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FY 22 - 23 SIP முதலீடுகளுக்கான முதல் 5 சிறந்த செயல்திறன் கொண்ட திரவ நிதிகள்
Top 5 Debt - Liquid Fund Funds

SIP 2022க்கான 5 சிறந்த செயல்திறன் கொண்ட திரவ நிதிகள்

Updated on August 1, 2025 , 9577 views

திரவ நிதிகள் பாதுகாப்பான வகையாக கருதப்படுகிறதுகடன் பரஸ்பர நிதி அவர்கள் குறைந்த வட்டி விகிதம் மற்றும் கடன் அபாயத்தைக் கொண்டிருப்பதால். திரவ நிதிகள் 91 நாட்கள் வரை முதிர்வு கொண்ட கடன் பத்திரங்களில் முதலீடு செய்கின்றன. இந்த நிதிகள் சிறந்த வருமானத்தை வழங்குகின்றனவங்கி சேமிப்பு கணக்கு. வங்கிக் கணக்குகளின் 4% வட்டி விகிதத்துடன் ஒப்பிடுகையில், திரவம்பரஸ்பர நிதி சுமார் 7% வருமானத்தை வழங்குகிறது. கூடுதலாக, திரவ நிதிகள் மிகவும் திரவமாக இருக்கும், ஒரு நாளுக்குள் ஒருவர் தங்கள் நிதியை மீட்டெடுக்க முடியும். முதலீட்டாளர்கள் தங்கள் உபரித் தொகையை நல்ல வருமானத்தைப் பெற முதலீடு செய்யலாம் அல்லது குறுகிய காலத்தை அடைய முதலீடு செய்யலாம்நிதி இலக்குகள். உதாரணமாக, ஒருவர் ஒரு கேஜெட்டை வாங்க வேண்டும் அல்லது ஒரு சிறிய பயணத்தைத் திட்டமிட விரும்பினால். சிறந்த வருமானத்திற்காக, முதலீட்டாளர்கள் இந்த முன் பட்டியலிடப்பட்ட சிறந்த செயல்திறன் கொண்ட திரவ நிதிகளில் முதலீடு செய்யலாம்எஸ்ஐபி. அவர்களின் சமீபத்திய நிகழ்ச்சிகள் மற்றும் வருவாய்களைப் பார்ப்போம்!

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FY 22 - 23 SIP முதலீடுகளுக்கான முதல் 5 சிறந்த செயல்திறன் கொண்ட திரவ நிதிகள்

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
BOI AXA Liquid Fund Growth	₹3,023.2 ↑ 0.46	₹2,088	1,000	1.6	3.4	7.1	7.1	5.6	7.4
Indiabulls Liquid Fund Growth	₹2,538.71 ↑ 0.77	₹328	500	1.6	3.4	7.1	6.9	5.4	7.4
Tata Liquid Fund Growth	₹4,134.61 ↑ 0.63	₹23,368	500	1.6	3.4	7	7	5.5	7.3
Mirae Asset Cash Management Fund Growth	₹2,752.64 ↑ 0.42	₹11,238	1,000	1.5	3.4	7	7	5.6	7.3
ICICI Prudential Liquid Fund Growth	₹388.6 ↑ 0.06	₹49,517	99	1.5	3.4	7	7	5.5	7.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Aug 25

*மேலே சிறந்த பட்டியல்திரவம் நிதிகள் மேலே AUM/நிகர சொத்துக்களைக் கொண்டுள்ளன100 கோடி. வரிசைப்படுத்தப்பட்டதுகடந்த 1 வருட வருவாய்.

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.

BOI AXA Liquid Fund is a Debt - Liquid Fund fund was launched on 16 Jul 08. It is a fund with Low risk and has given a CAGR/Annualized return of 6.7% since its launch. Ranked 34 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.9% .

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund Growth
Launch Date	16 Jul 08
NAV (03 Aug 25)	₹3,023.2 ↑ 0.46 (0.02 %)
Net Assets (Cr)	₹2,088 on 30 Jun 25
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.1
Sharpe Ratio	4.68
Information Ratio	0.31
Alpha Ratio	0.01
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	5.85%
Effective Maturity	1 Month 24 Days
Modified Duration	1 Month 28 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 3 Aug 25

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.4%
1 Year	7.1%
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 30 Jun 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.

Indiabulls Liquid Fund is a Debt - Liquid Fund fund was launched on 27 Oct 11. It is a fund with Low risk and has given a CAGR/Annualized return of 7% since its launch. Ranked 2 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 6.8% and 2022 was 4.6% .

Below is the key information for Indiabulls Liquid Fund

Indiabulls Liquid Fund Growth
Launch Date	27 Oct 11
NAV (03 Aug 25)	₹2,538.71 ↑ 0.77 (0.03 %)
Net Assets (Cr)	₹328 on 15 Jul 25
Category	Debt - Liquid Fund
AMC	Indiabulls Asset Management Company Ltd.
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	3.32
Information Ratio	-1.49
Alpha Ratio	-0.1
Min Investment	500
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	5.87%
Effective Maturity	1 Month 29 Days
Modified Duration	1 Month 28 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 3 Aug 25

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.4%
1 Year	7.1%
3 Year	6.9%
5 Year	5.4%
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 15 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.

Tata Liquid Fund is a Debt - Liquid Fund fund was launched on 1 Sep 04. It is a fund with Low risk and has given a CAGR/Annualized return of 7% since its launch. Ranked 18 in Liquid Fund category. Return for 2024 was 7.3% , 2023 was 7% and 2022 was 4.8% .

Below is the key information for Tata Liquid Fund

Tata Liquid Fund Growth
Launch Date	1 Sep 04
NAV (03 Aug 25)	₹4,134.61 ↑ 0.63 (0.02 %)
Net Assets (Cr)	₹23,368 on 30 Jun 25
Category	Debt - Liquid Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0
Sharpe Ratio	3.53
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6%
Effective Maturity	2 Months
Modified Duration	2 Months

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 3 Aug 25

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.4%
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 30 Jun 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.

Mirae Asset Cash Management Fund is a Debt - Liquid Fund fund was launched on 12 Jan 09. It is a fund with Low risk and has given a CAGR/Annualized return of 6.3% since its launch. Ranked 48 in Liquid Fund category. Return for 2024 was 7.3% , 2023 was 7% and 2022 was 4.8% .

Below is the key information for Mirae Asset Cash Management Fund

Mirae Asset Cash Management Fund Growth
Launch Date	12 Jan 09
NAV (03 Aug 25)	₹2,752.64 ↑ 0.42 (0.02 %)
Net Assets (Cr)	₹11,238 on 30 Jun 25
Category	Debt - Liquid Fund
AMC	Mirae Asset Global Inv (India) Pvt. Ltd
Rating	☆☆
Risk	Low
Expense Ratio	0.15
Sharpe Ratio	3.96
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	5.93%
Effective Maturity	2 Months 1 Day
Modified Duration	1 Month 28 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 3 Aug 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.4%
1 Year	7%
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 30 Jun 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. ICICI Prudential Liquid Fund

(Erstwhile ICICI Prudential Liquid Plan)

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

ICICI Prudential Liquid Fund is a Debt - Liquid Fund fund was launched on 17 Nov 05. It is a fund with Low risk and has given a CAGR/Annualized return of 7.1% since its launch. Ranked 20 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.8% .

Below is the key information for ICICI Prudential Liquid Fund

ICICI Prudential Liquid Fund Growth
Launch Date	17 Nov 05
NAV (03 Aug 25)	₹388.6 ↑ 0.06 (0.02 %)
Net Assets (Cr)	₹49,517 on 30 Jun 25
Category	Debt - Liquid Fund
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.29
Sharpe Ratio	3.5
Information Ratio	-1
Alpha Ratio	-0.1
Min Investment	500
Min SIP Investment	99
Exit Load	NIL
Yield to Maturity	5.95%
Effective Maturity	1 Month 30 Days
Modified Duration	1 Month 25 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹10,318
31 Jul 22	₹10,692
31 Jul 23	₹11,394
31 Jul 24	₹12,227
31 Jul 25	₹13,086

ICICI Prudential 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 ICICI Prudential Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.4%
1 Year	7%
3 Year	7%
5 Year	5.5%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7%
2022	4.8%
2021	3.2%
2020	4.3%
2019	6.6%
2018	7.4%
2017	6.6%
2016	7.7%
2015	8.3%

Fund Manager information for ICICI Prudential Liquid Fund

Name	Since	Tenure
Nikhil Kabra	1 Dec 23	1.67 Yr.
Darshil Dedhia	12 Jun 23	2.14 Yr.

Data below for ICICI Prudential Liquid Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	99.76%
Other	0.24%

Debt Sector Allocation

Sector	Value
Cash Equivalent	84.77%
Government	7.68%
Corporate	7.31%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
91 Days Tbill Red 21-08-2025 Sovereign Bonds \| -	6%	₹3,183 Cr	320,000,000
Bank of India Ltd. Debentures \| -	3%	₹1,490 Cr	30,000
Reverse Repo ( 7/16/2025 ) CBLO/Reverse Repo \| -	2%	₹1,348 Cr
Reliance Retail Ventures Limited Commercial Paper \| -	2%	₹1,244 Cr	25,000
Reliance Retail Ventures Limited Commercial Paper \| -	2%	₹1,243 Cr	25,000
Small Industries Development Bank Of India Commercial Paper \| -	2%	₹1,242 Cr	25,000
India (Republic of) - \| -	2%	₹1,241 Cr	125,000,000
Treps CBLO/Reverse Repo \| -	2%	₹1,063 Cr
Punjab National Bank Certificate of Deposit \| -	2%	₹996 Cr	20,000
Indian Bank Certificate of Deposit \| -	2%	₹995 Cr	20,000

Disclaimer:
இங்கு வழங்கப்பட்ட தகவல்கள் துல்லியமானவை என்பதை உறுதிப்படுத்த அனைத்து முயற்சிகளும் மேற்கொள்ளப்பட்டுள்ளன. இருப்பினும், தரவுகளின் சரியான தன்மை குறித்து எந்த உத்தரவாதமும் அளிக்கப்படவில்லை. முதலீடு செய்வதற்கு முன் திட்டத் தகவல் ஆவணத்துடன் சரிபார்க்கவும்.