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5 Best Performing Liquid Mutual Funds SIP Investments 2025

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5 Best Performing Liquid Funds for SIP 2025

Updated on June 5, 2025 , 9503 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 25 - 26

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
BOI AXA Liquid Fund Growth ₹2,996.1
↑ 1.67
₹1,882 1,000 1.93.67.375.57.4
Indiabulls Liquid Fund Growth ₹2,516.45
↑ 1.68
₹142 500 1.93.77.36.85.37.4
Tata Liquid Fund Growth ₹4,097.88
↑ 2.53
₹21,425 500 1.93.67.36.95.57.3
Mirae Asset Cash Management Fund Growth ₹2,728.35
↑ 1.54
₹12,485 1,000 1.93.67.36.95.57.3
ICICI Prudential Liquid Fund Growth ₹385.177
↑ 0.20
₹53,193 99 1.93.67.36.95.57.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Jun 25

*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 6.7% 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 (06 Jun 25) ₹2,996.1 ↑ 1.67   (0.06 %)
Net Assets (Cr) ₹1,882 on 30 Apr 25
Category Debt - Liquid Fund
AMC BOI AXA Investment Mngrs Private Ltd
Rating
Risk Low
Expense Ratio 0.1
Sharpe Ratio 4
Information Ratio 0.12
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.39%
Effective Maturity 1 Month 17 Days
Modified Duration 1 Month 20 Days

Growth of 10,000 investment over the years.

DateValue
31 May 20₹10,000
31 May 21₹10,318
31 May 22₹10,679
31 May 23₹11,350
31 May 24₹12,183
31 May 25₹13,074

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 6 Jun 25

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.6%
1 Year 7.3%
3 Year 7%
5 Year 5.5%
10 Year
15 Year
Since launch 6.7%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Mithraem Bharucha17 Aug 213.79 Yr.

Data below for BOI AXA Liquid Fund as on 30 Apr 25

Asset Allocation
Asset ClassValue
Cash99.79%
Other0.21%
Debt Sector Allocation
SectorValue
Cash Equivalent85.94%
Government12.12%
Corporate1.73%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Repo
CBLO/Reverse Repo | -
9%₹172 Cr
Net Receivables / (Payables)
Net Current Assets | -
5%-₹97 Cr
91 Days Tbill Red 12-06-2025
Sovereign Bonds | -
4%₹75 Cr7,500,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
4%₹74 Cr7,500,000
India (Republic of)
- | -
4%₹74 Cr7,500,000
↑ 7,500,000
India (Republic of)
- | -
4%₹74 Cr7,455,000
Bajaj Finance Limited
Commercial Paper | -
3%₹50 Cr5,000,000
Icici Securities Primary Dealership Ltd
Commercial Paper | -
3%₹50 Cr5,000,000
Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -
3%₹50 Cr5,000,000
Small Industries Dev Bank Of India**
Commercial Paper | -
3%₹50 Cr5,000,000

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 (06 Jun 25) ₹2,516.45 ↑ 1.68   (0.07 %)
Net Assets (Cr) ₹142 on 30 Apr 25
Category Debt - Liquid Fund
AMC Indiabulls Asset Management Company Ltd.
Rating
Risk Low
Expense Ratio 0.25
Sharpe Ratio 2.75
Information Ratio -1.78
Alpha Ratio -0.12
Min Investment 500
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.42%
Effective Maturity 1 Month 19 Days
Modified Duration 1 Month 18 Days

Growth of 10,000 investment over the years.

DateValue
31 May 20₹10,000
31 May 21₹10,312
31 May 22₹10,639
31 May 23₹11,265
31 May 24₹12,080
31 May 25₹12,957

Indiabulls 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 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 6 Jun 25

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.7%
1 Year 7.3%
3 Year 6.8%
5 Year 5.3%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Kaustubh Sule11 May 232.06 Yr.

Data below for Indiabulls Liquid Fund as on 30 Apr 25

Asset Allocation
Asset ClassValue
Cash99.75%
Other0.25%
Debt Sector Allocation
SectorValue
Cash Equivalent66.35%
Government20.01%
Corporate13.39%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Export-Import Bank Of India
Commercial Paper | -
9%₹20 Cr2,000,000
↑ 500,000
India (Republic of)
- | -
9%₹20 Cr2,000,000
↑ 1,000,000
Punjab National Bank
Domestic Bonds | -
9%₹20 Cr2,000,000
↑ 2,000,000
Indian Oil Corp Ltd.
Commercial Paper | -
7%₹15 Cr1,500,000
↑ 1,500,000
National Bank For Agriculture And Rural Development (10/06/2025) **
Commercial Paper | -
6%₹14 Cr1,425,000
Small Industries Development Bank Of India
Debentures | -
4%₹10 Cr1,000,000
Bank Of Baroda
Certificate of Deposit | -
4%₹10 Cr1,000,000
Icici Securities Limited (Earlier Icici Brokerage Services Limited)
Commercial Paper | -
4%₹10 Cr1,000,000
HDFC Securities Limited
Commercial Paper | -
4%₹10 Cr1,000,000
Axis Bank Limited
Certificate of Deposit | -
4%₹10 Cr1,000,000
↑ 1,000,000

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 (06 Jun 25) ₹4,097.88 ↑ 2.53   (0.06 %)
Net Assets (Cr) ₹21,425 on 30 Apr 25
Category Debt - Liquid Fund
AMC Tata Asset Management Limited
Rating
Risk Low
Expense Ratio 0
Sharpe Ratio 2.8
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.54%
Effective Maturity 1 Month 7 Days
Modified Duration 1 Month 7 Days

Growth of 10,000 investment over the years.

DateValue
31 May 20₹10,000
31 May 21₹10,320
31 May 22₹10,673
31 May 23₹11,330
31 May 24₹12,149
31 May 25₹13,027

Tata 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 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 6 Jun 25

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.6%
1 Year 7.3%
3 Year 6.9%
5 Year 5.5%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Amit Somani16 Oct 1311.63 Yr.
Abhishek Sonthalia6 Feb 205.32 Yr.
Harsh Dave1 Aug 240.83 Yr.

Data below for Tata Liquid Fund as on 30 Apr 25

Asset Allocation
Asset ClassValue
Cash99.7%
Other0.3%
Debt Sector Allocation
SectorValue
Cash Equivalent85.17%
Corporate13.62%
Government0.92%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Punjab National Bank ** #
Certificate of Deposit | -
6%₹1,367 Cr27,500
364 DTB
Sovereign Bonds | -
5%₹1,140 Cr114,500,000
Bank Of Baroda
Certificate of Deposit | -
5%₹996 Cr20,000
Indian Oil Corp Ltd.
Commercial Paper | -
5%₹994 Cr20,000
ICICI Securities Limited**
Commercial Paper | -
4%₹871 Cr17,500
↓ -4,000
91 Days Tbill Red 19-06-2025
Sovereign Bonds | -
4%₹806 Cr81,000,000
Small Industries Dev Bank Of India (05/06/2025) **
Commercial Paper | -
3%₹747 Cr15,000
National Bank For Agriculture And Rural Development (10/06/2025) **
Commercial Paper | -
3%₹747 Cr15,000
Godrej Consumer Products Ltd.
Commercial Paper | -
3%₹739 Cr15,000
↑ 15,000
Bank of Baroda
Debentures | -
3%₹739 Cr15,000
↑ 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 (06 Jun 25) ₹2,728.35 ↑ 1.54   (0.06 %)
Net Assets (Cr) ₹12,485 on 15 Apr 25
Category Debt - Liquid Fund
AMC Mirae Asset Global Inv (India) Pvt. Ltd
Rating
Risk Low
Expense Ratio 0.15
Sharpe Ratio 3.3
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.42%
Effective Maturity 1 Month 18 Days
Modified Duration 1 Month 13 Days

Growth of 10,000 investment over the years.

DateValue
31 May 20₹10,000
31 May 21₹10,330
31 May 22₹10,689
31 May 23₹11,354
31 May 24₹12,177
31 May 25₹13,057

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 6 Jun 25

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.6%
1 Year 7.3%
3 Year 6.9%
5 Year 5.5%
10 Year
15 Year
Since launch 6.3%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Amit Modani1 Nov 240.58 Yr.

Data below for Mirae Asset Cash Management Fund as on 15 Apr 25

Asset Allocation
Asset ClassValue
Cash99.78%
Other0.22%
Debt Sector Allocation
SectorValue
Cash Equivalent76.46%
Corporate13.49%
Government9.82%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps
CBLO/Reverse Repo | -
4%₹449 Cr
91 Days Tbill Red 12-06-2025
Sovereign Bonds | -
4%₹448 Cr45,000,000
India (Republic of)
- | -
3%₹445 Cr45,000,000
↑ 30,000,000
182 DTB 27062025
Sovereign Bonds | -
3%₹373 Cr37,500,000
HDFC Bank Ltd. ** #
Certificate of Deposit | -
2%₹299 Cr30,000,000
National Bank for Agriculture and Rural Development
Commercial Paper | -
2%₹298 Cr30,000,000
India (Republic of)
- | -
2%₹297 Cr30,000,000
India (Republic of)
- | -
2%₹272 Cr27,500,000
Axis Bank Limited
Certificate of Deposit | -
2%₹249 Cr25,000,000
Bank Of Baroda
Certificate of Deposit | -
2%₹249 Cr25,000,000

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 (06 Jun 25) ₹385.177 ↑ 0.20   (0.05 %)
Net Assets (Cr) ₹53,193 on 30 Apr 25
Category Debt - Liquid Fund
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Low
Expense Ratio 0.29
Sharpe Ratio 2.92
Information Ratio -1.27
Alpha Ratio -0.11
Min Investment 500
Min SIP Investment 99
Exit Load NIL
Yield to Maturity 6.55%
Effective Maturity 1 Month 15 Days
Modified Duration 1 Month 11 Days

Growth of 10,000 investment over the years.

DateValue
31 May 20₹10,000
31 May 21₹10,324
31 May 22₹10,675
31 May 23₹11,337
31 May 24₹12,158
31 May 25₹13,037

ICICI Prudential 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 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 6 Jun 25

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.6%
1 Year 7.3%
3 Year 6.9%
5 Year 5.5%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Nikhil Kabra1 Dec 231.5 Yr.
Darshil Dedhia12 Jun 231.97 Yr.

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

Asset Allocation
Asset ClassValue
Cash99.75%
Other0.25%
Debt Sector Allocation
SectorValue
Cash Equivalent83.39%
Corporate10.81%
Government5.55%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 Days Tbill Red 12-06-2025
Sovereign Bonds | -
7%₹3,794 Cr381,000,000
↓ -19,000,000
91 Days Tbill Red 19-06-2025
Sovereign Bonds | -
5%₹2,487 Cr250,000,000
Punjab National Bank ** #
Certificate of Deposit | -
4%₹2,237 Cr45,000
Small Industries Development Bank of India
Commercial Paper | -
3%₹1,487 Cr30,000
India (Republic of)
- | -
2%₹1,189 Cr120,000,000
Treps
CBLO/Reverse Repo | -
2%₹1,010 Cr
Punjab National Bank **
Net Current Assets | -
2%₹984 Cr20,000
↑ 20,000
National Bk For Agriculture & Rural Dev. **
Commercial Paper | -
2%₹896 Cr18,000
Rbl Bank Limited
Certificate of Deposit | -
2%₹896 Cr18,000
Bajaj Financial Securities Limited
Commercial Paper | -
1%₹795 Cr16,000

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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