	2%	₹647 Cr	65,000,000 ↑ 10,000,000
Indian Oil Corp Ltd. Commercial Paper \| -	1%	₹571 Cr	11,500 ↓ -4,500
India (Republic of) - \| -	1%	₹565 Cr	56,500,000 ↓ -3,000,000

Disclaimer:
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.