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5 Best Performing Liquid Mutual Funds SIP Investments 2022

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5 Best Performing Liquid Funds for SIP 2022

Updated on August 14, 2022 , 6131 views

Liquid Funds are considered to be the safest category of debt mutual fund as they have the lowest interest rate and credit risk. Liquid funds invest in debt securities which have maturity, up to 91 days. These funds offer better returns than the Bank Savings Account. In comparison to 4% interest rate of bank accounts, liquid Mutual Funds offer about 7% returns. Additionally, liquid funds are highly liquid, one can redeem their funds within a day. Investors can invest their surplus amount to earn good returns or they can even invest to achieve their short-term Financial goals. For instance, if one needs to buy a gadget or wants to plan a short trip. For better returns, investors can invest in these pre-listed top performing liquid funds via a SIP. Let’s have a look at their latest performances and returns!

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Top 5 Best Performing Liquid Funds for SIP Investments FY 22 - 23

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2021 (%)
BOI AXA Liquid Fund Growth ₹2,468.96
↑ 0.37
₹318 1,000 1.22.13.945.23.3
IDBI Liquid Fund Growth ₹2,310.07
↑ 0.35
₹650 500 1.22.13.84.25.43.4
Baroda Pioneer Liquid Fund Growth ₹2,471.5
↑ 0.36
₹5,830 500 1.22.13.845.33.3
JM Liquid Fund Growth ₹58.724
↑ 0.01
₹1,900 500 1.22.13.845.23.3
Mirae Asset Cash Management Fund Growth ₹2,252.6
↑ 1.32
₹3,472 1,000 1.22.13.845.33.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 Aug 22

*Above is list of best Liquid funds are having AUM/Net Assets above 100 Crore. Sorted on Last 1 Year Return.

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 6.6% since its launch.  Ranked 34 in Liquid Fund category.  Return for 2021 was 3.3% , 2020 was 4.1% and 2019 was 6.4% .

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund
Growth
Launch Date 16 Jul 08
NAV (16 Aug 22) ₹2,468.96 ↑ 0.37   (0.01 %)
Net Assets (Cr) ₹318 on 30 Jun 22
Category Debt - Liquid Fund
AMC BOI AXA Investment Mngrs Private Ltd
Rating
Risk Low
Expense Ratio 0.21
Sharpe Ratio -1.77
Information Ratio -4.83
Alpha Ratio -0.19
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 5.29%
Effective Maturity 1 Month 20 Days
Modified Duration 1 Month 17 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 17₹10,000
31 Jul 18₹10,704
31 Jul 19₹11,485
31 Jul 20₹12,069
31 Jul 21₹12,450
31 Jul 22₹12,918

BOI AXA Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 16 Aug 22

DurationReturns
1 Month 0.4%
3 Month 1.2%
6 Month 2.1%
1 Year 3.9%
3 Year 4%
5 Year 5.2%
10 Year
15 Year
Since launch 6.6%
Historical performance (Yearly) on absolute basis
YearReturns
2021 3.3%
2020 4.1%
2019 6.4%
2018 7.4%
2017 6.7%
2016 7.6%
2015 8.3%
2014 9%
2013 9.3%
2012 8.4%
Fund Manager information for BOI AXA Liquid Fund
NameSinceTenure
Mithraem Bharucha17 Aug 210.96 Yr.

Data below for BOI AXA Liquid Fund as on 30 Jun 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent77.79%
Corporate11.13%
Government11.08%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps
CBLO/Reverse Repo | -
20%₹89 Cr
Repo
CBLO/Reverse Repo | -
8%₹35 Cr
Rural Electrification Corporation Limited
Debentures | -
6%₹25 Cr2,500,000
↑ 2,500,000
Reliance Industries Limited
Debentures | -
6%₹25 Cr2,500,000
Vedanta Limited
Commercial Paper | -
6%₹25 Cr2,500,000
182 Dtb 11082022
Sovereign Bonds | -
6%₹25 Cr2,500,000
L&T Finance Limited
Commercial Paper | -
6%₹25 Cr2,500,000
Punjab National Bank
Certificate of Deposit | -
6%₹25 Cr2,500,000
IIFL Finance Limited
Commercial Paper | -
6%₹25 Cr2,500,000
91 Dtb 08092022
Sovereign Bonds | -
6%₹25 Cr2,500,000

2. IDBI Liquid Fund

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

IDBI Liquid Fund is a Debt - Liquid Fund fund was launched on 9 Jul 10. It is a fund with Low risk and has given a CAGR/Annualized return of 7.2% since its launch.  Ranked 37 in Liquid Fund category.  Return for 2021 was 3.4% , 2020 was 4.5% and 2019 was 6.6% .

Below is the key information for IDBI Liquid Fund

IDBI Liquid Fund
Growth
Launch Date 9 Jul 10
NAV (16 Aug 22) ₹2,310.07 ↑ 0.35   (0.02 %)
Net Assets (Cr) ₹650 on 30 Jun 22
Category Debt - Liquid Fund
AMC IDBI Asset Management Limited
Rating
Risk Low
Expense Ratio 0.17
Sharpe Ratio -1.5
Information Ratio -1.92
Alpha Ratio -0.21
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 4.73%
Effective Maturity 25 Days
Modified Duration 25 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 17₹10,000
31 Jul 18₹10,697
31 Jul 19₹11,494
31 Jul 20₹12,126
31 Jul 21₹12,538
31 Jul 22₹13,006

IDBI Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for IDBI Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Aug 22

DurationReturns
1 Month 0.4%
3 Month 1.2%
6 Month 2.1%
1 Year 3.8%
3 Year 4.2%
5 Year 5.4%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2021 3.4%
2020 4.5%
2019 6.6%
2018 7.5%
2017 6.6%
2016 7.5%
2015 8.3%
2014 9%
2013 9%
2012 9.7%
Fund Manager information for IDBI Liquid Fund
NameSinceTenure
Raju Sharma3 May 175.25 Yr.

Data below for IDBI Liquid Fund as on 30 Jun 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent83.97%
Corporate8.38%
Government7.65%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 13102022
Sovereign Bonds | -
21%₹134 Cr13,608,000
↑ 13,608,000
Treps
CBLO/Reverse Repo | -
10%₹67 Cr
182 Dtb 29092022
Sovereign Bonds | -
9%₹59 Cr6,000,000
↑ 6,000,000
Punjab National Bank
Certificate of Deposit | -
8%₹50 Cr5,000,000
Aditya Birla Money
Commercial Paper | -
8%₹50 Cr5,000,000
KEC International
Commercial Paper | -
8%₹50 Cr5,000,000
Housing Development Finance Corp Ltd.
Commercial Paper | -
8%₹50 Cr5,000,000
Reliance Retail Ventures Limited
Commercial Paper | -
8%₹50 Cr5,000,000
Hdfc Bank Limited
Certificate of Deposit | -
5%₹30 Cr3,000,000
J.K.Cement Limited
Commercial Paper | -
5%₹30 Cr3,000,000
↑ 3,000,000

3. Baroda Pioneer Liquid Fund

To generate income with a high level of liquidity by investing in a portfolio of money market and debt securities.

Baroda Pioneer Liquid Fund is a Debt - Liquid Fund fund was launched on 5 Feb 09. It is a fund with Low risk and has given a CAGR/Annualized return of 6.9% since its launch.  Ranked 22 in Liquid Fund category.  Return for 2021 was 3.3% , 2020 was 4.1% and 2019 was 6.6% .

Below is the key information for Baroda Pioneer Liquid Fund

Baroda Pioneer Liquid Fund
Growth
Launch Date 5 Feb 09
NAV (16 Aug 22) ₹2,471.5 ↑ 0.36   (0.01 %)
Net Assets (Cr) ₹5,830 on 30 Jun 22
Category Debt - Liquid Fund
AMC Baroda Pioneer Asset Management Co. Ltd.
Rating
Risk Low
Expense Ratio 0.31
Sharpe Ratio -2.07
Information Ratio -2.4
Alpha Ratio -0.19
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 5.3%
Effective Maturity 1 Month 17 Days
Modified Duration 1 Month 13 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 17₹10,000
31 Jul 18₹10,702
31 Jul 19₹11,496
31 Jul 20₹12,093
31 Jul 21₹12,485
31 Jul 22₹12,952

Baroda Pioneer Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Baroda Pioneer 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 16 Aug 22

DurationReturns
1 Month 0.4%
3 Month 1.2%
6 Month 2.1%
1 Year 3.8%
3 Year 4%
5 Year 5.3%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2021 3.3%
2020 4.1%
2019 6.6%
2018 7.5%
2017 6.7%
2016 7.8%
2015 8.4%
2014 9.1%
2013 9.2%
2012 9.7%
Fund Manager information for Baroda Pioneer Liquid Fund
NameSinceTenure
Alok Sahoo5 Feb 0913.49 Yr.
Vikram Pamnani14 Mar 220.38 Yr.

Data below for Baroda Pioneer Liquid Fund as on 30 Jun 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent75.57%
Corporate14.88%
Government9.56%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps 18-Jul-2022
CBLO/Reverse Repo | -
8%₹557 Cr
182 Dtb 15092022
Sovereign Bonds | -
5%₹372 Cr37,500,000
HDFC Bank Limited
Certificate of Deposit | -
5%₹348 Cr7,000
↓ -1,420
Indian Oil Corporation Limited
Commercial Paper | -
5%₹348 Cr7,000
↑ 7,000
Canara Bank
Certificate of Deposit | -
4%₹299 Cr6,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
4%₹299 Cr6,000
5.00% Reverse Repo 18-Jul-2022
CBLO/Reverse Repo | -
4%₹250 Cr
4.81% Reverse Repo 18-Jul-2022
CBLO/Reverse Repo | -
4%₹250 Cr
Housing Development Finance Corporation Limited
Commercial Paper | -
4%₹249 Cr5,000
Larsen And Toubro Limited
Commercial Paper | -
3%₹199 Cr4,000

4. JM Liquid Fund

(Erstwhile JM High Liquidity Fund)

To provide income by way of dividend (dividend plans) and capital gains (growth plan) through investing in debt and money market instruments.

JM Liquid Fund is a Debt - Liquid Fund fund was launched on 31 Dec 97. It is a fund with Low risk and has given a CAGR/Annualized return of 7.5% since its launch.  Ranked 3 in Liquid Fund category.  Return for 2021 was 3.3% , 2020 was 4% and 2019 was 6.6% .

Below is the key information for JM Liquid Fund

JM Liquid Fund
Growth
Launch Date 31 Dec 97
NAV (16 Aug 22) ₹58.724 ↑ 0.01   (0.01 %)
Net Assets (Cr) ₹1,900 on 30 Jun 22
Category Debt - Liquid Fund
AMC JM Financial Asset Management Limited
Rating
Risk Low
Expense Ratio 0.2
Sharpe Ratio -2.17
Information Ratio -5.69
Alpha Ratio -0.22
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 5.11%
Effective Maturity 1 Month 11 Days
Modified Duration 1 Month 8 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 17₹10,000
31 Jul 18₹10,697
31 Jul 19₹11,495
31 Jul 20₹12,069
31 Jul 21₹12,455
31 Jul 22₹12,918

JM Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for JM 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 16 Aug 22

DurationReturns
1 Month 0.4%
3 Month 1.2%
6 Month 2.1%
1 Year 3.8%
3 Year 4%
5 Year 5.2%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2021 3.3%
2020 4%
2019 6.6%
2018 7.4%
2017 6.7%
2016 7.7%
2015 8.4%
2014 9.1%
2013 9.3%
2012 9.6%
Fund Manager information for JM Liquid Fund
NameSinceTenure
Shalini Tibrewala31 Dec 9724.6 Yr.
Naghma Khoja21 Oct 210.78 Yr.

Data below for JM Liquid Fund as on 30 Jun 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent77.97%
Corporate12.96%
Government9.06%
Credit Quality
RatingValue
AA0.84%
AAA99.16%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps-Triparty Repo
CBLO/Reverse Repo | -
9%₹170 Cr00
Canara Bank
Certificate of Deposit | -
5%₹99 Cr2,000
Tata Steel Limited
Commercial Paper | -
5%₹99 Cr2,000
↑ 2,000
182 Dtb 04082022
Sovereign Bonds | -
5%₹90 Cr9,000,000
↓ -2,500,000
HDFC Bank Limited
Certificate of Deposit | -
4%₹75 Cr1,500
Tata Capital Financial Services Limited
Debentures | -
3%₹50 Cr500,000
↑ 500,000
Housing Development Finance Corporation Limited
Commercial Paper | -
3%₹50 Cr1,000
Aditya Birla Finance Limited
Commercial Paper | -
3%₹50 Cr1,000
Axis Bank Limited
Certificate of Deposit | -
3%₹50 Cr1,000
Housing Development Finance Corporation Limited
Commercial Paper | -
3%₹50 Cr1,000

5. 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 6.2% since its launch.  Ranked 48 in Liquid Fund category.  Return for 2021 was 3.3% , 2020 was 4.2% and 2019 was 6.6% .

Below is the key information for Mirae Asset Cash Management Fund

Mirae Asset Cash Management Fund
Growth
Launch Date 12 Jan 09
NAV (16 Aug 22) ₹2,252.6 ↑ 1.32   (0.06 %)
Net Assets (Cr) ₹3,472 on 30 Jun 22
Category Debt - Liquid Fund
AMC Mirae Asset Global Inv (India) Pvt. Ltd
Rating
Risk Low
Expense Ratio 0.15
Sharpe Ratio -2.84
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 5.1%
Effective Maturity 1 Month 11 Days
Modified Duration 1 Month 10 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 17₹10,000
31 Jul 18₹10,698
31 Jul 19₹11,486
31 Jul 20₹12,079
31 Jul 21₹12,475
31 Jul 22₹12,936

Mirae Asset Cash Management Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 16 Aug 22

DurationReturns
1 Month 0.4%
3 Month 1.2%
6 Month 2.1%
1 Year 3.8%
3 Year 4%
5 Year 5.3%
10 Year
15 Year
Since launch 6.2%
Historical performance (Yearly) on absolute basis
YearReturns
2021 3.3%
2020 4.2%
2019 6.6%
2018 7.3%
2017 6.6%
2016 7.2%
2015 7.8%
2014 8.7%
2013 8.2%
2012 8%
Fund Manager information for Mirae Asset Cash Management Fund
NameSinceTenure
Mahendra Jajoo8 Sep 165.9 Yr.
Abhishek Iyer28 Dec 201.59 Yr.

Data below for Mirae Asset Cash Management Fund as on 30 Jun 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent72.94%
Government18.61%
Corporate8.44%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Canara Bank
Certificate of Deposit | -
4%₹149 Cr15,000,000
↑ 2,500,000
HDFC Bank Limited
Certificate of Deposit | -
4%₹145 Cr14,500,000
↑ 5,000,000
Treps
CBLO/Reverse Repo | -
3%₹136 Cr
91 Dtb 04082022
Sovereign Bonds | -
3%₹120 Cr12,000,000
↑ 10,000,000
91 Dtb 11082022
Sovereign Bonds | -
3%₹120 Cr12,000,000
BAJAJ HOUSING FINANCE LIMITED
Commercial Paper | -
2%₹100 Cr10,000,000
Treps
CBLO/Reverse Repo | -
2%₹100 Cr
182 Dtb 04082022
Sovereign Bonds | -
2%₹100 Cr10,000,000
Punjab National Bank
Certificate of Deposit | -
2%₹100 Cr10,000,000
Indian Oil Corporation Ltd.
Commercial Paper | -
2%₹99 Cr10,000,000
↑ 10,000,000

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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