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ਤਰਲ ਮਿਉਚੁਅਲ ਫੰਡ: ਕਿਵੇਂ ਚੁਣੀਏ?

Updated on September 21, 2025 , 2912 views

ਤਰਲਮਿਉਚੁਅਲ ਫੰਡ ਜ਼ਰੂਰੀ ਤੌਰ 'ਤੇ ਹਨਪੈਸੇ ਦੀ ਮਾਰਕੀਟ (ਕਰਜ਼ਾ) ਫੰਡ ਜੋ ਛੋਟੇ ਕਾਰਜਕਾਲ ਦੇ ਪੈਸੇ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨਬਜ਼ਾਰ ਖਜ਼ਾਨਾ ਬਿੱਲਾਂ, ਮਿਆਦੀ ਜਮ੍ਹਾਂ ਰਕਮਾਂ, ਜਮ੍ਹਾਂ ਰਕਮਾਂ ਦਾ ਸਰਟੀਫਿਕੇਟ, ਵਪਾਰਕ ਕਾਗਜ਼ਾਤ ਆਦਿ ਸਮੇਤ ਸਾਧਨ। ਆਮ ਤੌਰ 'ਤੇ, ਤਰਲ ਮਿਉਚੁਅਲ ਫੰਡ ਤੁਹਾਡੇ ਪੈਸੇ ਨੂੰ ਛੋਟੀ ਮਿਆਦ ਲਈ ਨਿਵੇਸ਼ ਕਰਨ ਦੇ ਵਿਕਲਪ ਹੁੰਦੇ ਹਨ। ਦਾ ਹਿੱਸਾ ਹਨ, ਜੋ ਕਿ ਪ੍ਰਤੀਭੂਤੀਆਂਤਰਲ ਫੰਡ 91 ਦਿਨਾਂ ਤੋਂ ਘੱਟ ਦੀ ਪਰਿਪੱਕਤਾ ਹੈ। ਤਰਲ ਫੰਡਾਂ ਵਿੱਚ ਕੋਈ ਲਾਕ-ਇਨ ਪੀਰੀਅਡ ਨਹੀਂ ਹੁੰਦਾ ਹੈ ਇਸਲਈ ਨਿਵੇਸ਼ ਕੀਤੀ ਸੰਪਤੀਆਂ ਲੰਬੇ ਸਮੇਂ ਲਈ ਬੰਨ੍ਹੀਆਂ ਨਹੀਂ ਹੁੰਦੀਆਂ, ਇਸ ਤਰ੍ਹਾਂ ਤੁਹਾਡੇ ਪੈਸੇ ਨੂੰ ਉਪਲਬਧ ਰੱਖੋ। ਤਰਲ ਫੰਡ ਰਿਟਰਨ ਅਸਥਿਰ ਹੁੰਦੇ ਹਨ ਕਿਉਂਕਿ ਉਹ ਵਿੱਤੀ ਬਾਜ਼ਾਰ ਵਿੱਚ ਫੰਡ ਦੀ ਕਾਰਗੁਜ਼ਾਰੀ 'ਤੇ ਨਿਰਭਰ ਹੁੰਦੇ ਹਨ। ਦੀ ਚੋਣ ਕਰਨਾਵਧੀਆ ਤਰਲ ਫੰਡ ਇੱਕ ਮੁਸ਼ਕਲ ਕੰਮ ਹੈ, ਹਾਲਾਂਕਿ, ਕੋਈ ਉਹਨਾਂ ਦਾ ਨਿਰਣਾ ਕਰਨ ਲਈ ਕੁਝ ਮਾਪਦੰਡਾਂ ਦੀ ਵਰਤੋਂ ਕਰ ਸਕਦਾ ਹੈ।

ਮੂਲ ਮਾਪਦੰਡ ਜੋ ਤਰਲ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਦੀ ਚੋਣ ਕਰਨ ਲਈ ਵਰਤੇ ਜਾ ਸਕਦੇ ਹਨ ਹੇਠਾਂ ਦਿੱਤੇ ਅਨੁਸਾਰ ਹਨ:

  • ਰਿਟਰਨ ਜਾਂ ਪਿਛਲਾ ਟਰੈਕ ਰਿਕਾਰਡ
  • ਪੋਰਟਫੋਲੀਓ ਅਤੇ ਪਰਿਪੱਕਤਾ ਪ੍ਰੋਫਾਈਲ
  • ਤਰਲਤਾ ਅਤੇ ਫੰਡ ਦਾ ਆਕਾਰ
  • ਇੱਕ ਰੇਟਿੰਗ ਏਜੰਸੀ ਦੁਆਰਾ ਪ੍ਰਦਰਸ਼ਨ ਰੇਟਿੰਗ

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1. ਤਰਲ ਫੰਡ ਰਿਟਰਨ

ਵੱਖ-ਵੱਖ ਤਰਲ ਫੰਡਾਂ 'ਤੇ ਰਿਟਰਨ ਨੂੰ ਦੇਖਦੇ ਹੋਏ:

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
BOI AXA Liquid Fund Growth ₹3,046.88
↑ 0.38
₹1,8240.51.43.36.97.45.82%1M 10D1M 10D
Axis Liquid Fund Growth ₹2,945.68
↑ 0.38
₹37,1220.51.43.36.97.45.9%1M 9D1M 11D
Indiabulls Liquid Fund Growth ₹2,558.49
↑ 0.35
₹3030.51.43.36.97.45.88%1M 3D1M 3D
PGIM India Insta Cash Fund Growth ₹344.405
↑ 0.05
₹5270.51.43.36.97.35.83%20D22D
Canara Robeco Liquid Growth ₹3,184.26
↑ 0.44
₹8,3100.51.43.36.97.45.82%1M 1D1M 3D
Edelweiss Liquid Fund Growth ₹3,383.28
↑ 0.48
₹10,2180.51.43.36.97.35.83%1M 10D1M 10D
DSP Liquidity Fund Growth ₹3,776.85
↑ 0.53
₹19,9260.51.43.26.97.45.87%1M 6D1M 10D
Tata Liquid Fund Growth ₹4,166.61
↑ 0.56
₹20,4040.51.43.36.97.35.94%1M 9D1M 9D
UTI Liquid Cash Plan Growth ₹4,340.01
↑ 0.60
₹25,0370.51.43.36.87.35.93%1M 6D1M 6D
Invesco India Liquid Fund Growth ₹3,636.11
↑ 0.48
₹14,5430.51.43.36.87.45.84%1M 10D1M 10D
Aditya Birla Sun Life Liquid Fund Growth ₹426.283
↑ 0.06
₹49,7210.51.43.36.87.36%1M 2D1M 2D
Mahindra Liquid Fund Growth ₹1,721.45
↑ 0.23
₹1,2310.51.43.26.87.45.93%1M 6D1M 8D
Nippon India Liquid Fund  Growth ₹6,455.93
↑ 0.87
₹30,9650.51.43.36.87.35.89%1M 10D1M 13D
Mirae Asset Cash Management Fund Growth ₹2,773.97
↑ 0.36
₹13,7910.51.43.26.87.35.87%1M 10D1M 12D
ICICI Prudential Liquid Fund Growth ₹391.604
↑ 0.05
₹52,3400.51.43.26.87.45.87%1M 1D1M 4D
Kotak Liquid Fund Growth ₹5,346.98
↑ 0.68
₹40,6750.51.43.36.87.35.94%1M 10D1M 10D
HDFC Liquid Fund Growth ₹5,189.95
↑ 0.69
₹61,3990.51.43.26.87.35.88%1M 7D1M 11D
LIC MF Liquid Fund Growth ₹4,781.57
↑ 0.67
₹13,1620.51.43.26.87.45.87%1M 11D1M 11D
Baroda Pioneer Liquid Fund Growth ₹3,040.98
↑ 0.43
₹10,1500.51.43.26.87.35.88%1M 8D1M 8D
Bandhan Cash Fund Growth ₹3,194.8
↑ 0.43
₹13,6320.51.43.26.77.35.84%1M 6D1M 6D
SBI Liquid Fund Growth ₹4,134.4
↑ 0.55
₹63,8240.51.43.26.77.35.86%1M 6D1M 6D
JM Liquid Fund Growth ₹72.1699
↑ 0.01
₹2,6950.51.43.26.77.25.83%1M 7D1M 9D
IIFL Liquid Fund Growth ₹2,036.05
↑ 0.26
₹9100.51.43.16.67.25.81%1M 6D1M 10D
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 23 Sep 25

Research Highlights & Commentary of 25 Funds showcased

CommentaryBOI AXA Liquid FundAxis Liquid FundIndiabulls Liquid Fund PGIM India Insta Cash FundCanara Robeco LiquidEdelweiss Liquid FundDSP Liquidity FundTata Liquid FundUTI Liquid Cash PlanInvesco India Liquid FundAditya Birla Sun Life Liquid FundMahindra Liquid FundNippon India Liquid Fund Mirae Asset Cash Management FundICICI Prudential Liquid FundKotak 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 (₹1,824 Cr).Top quartile AUM (₹37,122 Cr).Bottom quartile AUM (₹303 Cr).Bottom quartile AUM (₹527 Cr).Lower mid AUM (₹8,310 Cr).Lower mid AUM (₹10,218 Cr).Upper mid AUM (₹19,926 Cr).Upper mid AUM (₹20,404 Cr).Upper mid AUM (₹25,037 Cr).Upper mid AUM (₹14,543 Cr).Top quartile AUM (₹49,721 Cr).Bottom quartile AUM (₹1,231 Cr).Upper mid AUM (₹30,965 Cr).Upper mid AUM (₹13,791 Cr).Top quartile AUM (₹52,340 Cr).Top quartile AUM (₹40,675 Cr).Top quartile AUM (₹61,399 Cr).Lower mid AUM (₹13,162 Cr).Lower mid AUM (₹10,150 Cr).Lower mid AUM (₹13,632 Cr).Highest AUM (₹63,824 Cr).Bottom quartile AUM (₹2,695 Cr).Bottom quartile AUM (₹910 Cr).Bottom quartile AUM (₹503 Cr).Lower mid AUM (₹3,144 Cr).
Point 2Established history (17+ yrs).Established history (15+ yrs).Established history (13+ yrs).Established history (18+ yrs).Established history (17+ yrs).Established history (18+ yrs).Established history (19+ yrs).Established history (21+ yrs).Established history (21+ yrs).Established history (18+ yrs).Established history (21+ yrs).Established history (9+ yrs).Established history (21+ yrs).Established history (16+ yrs).Established history (19+ yrs).Established history (21+ 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★ (lower mid).Rating: 4★ (upper mid).Top rated.Rating: 5★ (top quartile).Rating: 3★ (bottom quartile).Rating: 2★ (bottom quartile).Rating: 3★ (upper mid).Rating: 4★ (top quartile).Rating: 3★ (lower mid).Rating: 4★ (top quartile).Rating: 4★ (upper mid).Not Rated.Rating: 4★ (top quartile).Rating: 2★ (bottom quartile).Rating: 4★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (lower mid).Rating: 3★ (lower mid).Rating: 4★ (upper mid).Rating: 3★ (bottom quartile).Rating: 3★ (lower mid).Rating: 5★ (top quartile).Not Rated.Rating: 3★ (upper mid).Rating: 3★ (bottom quartile).
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: 6.90% (top quartile).1Y return: 6.89% (top quartile).1Y return: 6.88% (top quartile).1Y return: 6.87% (top quartile).1Y return: 6.86% (top quartile).1Y return: 6.86% (top quartile).1Y return: 6.85% (upper mid).1Y return: 6.85% (upper mid).1Y return: 6.85% (upper mid).1Y return: 6.85% (upper mid).1Y return: 6.84% (upper mid).1Y return: 6.83% (upper mid).1Y return: 6.82% (lower mid).1Y return: 6.82% (lower mid).1Y return: 6.82% (lower mid).1Y return: 6.81% (lower mid).1Y return: 6.81% (lower mid).1Y return: 6.76% (lower mid).1Y return: 6.75% (bottom quartile).1Y return: 6.75% (bottom quartile).1Y return: 6.74% (bottom quartile).1Y return: 6.74% (bottom quartile).1Y return: 6.64% (bottom quartile).1Y return: 6.55% (bottom quartile).1Y return: 3.29% (bottom quartile).
Point 61M return: 0.47% (upper mid).1M return: 0.47% (lower mid).1M return: 0.49% (top quartile).1M return: 0.47% (top quartile).1M return: 0.47% (upper mid).1M return: 0.48% (top quartile).1M return: 0.47% (lower mid).1M return: 0.47% (upper mid).1M return: 0.47% (upper mid).1M return: 0.47% (lower mid).1M return: 0.47% (top quartile).1M return: 0.47% (upper mid).1M return: 0.47% (lower mid).1M return: 0.47% (lower mid).1M return: 0.47% (upper mid).1M return: 0.47% (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: 0.47% (bottom quartile).1M return: 0.47% (top quartile).1M return: 0.53% (top quartile).1M return: 0.29% (bottom quartile).
Point 7Sharpe: 4.59 (top quartile).Sharpe: 3.41 (upper mid).Sharpe: 3.54 (upper mid).Sharpe: 3.57 (top quartile).Sharpe: 3.48 (upper mid).Sharpe: 3.91 (top quartile).Sharpe: 3.56 (upper mid).Sharpe: 3.56 (upper mid).Sharpe: 3.40 (lower mid).Sharpe: 3.79 (top quartile).Sharpe: 3.41 (upper mid).Sharpe: 3.61 (top quartile).Sharpe: 3.30 (lower mid).Sharpe: 3.82 (top quartile).Sharpe: 3.34 (lower mid).Sharpe: 3.13 (lower mid).Sharpe: 3.05 (bottom quartile).Sharpe: 3.26 (lower mid).Sharpe: 3.07 (bottom quartile).Sharpe: 3.18 (lower mid).Sharpe: 2.79 (bottom quartile).Sharpe: 2.95 (bottom quartile).Sharpe: 2.72 (bottom quartile).Sharpe: 0.20 (bottom quartile).Sharpe: -3.87 (bottom quartile).
Point 8Information ratio: 0.74 (top quartile).Information ratio: 0.00 (lower mid).Information ratio: -1.18 (bottom quartile).Information ratio: -0.64 (lower mid).Information ratio: 0.08 (top quartile).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: -0.74 (bottom quartile).Information ratio: 0.00 (lower mid).Information ratio: -0.92 (bottom quartile).Information ratio: 0.00 (lower mid).Information ratio: -1.18 (bottom quartile).Information ratio: 0.00 (top quartile).Information ratio: 0.00 (top quartile).Information ratio: -2.17 (bottom quartile).Information ratio: -2.96 (bottom quartile).Information ratio: -5.96 (bottom quartile).Information ratio: 0.00 (top quartile).
Point 9Yield to maturity (debt): 5.82% (bottom quartile).Yield to maturity (debt): 5.90% (upper mid).Yield to maturity (debt): 5.88% (upper mid).Yield to maturity (debt): 5.83% (bottom quartile).Yield to maturity (debt): 5.82% (bottom quartile).Yield to maturity (debt): 5.83% (bottom quartile).Yield to maturity (debt): 5.87% (lower mid).Yield to maturity (debt): 5.94% (top quartile).Yield to maturity (debt): 5.93% (top quartile).Yield to maturity (debt): 5.84% (lower mid).Yield to maturity (debt): 6.00% (top quartile).Yield to maturity (debt): 5.93% (top quartile).Yield to maturity (debt): 5.89% (upper mid).Yield to maturity (debt): 5.87% (upper mid).Yield to maturity (debt): 5.87% (lower mid).Yield to maturity (debt): 5.94% (top quartile).Yield to maturity (debt): 5.88% (upper mid).Yield to maturity (debt): 5.87% (lower mid).Yield to maturity (debt): 5.88% (upper mid).Yield to maturity (debt): 5.84% (lower mid).Yield to maturity (debt): 5.86% (lower mid).Yield to maturity (debt): 5.83% (bottom quartile).Yield to maturity (debt): 5.81% (bottom quartile).Yield to maturity (debt): 6.66% (top quartile).Yield to maturity (debt): 3.50% (bottom quartile).
Point 10Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.11 yrs (lower mid).Modified duration: 0.09 yrs (top quartile).Modified duration: 0.06 yrs (top quartile).Modified duration: 0.09 yrs (top quartile).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.11 yrs (lower mid).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.09 yrs (top quartile).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.09 yrs (top quartile).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.10 yrs (lower mid).Modified duration: 0.12 yrs (bottom quartile).Modified duration: 0.11 yrs (lower mid).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.10 yrs (lower mid).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.10 yrs (lower mid).Modified duration: 0.09 yrs (top quartile).

BOI AXA Liquid Fund

  • Bottom quartile AUM (₹1,824 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.90% (top quartile).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 4.59 (top quartile).
  • Information ratio: 0.74 (top quartile).
  • Yield to maturity (debt): 5.82% (bottom quartile).
  • Modified duration: 0.11 yrs (bottom quartile).

Axis Liquid Fund

  • Top quartile AUM (₹37,122 Cr).
  • Established history (15+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.89% (top quartile).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.41 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.90% (upper mid).
  • Modified duration: 0.11 yrs (lower mid).

Indiabulls Liquid Fund

  • Bottom quartile AUM (₹303 Cr).
  • Established history (13+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.88% (top quartile).
  • 1M return: 0.49% (top quartile).
  • Sharpe: 3.54 (upper mid).
  • Information ratio: -1.18 (bottom quartile).
  • Yield to maturity (debt): 5.88% (upper mid).
  • Modified duration: 0.09 yrs (top quartile).

PGIM India Insta Cash Fund

  • Bottom quartile AUM (₹527 Cr).
  • Established history (18+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.87% (top quartile).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 3.57 (top quartile).
  • Information ratio: -0.64 (lower mid).
  • Yield to maturity (debt): 5.83% (bottom quartile).
  • Modified duration: 0.06 yrs (top quartile).

Canara Robeco Liquid

  • Lower mid AUM (₹8,310 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.86% (top quartile).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.48 (upper mid).
  • Information ratio: 0.08 (top quartile).
  • Yield to maturity (debt): 5.82% (bottom quartile).
  • Modified duration: 0.09 yrs (top quartile).

Edelweiss Liquid Fund

  • Lower mid AUM (₹10,218 Cr).
  • Established history (18+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.86% (top quartile).
  • 1M return: 0.48% (top quartile).
  • Sharpe: 3.91 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.83% (bottom quartile).
  • Modified duration: 0.11 yrs (bottom quartile).

DSP Liquidity Fund

  • Upper mid AUM (₹19,926 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.85% (upper mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.56 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.87% (lower mid).
  • Modified duration: 0.10 yrs (upper mid).

Tata Liquid Fund

  • Upper mid AUM (₹20,404 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.85% (upper mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.56 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.94% (top quartile).
  • Modified duration: 0.11 yrs (lower mid).

UTI Liquid Cash Plan

  • Upper mid AUM (₹25,037 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.85% (upper mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.40 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.93% (top quartile).
  • Modified duration: 0.10 yrs (upper mid).

Invesco India Liquid Fund

  • Upper mid AUM (₹14,543 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.85% (upper mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.79 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.84% (lower mid).
  • Modified duration: 0.11 yrs (bottom quartile).

Aditya Birla Sun Life Liquid Fund

  • Top quartile AUM (₹49,721 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.84% (upper mid).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 3.41 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.00% (top quartile).
  • Modified duration: 0.09 yrs (top quartile).

Mahindra Liquid Fund

  • Bottom quartile AUM (₹1,231 Cr).
  • Established history (9+ yrs).
  • Not Rated.
  • Risk profile: Low.
  • 1Y return: 6.83% (upper mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.61 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.93% (top quartile).
  • Modified duration: 0.10 yrs (upper mid).

Nippon India Liquid Fund 

  • Upper mid AUM (₹30,965 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.82% (lower mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.30 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.89% (upper mid).
  • Modified duration: 0.11 yrs (bottom quartile).

Mirae Asset Cash Management Fund

  • Upper mid AUM (₹13,791 Cr).
  • Established history (16+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.82% (lower mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.82 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.87% (upper mid).
  • Modified duration: 0.11 yrs (bottom quartile).

ICICI Prudential Liquid Fund

  • Top quartile AUM (₹52,340 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.82% (lower mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.34 (lower mid).
  • Information ratio: -0.74 (bottom quartile).
  • Yield to maturity (debt): 5.87% (lower mid).
  • Modified duration: 0.09 yrs (top quartile).

Kotak Liquid Fund

  • Top quartile AUM (₹40,675 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.81% (lower mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.13 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.94% (top quartile).
  • Modified duration: 0.11 yrs (bottom quartile).

HDFC Liquid Fund

  • Top quartile AUM (₹61,399 Cr).
  • Established history (24+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.81% (lower mid).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.05 (bottom quartile).
  • Information ratio: -0.92 (bottom quartile).
  • Yield to maturity (debt): 5.88% (upper mid).
  • Modified duration: 0.10 yrs (lower mid).

LIC MF Liquid Fund

  • Lower mid AUM (₹13,162 Cr).
  • Established history (23+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.76% (lower mid).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.26 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.87% (lower mid).
  • Modified duration: 0.12 yrs (bottom quartile).

Baroda Pioneer Liquid Fund

  • Lower mid AUM (₹10,150 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.75% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.07 (bottom quartile).
  • Information ratio: -1.18 (bottom quartile).
  • Yield to maturity (debt): 5.88% (upper mid).
  • Modified duration: 0.11 yrs (lower mid).

Bandhan Cash Fund

  • Lower mid AUM (₹13,632 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.75% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.18 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.84% (lower mid).
  • Modified duration: 0.10 yrs (upper mid).

SBI Liquid Fund

  • Highest AUM (₹63,824 Cr).
  • Established history (18+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.74% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 2.79 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.86% (lower mid).
  • Modified duration: 0.10 yrs (upper mid).

JM Liquid Fund

  • Bottom quartile AUM (₹2,695 Cr).
  • Oldest track record among peers (27 yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.74% (bottom quartile).
  • 1M return: 0.47% (bottom quartile).
  • Sharpe: 2.95 (bottom quartile).
  • Information ratio: -2.17 (bottom quartile).
  • Yield to maturity (debt): 5.83% (bottom quartile).
  • Modified duration: 0.10 yrs (lower mid).

IIFL Liquid Fund

  • Bottom quartile AUM (₹910 Cr).
  • Established history (11+ yrs).
  • Not Rated.
  • Risk profile: Low.
  • 1Y return: 6.64% (bottom quartile).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 2.72 (bottom quartile).
  • Information ratio: -2.96 (bottom quartile).
  • Yield to maturity (debt): 5.81% (bottom quartile).
  • Modified duration: 0.10 yrs (upper mid).

IDBI Liquid Fund

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

Sundaram Money Fund

  • Lower mid AUM (₹3,144 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (bottom quartile).
  • 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% ਫੰਡਾਂ ਦੀ 7.25% ਤੋਂ 7.75% ਦੇ ਵਿਚਕਾਰ ਵਾਪਸੀ ਹੁੰਦੀ ਹੈ। ਇਸ ਲਈ ਤਰਲ ਫੰਡ ਰਿਟਰਨ ਬਹੁਤ ਨੇੜੇ ਹਨਰੇਂਜ ਅਤੇ ਭਾਵੇਂ ਕੋਈ "ਸਰਬੋਤਮ ਤਰਲ ਫੰਡ" ਨਹੀਂ ਚੁਣਦਾ ਹੈ, ਉਹ ਉੱਚ ਜਾਂ ਔਸਤ ਵਾਪਸੀ ਤੋਂ ਬਹੁਤ ਦੂਰ ਨਹੀਂ ਹਨ।

2. ਤਰਲ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਦਾ ਪੋਰਟਫੋਲੀਓ ਅਤੇ ਪਰਿਪੱਕਤਾ ਪ੍ਰੋਫਾਈਲ

ਤਰਲ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਦੇ ਪੋਰਟਫੋਲੀਓ ਵਿੱਚ ਪ੍ਰਤੀਭੂਤੀਆਂ ਸ਼ਾਮਲ ਹੁੰਦੀਆਂ ਹਨ ਜਿਨ੍ਹਾਂ ਦੀ ਮਿਆਦ 91 ਦਿਨਾਂ ਤੋਂ ਘੱਟ ਹੁੰਦੀ ਹੈ। ਜਦੋਂ ਕਿ ਕੋਈ ਜਾ ਸਕਦਾ ਹੈ ਅਤੇ ਕ੍ਰੈਡਿਟ ਕੁਆਲਿਟੀ ਬਾਰੇ ਗੱਲ ਕਰ ਸਕਦਾ ਹੈ (ਸਧਾਰਨ ਸ਼ਬਦਾਂ ਵਿੱਚ, ਪੋਰਟਫੋਲੀਓ ਵਿੱਚ ਪ੍ਰਤੀਭੂਤੀਆਂ ਕਿੰਨੀਆਂ ਚੰਗੀਆਂ ਹਨ) ਅਤੇ ਪੋਰਟਫੋਲੀਓ ਨੂੰ ਵੱਖਰਾ ਕਰਨ ਦੀ ਕੋਸ਼ਿਸ਼ ਕਰ ਸਕਦਾ ਹੈ, ਹਾਲਾਂਕਿ, ਅਸਲ ਅਨੁਭਵ ਇਹ ਹੈ ਕਿ, ਜਦੋਂ ਤੱਕ ਕਿ ਪੋਰਟਫੋਲੀਓ ਵਿੱਚ ਕੁਝ ਬਹੁਤ ਮਾੜੀ ਗੁਣਵੱਤਾ ਵਾਲੇ ਅਸਲ ਮੁੱਦੇ ਨਹੀਂ ਹਨ. ਪ੍ਰਤੀਭੂਤੀਆਂ, ਤਰਲ ਫੰਡ ਇੱਕ ਮੁੱਦਾ ਨਹੀਂ ਹੋਣਾ ਚਾਹੀਦਾ ਹੈ। ਅੱਜ ਤੱਕ ਕੋਈ ਪਤਾ ਨਹੀਂ ਲੱਗ ਸਕਿਆ ਹੈਡਿਫਾਲਟ ਤਰਲ ਫੰਡ ਪੋਰਟਫੋਲੀਓ ਵਿੱਚ ਅਤੇ ਕੰਪਨੀਆਂ ਆਮ ਤੌਰ 'ਤੇ ਛੋਟੀ ਮਿਆਦ ਪੂਰੀ ਹੋਣ ਵਾਲੇ ਕਾਗਜ਼ਾਂ 'ਤੇ ਡਿਫਾਲਟ ਨਹੀਂ ਹੁੰਦੀਆਂ ਹਨ। ਹਾਲਾਂਕਿ, ਫੰਡ ਦੇ ਉਪਰੋਕਤ ਪੋਰਟਫੋਲੀਓ ਨੂੰ ਕਹਿਣ ਤੋਂ ਬਾਅਦ ਫੰਡ ਦੀ ਉਪਜ ਅਤੇ ਇਸਦੇ ਬਾਅਦ ਦੇ ਪ੍ਰਦਰਸ਼ਨ 'ਤੇ ਵਿਚਾਰ ਦਿੱਤੇ ਜਾਣਗੇ। ਇਹ ਅਕਸਰ ਕਿਹਾ ਜਾਂਦਾ ਹੈ ਕਿ "ਪਿਛਲੀ ਕਾਰਗੁਜ਼ਾਰੀ ਭਵਿੱਖ ਦੀ ਕਾਰਗੁਜ਼ਾਰੀ ਦਾ ਸੂਚਕ ਨਹੀਂ ਹੈ" ਅਤੇ ਤਰਲ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਲਈ, ਜੇਕਰ ਕੋਈ ਕੁਝ ਅਨੁਮਾਨ ਲਗਾਉਣ ਦੀ ਕੋਸ਼ਿਸ਼ ਕਰਦਾ ਹੈ, ਤਾਂ ਉਹਨਾਂ ਨੂੰ ਸਿਰਫ ਪੋਰਟਫੋਲੀਓ ਨੂੰ ਦੇਖਣਾ ਹੈ। ਪ੍ਰਤੀਭੂਤੀਆਂ ਦੀ ਕਿਸਮ (ਵਪਾਰਕ ਕਾਗਜ਼ਾਤ (CPs), ਜਮ੍ਹਾਂ ਦਾ ਸਰਟੀਫਿਕੇਟ (CDs) ਆਦਿ), ਕ੍ਰੈਡਿਟ ਗੁਣਵੱਤਾ ਅਤੇ ਉਪਜ ਇਸ ਗੱਲ ਦਾ ਅੰਦਾਜ਼ਾ ਦਿੰਦੀ ਹੈ ਕਿ ਫੰਡ ਦੀ ਵਾਪਸੀ ਪ੍ਰੋਫਾਈਲ ਕੀ ਹੋ ਸਕਦੀ ਹੈ। ਪੋਰਟਫੋਲੀਓ ਦੀ ਗੁਣਵੱਤਾ ਤਰਲ ਫੰਡ ਦੀ ਕਾਰਗੁਜ਼ਾਰੀ ਦਾ ਇੱਕ ਚੰਗਾ ਸੂਚਕ ਹੈ। ਸਾਰੇ ਤਰਲ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਦੀ ਪਰਿਪੱਕਤਾ ਆਮ ਤੌਰ 'ਤੇ ਦੋ ਦਿਨਾਂ ਦੀ ਹੁੰਦੀ ਹੈ ਅਤੇ 91 ਦਿਨਾਂ ਤੋਂ ਬਹੁਤ ਘੱਟ ਹੁੰਦੀ ਹੈ। ਜ਼ਿਆਦਾਤਰ ਮਾਮਲਿਆਂ ਵਿੱਚ ਇਹ ਸਮਾਨ ਹੈ.

3. ਫੰਡ ਦੀ ਤਰਲਤਾ ਅਤੇ ਆਕਾਰ

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
BOI AXA Liquid Fund Growth ₹3,046.88
↑ 0.38
₹1,8240.51.43.36.97.45.82%1M 10D1M 10D
Axis Liquid Fund Growth ₹2,945.68
↑ 0.38
₹37,1220.51.43.36.97.45.9%1M 9D1M 11D
Indiabulls Liquid Fund Growth ₹2,558.49
↑ 0.35
₹3030.51.43.36.97.45.88%1M 3D1M 3D
PGIM India Insta Cash Fund Growth ₹344.405
↑ 0.05
₹5270.51.43.36.97.35.83%20D22D
Canara Robeco Liquid Growth ₹3,184.26
↑ 0.44
₹8,3100.51.43.36.97.45.82%1M 1D1M 3D
Edelweiss Liquid Fund Growth ₹3,383.28
↑ 0.48
₹10,2180.51.43.36.97.35.83%1M 10D1M 10D
DSP Liquidity Fund Growth ₹3,776.85
↑ 0.53
₹19,9260.51.43.26.97.45.87%1M 6D1M 10D
Tata Liquid Fund Growth ₹4,166.61
↑ 0.56
₹20,4040.51.43.36.97.35.94%1M 9D1M 9D
UTI Liquid Cash Plan Growth ₹4,340.01
↑ 0.60
₹25,0370.51.43.36.87.35.93%1M 6D1M 6D
Invesco India Liquid Fund Growth ₹3,636.11
↑ 0.48
₹14,5430.51.43.36.87.45.84%1M 10D1M 10D
Aditya Birla Sun Life Liquid Fund Growth ₹426.283
↑ 0.06
₹49,7210.51.43.36.87.36%1M 2D1M 2D
Mahindra Liquid Fund Growth ₹1,721.45
↑ 0.23
₹1,2310.51.43.26.87.45.93%1M 6D1M 8D
Nippon India Liquid Fund  Growth ₹6,455.93
↑ 0.87
₹30,9650.51.43.36.87.35.89%1M 10D1M 13D
Mirae Asset Cash Management Fund Growth ₹2,773.97
↑ 0.36
₹13,7910.51.43.26.87.35.87%1M 10D1M 12D
ICICI Prudential Liquid Fund Growth ₹391.604
↑ 0.05
₹52,3400.51.43.26.87.45.87%1M 1D1M 4D
Kotak Liquid Fund Growth ₹5,346.98
↑ 0.68
₹40,6750.51.43.36.87.35.94%1M 10D1M 10D
HDFC Liquid Fund Growth ₹5,189.95
↑ 0.69
₹61,3990.51.43.26.87.35.88%1M 7D1M 11D
LIC MF Liquid Fund Growth ₹4,781.57
↑ 0.67
₹13,1620.51.43.26.87.45.87%1M 11D1M 11D
Baroda Pioneer Liquid Fund Growth ₹3,040.98
↑ 0.43
₹10,1500.51.43.26.87.35.88%1M 8D1M 8D
Bandhan Cash Fund Growth ₹3,194.8
↑ 0.43
₹13,6320.51.43.26.77.35.84%1M 6D1M 6D
SBI Liquid Fund Growth ₹4,134.4
↑ 0.55
₹63,8240.51.43.26.77.35.86%1M 6D1M 6D
JM Liquid Fund Growth ₹72.1699
↑ 0.01
₹2,6950.51.43.26.77.25.83%1M 7D1M 9D
IIFL Liquid Fund Growth ₹2,036.05
↑ 0.26
₹9100.51.43.16.67.25.81%1M 6D1M 10D
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 23 Sep 25

Research Highlights & Commentary of 25 Funds showcased

CommentaryBOI AXA Liquid FundAxis Liquid FundIndiabulls Liquid Fund PGIM India Insta Cash FundCanara Robeco LiquidEdelweiss Liquid FundDSP Liquidity FundTata Liquid FundUTI Liquid Cash PlanInvesco India Liquid FundAditya Birla Sun Life Liquid FundMahindra Liquid FundNippon India Liquid Fund Mirae Asset Cash Management FundICICI Prudential Liquid FundKotak 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 (₹1,824 Cr).Top quartile AUM (₹37,122 Cr).Bottom quartile AUM (₹303 Cr).Bottom quartile AUM (₹527 Cr).Lower mid AUM (₹8,310 Cr).Lower mid AUM (₹10,218 Cr).Upper mid AUM (₹19,926 Cr).Upper mid AUM (₹20,404 Cr).Upper mid AUM (₹25,037 Cr).Upper mid AUM (₹14,543 Cr).Top quartile AUM (₹49,721 Cr).Bottom quartile AUM (₹1,231 Cr).Upper mid AUM (₹30,965 Cr).Upper mid AUM (₹13,791 Cr).Top quartile AUM (₹52,340 Cr).Top quartile AUM (₹40,675 Cr).Top quartile AUM (₹61,399 Cr).Lower mid AUM (₹13,162 Cr).Lower mid AUM (₹10,150 Cr).Lower mid AUM (₹13,632 Cr).Highest AUM (₹63,824 Cr).Bottom quartile AUM (₹2,695 Cr).Bottom quartile AUM (₹910 Cr).Bottom quartile AUM (₹503 Cr).Lower mid AUM (₹3,144 Cr).
Point 2Established history (17+ yrs).Established history (15+ yrs).Established history (13+ yrs).Established history (18+ yrs).Established history (17+ yrs).Established history (18+ yrs).Established history (19+ yrs).Established history (21+ yrs).Established history (21+ yrs).Established history (18+ yrs).Established history (21+ yrs).Established history (9+ yrs).Established history (21+ yrs).Established history (16+ yrs).Established history (19+ yrs).Established history (21+ 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★ (lower mid).Rating: 4★ (upper mid).Top rated.Rating: 5★ (top quartile).Rating: 3★ (bottom quartile).Rating: 2★ (bottom quartile).Rating: 3★ (upper mid).Rating: 4★ (top quartile).Rating: 3★ (lower mid).Rating: 4★ (top quartile).Rating: 4★ (upper mid).Not Rated.Rating: 4★ (top quartile).Rating: 2★ (bottom quartile).Rating: 4★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (lower mid).Rating: 3★ (lower mid).Rating: 4★ (upper mid).Rating: 3★ (bottom quartile).Rating: 3★ (lower mid).Rating: 5★ (top quartile).Not Rated.Rating: 3★ (upper mid).Rating: 3★ (bottom quartile).
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: 6.90% (top quartile).1Y return: 6.89% (top quartile).1Y return: 6.88% (top quartile).1Y return: 6.87% (top quartile).1Y return: 6.86% (top quartile).1Y return: 6.86% (top quartile).1Y return: 6.85% (upper mid).1Y return: 6.85% (upper mid).1Y return: 6.85% (upper mid).1Y return: 6.85% (upper mid).1Y return: 6.84% (upper mid).1Y return: 6.83% (upper mid).1Y return: 6.82% (lower mid).1Y return: 6.82% (lower mid).1Y return: 6.82% (lower mid).1Y return: 6.81% (lower mid).1Y return: 6.81% (lower mid).1Y return: 6.76% (lower mid).1Y return: 6.75% (bottom quartile).1Y return: 6.75% (bottom quartile).1Y return: 6.74% (bottom quartile).1Y return: 6.74% (bottom quartile).1Y return: 6.64% (bottom quartile).1Y return: 6.55% (bottom quartile).1Y return: 3.29% (bottom quartile).
Point 61M return: 0.47% (upper mid).1M return: 0.47% (lower mid).1M return: 0.49% (top quartile).1M return: 0.47% (top quartile).1M return: 0.47% (upper mid).1M return: 0.48% (top quartile).1M return: 0.47% (lower mid).1M return: 0.47% (upper mid).1M return: 0.47% (upper mid).1M return: 0.47% (lower mid).1M return: 0.47% (top quartile).1M return: 0.47% (upper mid).1M return: 0.47% (lower mid).1M return: 0.47% (lower mid).1M return: 0.47% (upper mid).1M return: 0.47% (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: 0.47% (bottom quartile).1M return: 0.47% (top quartile).1M return: 0.53% (top quartile).1M return: 0.29% (bottom quartile).
Point 7Sharpe: 4.59 (top quartile).Sharpe: 3.41 (upper mid).Sharpe: 3.54 (upper mid).Sharpe: 3.57 (top quartile).Sharpe: 3.48 (upper mid).Sharpe: 3.91 (top quartile).Sharpe: 3.56 (upper mid).Sharpe: 3.56 (upper mid).Sharpe: 3.40 (lower mid).Sharpe: 3.79 (top quartile).Sharpe: 3.41 (upper mid).Sharpe: 3.61 (top quartile).Sharpe: 3.30 (lower mid).Sharpe: 3.82 (top quartile).Sharpe: 3.34 (lower mid).Sharpe: 3.13 (lower mid).Sharpe: 3.05 (bottom quartile).Sharpe: 3.26 (lower mid).Sharpe: 3.07 (bottom quartile).Sharpe: 3.18 (lower mid).Sharpe: 2.79 (bottom quartile).Sharpe: 2.95 (bottom quartile).Sharpe: 2.72 (bottom quartile).Sharpe: 0.20 (bottom quartile).Sharpe: -3.87 (bottom quartile).
Point 8Information ratio: 0.74 (top quartile).Information ratio: 0.00 (lower mid).Information ratio: -1.18 (bottom quartile).Information ratio: -0.64 (lower mid).Information ratio: 0.08 (top quartile).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: -0.74 (bottom quartile).Information ratio: 0.00 (lower mid).Information ratio: -0.92 (bottom quartile).Information ratio: 0.00 (lower mid).Information ratio: -1.18 (bottom quartile).Information ratio: 0.00 (top quartile).Information ratio: 0.00 (top quartile).Information ratio: -2.17 (bottom quartile).Information ratio: -2.96 (bottom quartile).Information ratio: -5.96 (bottom quartile).Information ratio: 0.00 (top quartile).
Point 9Yield to maturity (debt): 5.82% (bottom quartile).Yield to maturity (debt): 5.90% (upper mid).Yield to maturity (debt): 5.88% (upper mid).Yield to maturity (debt): 5.83% (bottom quartile).Yield to maturity (debt): 5.82% (bottom quartile).Yield to maturity (debt): 5.83% (bottom quartile).Yield to maturity (debt): 5.87% (lower mid).Yield to maturity (debt): 5.94% (top quartile).Yield to maturity (debt): 5.93% (top quartile).Yield to maturity (debt): 5.84% (lower mid).Yield to maturity (debt): 6.00% (top quartile).Yield to maturity (debt): 5.93% (top quartile).Yield to maturity (debt): 5.89% (upper mid).Yield to maturity (debt): 5.87% (upper mid).Yield to maturity (debt): 5.87% (lower mid).Yield to maturity (debt): 5.94% (top quartile).Yield to maturity (debt): 5.88% (upper mid).Yield to maturity (debt): 5.87% (lower mid).Yield to maturity (debt): 5.88% (upper mid).Yield to maturity (debt): 5.84% (lower mid).Yield to maturity (debt): 5.86% (lower mid).Yield to maturity (debt): 5.83% (bottom quartile).Yield to maturity (debt): 5.81% (bottom quartile).Yield to maturity (debt): 6.66% (top quartile).Yield to maturity (debt): 3.50% (bottom quartile).
Point 10Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.11 yrs (lower mid).Modified duration: 0.09 yrs (top quartile).Modified duration: 0.06 yrs (top quartile).Modified duration: 0.09 yrs (top quartile).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.11 yrs (lower mid).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.09 yrs (top quartile).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.09 yrs (top quartile).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.10 yrs (lower mid).Modified duration: 0.12 yrs (bottom quartile).Modified duration: 0.11 yrs (lower mid).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.10 yrs (lower mid).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.10 yrs (lower mid).Modified duration: 0.09 yrs (top quartile).

BOI AXA Liquid Fund

  • Bottom quartile AUM (₹1,824 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.90% (top quartile).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 4.59 (top quartile).
  • Information ratio: 0.74 (top quartile).
  • Yield to maturity (debt): 5.82% (bottom quartile).
  • Modified duration: 0.11 yrs (bottom quartile).

Axis Liquid Fund

  • Top quartile AUM (₹37,122 Cr).
  • Established history (15+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.89% (top quartile).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.41 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.90% (upper mid).
  • Modified duration: 0.11 yrs (lower mid).

Indiabulls Liquid Fund

  • Bottom quartile AUM (₹303 Cr).
  • Established history (13+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.88% (top quartile).
  • 1M return: 0.49% (top quartile).
  • Sharpe: 3.54 (upper mid).
  • Information ratio: -1.18 (bottom quartile).
  • Yield to maturity (debt): 5.88% (upper mid).
  • Modified duration: 0.09 yrs (top quartile).

PGIM India Insta Cash Fund

  • Bottom quartile AUM (₹527 Cr).
  • Established history (18+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.87% (top quartile).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 3.57 (top quartile).
  • Information ratio: -0.64 (lower mid).
  • Yield to maturity (debt): 5.83% (bottom quartile).
  • Modified duration: 0.06 yrs (top quartile).

Canara Robeco Liquid

  • Lower mid AUM (₹8,310 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.86% (top quartile).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.48 (upper mid).
  • Information ratio: 0.08 (top quartile).
  • Yield to maturity (debt): 5.82% (bottom quartile).
  • Modified duration: 0.09 yrs (top quartile).

Edelweiss Liquid Fund

  • Lower mid AUM (₹10,218 Cr).
  • Established history (18+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.86% (top quartile).
  • 1M return: 0.48% (top quartile).
  • Sharpe: 3.91 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.83% (bottom quartile).
  • Modified duration: 0.11 yrs (bottom quartile).

DSP Liquidity Fund

  • Upper mid AUM (₹19,926 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.85% (upper mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.56 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.87% (lower mid).
  • Modified duration: 0.10 yrs (upper mid).

Tata Liquid Fund

  • Upper mid AUM (₹20,404 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.85% (upper mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.56 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.94% (top quartile).
  • Modified duration: 0.11 yrs (lower mid).

UTI Liquid Cash Plan

  • Upper mid AUM (₹25,037 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.85% (upper mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.40 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.93% (top quartile).
  • Modified duration: 0.10 yrs (upper mid).

Invesco India Liquid Fund

  • Upper mid AUM (₹14,543 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.85% (upper mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.79 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.84% (lower mid).
  • Modified duration: 0.11 yrs (bottom quartile).

Aditya Birla Sun Life Liquid Fund

  • Top quartile AUM (₹49,721 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.84% (upper mid).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 3.41 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.00% (top quartile).
  • Modified duration: 0.09 yrs (top quartile).

Mahindra Liquid Fund

  • Bottom quartile AUM (₹1,231 Cr).
  • Established history (9+ yrs).
  • Not Rated.
  • Risk profile: Low.
  • 1Y return: 6.83% (upper mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.61 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.93% (top quartile).
  • Modified duration: 0.10 yrs (upper mid).

Nippon India Liquid Fund 

  • Upper mid AUM (₹30,965 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.82% (lower mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.30 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.89% (upper mid).
  • Modified duration: 0.11 yrs (bottom quartile).

Mirae Asset Cash Management Fund

  • Upper mid AUM (₹13,791 Cr).
  • Established history (16+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.82% (lower mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.82 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.87% (upper mid).
  • Modified duration: 0.11 yrs (bottom quartile).

ICICI Prudential Liquid Fund

  • Top quartile AUM (₹52,340 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.82% (lower mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.34 (lower mid).
  • Information ratio: -0.74 (bottom quartile).
  • Yield to maturity (debt): 5.87% (lower mid).
  • Modified duration: 0.09 yrs (top quartile).

Kotak Liquid Fund

  • Top quartile AUM (₹40,675 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.81% (lower mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.13 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.94% (top quartile).
  • Modified duration: 0.11 yrs (bottom quartile).

HDFC Liquid Fund

  • Top quartile AUM (₹61,399 Cr).
  • Established history (24+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.81% (lower mid).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.05 (bottom quartile).
  • Information ratio: -0.92 (bottom quartile).
  • Yield to maturity (debt): 5.88% (upper mid).
  • Modified duration: 0.10 yrs (lower mid).

LIC MF Liquid Fund

  • Lower mid AUM (₹13,162 Cr).
  • Established history (23+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.76% (lower mid).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.26 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.87% (lower mid).
  • Modified duration: 0.12 yrs (bottom quartile).

Baroda Pioneer Liquid Fund

  • Lower mid AUM (₹10,150 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.75% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.07 (bottom quartile).
  • Information ratio: -1.18 (bottom quartile).
  • Yield to maturity (debt): 5.88% (upper mid).
  • Modified duration: 0.11 yrs (lower mid).

Bandhan Cash Fund

  • Lower mid AUM (₹13,632 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.75% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.18 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.84% (lower mid).
  • Modified duration: 0.10 yrs (upper mid).

SBI Liquid Fund

  • Highest AUM (₹63,824 Cr).
  • Established history (18+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.74% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 2.79 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.86% (lower mid).
  • Modified duration: 0.10 yrs (upper mid).

JM Liquid Fund

  • Bottom quartile AUM (₹2,695 Cr).
  • Oldest track record among peers (27 yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.74% (bottom quartile).
  • 1M return: 0.47% (bottom quartile).
  • Sharpe: 2.95 (bottom quartile).
  • Information ratio: -2.17 (bottom quartile).
  • Yield to maturity (debt): 5.83% (bottom quartile).
  • Modified duration: 0.10 yrs (lower mid).

IIFL Liquid Fund

  • Bottom quartile AUM (₹910 Cr).
  • Established history (11+ yrs).
  • Not Rated.
  • Risk profile: Low.
  • 1Y return: 6.64% (bottom quartile).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 2.72 (bottom quartile).
  • Information ratio: -2.96 (bottom quartile).
  • Yield to maturity (debt): 5.81% (bottom quartile).
  • Modified duration: 0.10 yrs (upper mid).

IDBI Liquid Fund

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

Sundaram Money Fund

  • Lower mid AUM (₹3,144 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (bottom quartile).
  • 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).

ਵਿਅਕਤੀਆਂ ਅਤੇ ਕਾਰਪੋਰੇਟਾਂ ਵਿਚਕਾਰ ਸੰਪੱਤੀ ਦਾ ਬ੍ਰੇਕ-ਅੱਪ ਇਹ ਦੇਖਣ ਲਈ ਕੁਝ ਮਹੱਤਵਪੂਰਨ ਹੈ ਕਿ ਕੀ ਤਰਲ ਮਿਉਚੁਅਲ ਫੰਡਹੈਂਡਲ ਵੱਡੇ ਛੁਟਕਾਰਾ. ਵੱਡੇ ਛੁਟਕਾਰੇ (ਕਈ ਵਾਰ ਕਾਰਪੋਰੇਟਾਂ ਦੁਆਰਾ 100 ਜਾਂ 1000 ਕਰੋੜ ਰੁਪਏ ਵੀ ਲਏ ਜਾ ਸਕਦੇ ਹਨ) ਪੋਰਟਫੋਲੀਓ 'ਤੇ ਦਬਾਅ ਪਾ ਸਕਦੇ ਹਨ। ਤਰਲਤਾ ਸੰਕਟ ਦੇ ਸਮੇਂ, ਇੰਨੀ ਵੱਡੀ ਮਾਤਰਾ ਲਈ ਖਰੀਦਦਾਰ ਲੱਭਣਾ ਮੁਸ਼ਕਲ ਹੋਵੇਗਾ।

ਵਾਸਤਵ ਵਿੱਚ, ਇਹ ਯਕੀਨੀ ਬਣਾਉਣ ਲਈ ਕਿ ਪੋਰਟਫੋਲੀਓ ਕੀਮਤ 'ਤੇ ਪ੍ਰਭਾਵਤ ਨਾ ਹੋਵੇ, ਤਰਲ ਫੰਡ ਮਾਰਕ ਤੋਂ ਬਜ਼ਾਰ ਤੱਕ ਐਕਰੂਅਲ-ਆਧਾਰਿਤ ਤੱਕ ਚਲੇ ਗਏ।ਲੇਖਾ 2008 ਵਿੱਚ ਲੇਹਮੈਨ ਸੰਕਟ ਤੋਂ ਬਾਅਦ।

ਨਾਲ ਹੀ, ਫੰਡ ਦਾ ਆਕਾਰ ਇੱਥੇ ਨਿਵੇਸ਼ਕਾਂ ਦੀ ਰੱਖਿਆ ਕਰਦਾ ਹੈਛੁਟਕਾਰਾ ਤੋਂ ਦਬਾਅਸੇਬੀ ਇੱਕ ਨਿਯਮ ਹੈ ਕਿ ਇੱਕ ਸਕੀਮ ਵਿੱਚ ਸਭ ਤੋਂ ਵੱਧ ਵਿਅਕਤੀਗਤ ਹੋਲਡਿੰਗ 20% ਤੋਂ ਵੱਧ ਨਹੀਂ ਹੋ ਸਕਦੀ। ਇਸ ਲਈ, ਜ਼ਿਆਦਾਤਰ ਸਕੀਮਾਂ ਨੂੰ ਇੱਕ ਹੱਦ ਤੱਕ ਸੁਰੱਖਿਅਤ ਕੀਤਾ ਜਾਵੇਗਾ.

ਚੋਟੀ ਦੇ 5 ਤਰਲ ਫੰਡ

2022 ਲਈ ਸਭ ਤੋਂ ਵਧੀਆ ਪ੍ਰਦਰਸ਼ਨ ਕਰਨ ਵਾਲੇ ਤਰਲ ਫੰਡ ਹਨ-

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
BOI AXA Liquid Fund Growth ₹3,046.88
↑ 0.38
₹1,8240.51.43.36.97.45.82%1M 10D1M 10D
Axis Liquid Fund Growth ₹2,945.68
↑ 0.38
₹37,1220.51.43.36.97.45.9%1M 9D1M 11D
Indiabulls Liquid Fund Growth ₹2,558.49
↑ 0.35
₹3030.51.43.36.97.45.88%1M 3D1M 3D
PGIM India Insta Cash Fund Growth ₹344.405
↑ 0.05
₹5270.51.43.36.97.35.83%20D22D
Canara Robeco Liquid Growth ₹3,184.26
↑ 0.44
₹8,3100.51.43.36.97.45.82%1M 1D1M 3D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryBOI AXA Liquid FundAxis Liquid FundIndiabulls Liquid Fund PGIM India Insta Cash FundCanara Robeco Liquid
Point 1Lower mid AUM (₹1,824 Cr).Highest AUM (₹37,122 Cr).Bottom quartile AUM (₹303 Cr).Bottom quartile AUM (₹527 Cr).Upper mid AUM (₹8,310 Cr).
Point 2Established history (17+ yrs).Established history (15+ yrs).Established history (13+ yrs).Oldest track record among peers (18 yrs).Established history (17+ yrs).
Point 3Rating: 3★ (bottom quartile).Rating: 4★ (lower mid).Top rated.Rating: 5★ (upper mid).Rating: 3★ (bottom quartile).
Point 4Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.
Point 51Y return: 6.90% (top quartile).1Y return: 6.89% (upper mid).1Y return: 6.88% (lower mid).1Y return: 6.87% (bottom quartile).1Y return: 6.86% (bottom quartile).
Point 61M return: 0.47% (lower mid).1M return: 0.47% (bottom quartile).1M return: 0.49% (top quartile).1M return: 0.47% (upper mid).1M return: 0.47% (bottom quartile).
Point 7Sharpe: 4.59 (top quartile).Sharpe: 3.41 (bottom quartile).Sharpe: 3.54 (lower mid).Sharpe: 3.57 (upper mid).Sharpe: 3.48 (bottom quartile).
Point 8Information ratio: 0.74 (top quartile).Information ratio: 0.00 (lower mid).Information ratio: -1.18 (bottom quartile).Information ratio: -0.64 (bottom quartile).Information ratio: 0.08 (upper mid).
Point 9Yield to maturity (debt): 5.82% (bottom quartile).Yield to maturity (debt): 5.90% (top quartile).Yield to maturity (debt): 5.88% (upper mid).Yield to maturity (debt): 5.83% (lower mid).Yield to maturity (debt): 5.82% (bottom quartile).
Point 10Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.09 yrs (lower mid).Modified duration: 0.06 yrs (top quartile).Modified duration: 0.09 yrs (upper mid).

BOI AXA Liquid Fund

  • Lower mid AUM (₹1,824 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.90% (top quartile).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 4.59 (top quartile).
  • Information ratio: 0.74 (top quartile).
  • Yield to maturity (debt): 5.82% (bottom quartile).
  • Modified duration: 0.11 yrs (bottom quartile).

Axis Liquid Fund

  • Highest AUM (₹37,122 Cr).
  • Established history (15+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.89% (upper mid).
  • 1M return: 0.47% (bottom quartile).
  • Sharpe: 3.41 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.90% (top quartile).
  • Modified duration: 0.11 yrs (bottom quartile).

Indiabulls Liquid Fund

  • Bottom quartile AUM (₹303 Cr).
  • Established history (13+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.88% (lower mid).
  • 1M return: 0.49% (top quartile).
  • Sharpe: 3.54 (lower mid).
  • Information ratio: -1.18 (bottom quartile).
  • Yield to maturity (debt): 5.88% (upper mid).
  • Modified duration: 0.09 yrs (lower mid).

PGIM India Insta Cash Fund

  • Bottom quartile AUM (₹527 Cr).
  • Oldest track record among peers (18 yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.87% (bottom quartile).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.57 (upper mid).
  • Information ratio: -0.64 (bottom quartile).
  • Yield to maturity (debt): 5.83% (lower mid).
  • Modified duration: 0.06 yrs (top quartile).

Canara Robeco Liquid

  • Upper mid AUM (₹8,310 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.86% (bottom quartile).
  • 1M return: 0.47% (bottom quartile).
  • Sharpe: 3.48 (bottom quartile).
  • Information ratio: 0.08 (upper mid).
  • Yield to maturity (debt): 5.82% (bottom quartile).
  • Modified duration: 0.09 yrs (upper mid).

4. ਤਰਲ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਦੀ ਕਾਰਗੁਜ਼ਾਰੀ ਰੇਟਿੰਗ

ਪ੍ਰਦਰਸ਼ਨ ਰੇਟਿੰਗ ਜਦੋਂ ਤੱਕ ਮੌਜੂਦਾ ਪੋਰਟਫੋਲੀਓ ਅਤੇ ਭਵਿੱਖ ਦੇ ਦ੍ਰਿਸ਼ਟੀਕੋਣ ਨੂੰ ਧਿਆਨ ਵਿੱਚ ਨਹੀਂ ਰੱਖਦੇ, ਕੱਲ੍ਹ ਦੇ ਜੇਤੂਆਂ ਨੂੰ ਹਾਰਨ ਵਾਲਿਆਂ ਤੋਂ ਵੱਖਰਾ ਨਹੀਂ ਕਰ ਸਕਣਗੇ। ਇਸ ਲਈ, ਜਦੋਂ ਕਿ ਪਛੜੀਆਂ ਦਿੱਖ ਵਾਲੀਆਂ ਰੇਟਿੰਗਾਂ ਪਿਛਲੇ ਪ੍ਰਦਰਸ਼ਨ ਬਾਰੇ ਇੱਕ ਵਿਚਾਰ ਦੇ ਸਕਦੀਆਂ ਹਨ, ਕੋਈ ਵੀ ਇਹਨਾਂ ਨੂੰ ਇੱਕ ਫੰਡ ਦੀ ਚੋਣ ਨੂੰ ਖਤਮ ਕਰਨ ਲਈ ਸਭ ਤੋਂ ਵਧੀਆ ਮਾਪ ਵਜੋਂ ਵਰਤ ਸਕਦਾ ਹੈ।

ਸਿੱਟਾ

ਤਰਲ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਦੀ ਭਾਲ ਕਰਦੇ ਸਮੇਂ ਕਿਸੇ ਨੂੰ ਕਈ ਕਾਰਕਾਂ ਨੂੰ ਵੇਖਣ ਅਤੇ ਫਿਰ ਸੰਬੰਧਿਤ ਫੰਡ ਦੀ ਚੋਣ ਕਰਨ ਦੀ ਲੋੜ ਹੁੰਦੀ ਹੈ।

ਬੇਦਾਅਵਾ: ਕਿਸੇ ਵੀ ਨਿਵੇਸ਼ ਦਾ ਫੈਸਲਾ ਕਰਨ ਤੋਂ ਪਹਿਲਾਂ ਕਿਰਪਾ ਕਰਕੇ ਆਪਣੇ ਸਲਾਹਕਾਰ ਨਾਲ ਸਲਾਹ ਕਰੋ ਅਤੇ ਸੁਤੰਤਰ ਖੋਜ ਕਰੋ।

Disclaimer:
ਇਹ ਯਕੀਨੀ ਬਣਾਉਣ ਲਈ ਸਾਰੇ ਯਤਨ ਕੀਤੇ ਗਏ ਹਨ ਕਿ ਇੱਥੇ ਦਿੱਤੀ ਗਈ ਜਾਣਕਾਰੀ ਸਹੀ ਹੈ। ਹਾਲਾਂਕਿ, ਡੇਟਾ ਦੀ ਸ਼ੁੱਧਤਾ ਬਾਰੇ ਕੋਈ ਗਾਰੰਟੀ ਨਹੀਂ ਦਿੱਤੀ ਗਈ ਹੈ। ਕਿਰਪਾ ਕਰਕੇ ਕੋਈ ਵੀ ਨਿਵੇਸ਼ ਕਰਨ ਤੋਂ ਪਹਿਲਾਂ ਸਕੀਮ ਜਾਣਕਾਰੀ ਦਸਤਾਵੇਜ਼ ਨਾਲ ਤਸਦੀਕ ਕਰੋ।
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