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5 Best Performing Liquid Mutual Funds SIP Investments 2020

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5 Best Performing Liquid Funds for SIP 2020

Updated on October 17, 2020 , 1496 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 20 - 21

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2019 (%)
IDBI Liquid Fund Growth ₹2,164.81
↑ 0.22
₹1,340 500 0.92.156.46.76.6
Tata Liquid Fund Growth ₹3,181.88
↑ 0.33
₹15,556 500 0.81.94.86.36.76.6
LIC MF Liquid Fund Growth ₹3,652.46
↑ 0.33
₹7,836 1,000 0.81.94.76.36.66.5
ICICI Prudential Liquid Fund Growth ₹298.95
↑ 0.03
₹44,170 99 0.81.94.76.36.76.6
Nippon India Liquid Fund  Growth ₹4,930.59
↑ 0.46
₹24,930 100 0.81.94.76.46.76.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Oct 20

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

1. 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 7.8% since its launch.  Ranked 37 in Liquid Fund category.  Return for 2019 was 6.6% , 2018 was 7.5% and 2017 was 6.6% .

Below is the key information for IDBI Liquid Fund

IDBI Liquid Fund
Growth
Launch Date 9 Jul 10
NAV (19 Oct 20) ₹2,164.81 ↑ 0.22   (0.01 %)
Net Assets (Cr) ₹1,340 on 30 Sep 20
Category Debt - Liquid Fund
AMC IDBI Asset Management Limited
Rating
Risk Low
Expense Ratio 0.21
Sharpe Ratio 1.53
Information Ratio -1
Alpha Ratio -0.25
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 3.33%
Effective Maturity 2 Months 2 Days
Modified Duration 2 Months 2 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 15₹10,000
30 Sep 16₹10,777
30 Sep 17₹11,496
30 Sep 18₹12,312
30 Sep 19₹13,196
30 Sep 20₹13,873

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 ₹200,132.
Net Profit of ₹20,132
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 19 Oct 20

DurationReturns
1 Month 0.3%
3 Month 0.9%
6 Month 2.1%
1 Year 5%
3 Year 6.4%
5 Year 6.7%
10 Year
15 Year
Since launch 7.8%
Historical performance (Yearly) on absolute basis
YearReturns
2019 6.6%
2018 7.5%
2017 6.6%
2016 7.5%
2015 8.3%
2014 9%
2013 9%
2012 9.7%
2011 8.9%
2010
Fund Manager information for IDBI Liquid Fund
NameSinceTenure
Raju Sharma3 May 173.41 Yr.

Data below for IDBI Liquid Fund as on 30 Sep 20

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent90.36%
Corporate9.64%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 17122020
Sovereign Bonds | -
14%₹194 Cr19,500,000
↑ 19,500,000
91 DTB 24122020
Sovereign Bonds | -
14%₹189 Cr19,000,000
↑ 19,000,000
182 DTB 10122020
Sovereign Bonds | -
9%₹124 Cr12,500,000
↑ 12,500,000
182 DTB 17122020
Sovereign Bonds | -
7%₹99 Cr10,000,000
↑ 10,000,000
182 DTB 19112020
Sovereign Bonds | -
3%₹45 Cr4,500,000
↓ -3,500,000
364 DTB 17122020
Sovereign Bonds | -
1%₹10 Cr1,000,000
↑ 1,000,000
182 DTB 26112020
Sovereign Bonds | -
0%₹5 Cr500,000
↑ 500,000
364 DTB 10122020
Sovereign Bonds | -
0%₹5 Cr500,000
↑ 500,000
Treps
CBLO/Reverse Repo | -
15%₹200 Cr
National Bank For Agriculture And Rural Development
Commercial Paper | -
9%₹124 Cr12,500,000
↑ 12,500,000

2. 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 7.4% since its launch.  Ranked 18 in Liquid Fund category.  Return for 2019 was 6.6% , 2018 was 7.4% and 2017 was 6.7% .

Below is the key information for Tata Liquid Fund

Tata Liquid Fund
Growth
Launch Date 1 Sep 04
NAV (19 Oct 20) ₹3,181.88 ↑ 0.33   (0.01 %)
Net Assets (Cr) ₹15,556 on 30 Sep 20
Category Debt - Liquid Fund
AMC Tata Asset Management Limited
Rating
Risk Low
Expense Ratio 0.34
Sharpe Ratio 0.36
Information Ratio -1.45
Alpha Ratio -0.57
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 0%
Effective Maturity 1 Year 5 Months 5 Days
Modified Duration

Growth of 10,000 investment over the years.

DateValue
30 Sep 15₹10,000
30 Sep 16₹10,788
30 Sep 17₹11,516
30 Sep 18₹12,336
30 Sep 19₹13,219
30 Sep 20₹13,867

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 ₹200,132.
Net Profit of ₹20,132
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 19 Oct 20

DurationReturns
1 Month 0.3%
3 Month 0.8%
6 Month 1.9%
1 Year 4.8%
3 Year 6.3%
5 Year 6.7%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2019 6.6%
2018 7.4%
2017 6.7%
2016 7.7%
2015 8.4%
2014 9.1%
2013 9.3%
2012 9.8%
2011 9%
2010 5%
Fund Manager information for Tata Liquid Fund
NameSinceTenure
Amit Somani16 Oct 136.96 Yr.
Abhishek Sonthalia6 Feb 200.65 Yr.

Data below for Tata Liquid Fund as on 30 Sep 20

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent83.72%
Corporate16.28%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
8.12% Govt Stock 2020
Sovereign Bonds | -
4%₹641 Cr63,500,000
↑ 63,500,000
182 DTB 29102020
Sovereign Bonds | -
3%₹499 Cr50,000,000
↑ 50,000,000
91 DTB 05112020
Sovereign Bonds | -
3%₹498 Cr50,000,000
182 DTB 06112020
Sovereign Bonds | -
3%₹498 Cr50,000,000
↑ 50,000,000
182 DTB 12112020
Sovereign Bonds | -
3%₹498 Cr50,000,000
182 DTB 03122020
Sovereign Bonds | -
3%₹497 Cr50,000,000
↑ 50,000,000
182 DTB 24122020
Sovereign Bonds | -
3%₹496 Cr50,000,000
↑ 50,000,000
91 DTB 29102020
Sovereign Bonds | -
3%₹394 Cr39,500,000
↑ 39,500,000
182 DTB 19112020
Sovereign Bonds | -
2%₹279 Cr28,000,000
↓ -29,500,000
8.51% Gujarat GS 2020
Sovereign Bonds | -
1%₹100 Cr10,000,000

3. LIC MF Liquid Fund

An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through a judicious mix of investment in money market instruments and quality debt instruments. However, there is no assurance that the investment objective of the Scheme will be realised.

LIC MF Liquid Fund is a Debt - Liquid Fund fund was launched on 11 Mar 02. It is a fund with Low risk and has given a CAGR/Annualized return of 7.2% since its launch.  Ranked 25 in Liquid Fund category.  Return for 2019 was 6.5% , 2018 was 7.3% and 2017 was 6.6% .

Below is the key information for LIC MF Liquid Fund

LIC MF Liquid Fund
Growth
Launch Date 11 Mar 02
NAV (19 Oct 20) ₹3,652.46 ↑ 0.33   (0.01 %)
Net Assets (Cr) ₹7,836 on 30 Sep 20
Category Debt - Liquid Fund
AMC LIC Mutual Fund Asset Mgmt Co Ltd
Rating
Risk Low
Expense Ratio 0.24
Sharpe Ratio 0.31
Information Ratio -2.02
Alpha Ratio -0.52
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 3.32%
Effective Maturity 1 Month 8 Days
Modified Duration 1 Month 6 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 15₹10,000
30 Sep 16₹10,785
30 Sep 17₹11,506
30 Sep 18₹12,316
30 Sep 19₹13,183
30 Sep 20₹13,827

LIC MF 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 ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for LIC MF 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 19 Oct 20

DurationReturns
1 Month 0.3%
3 Month 0.8%
6 Month 1.9%
1 Year 4.7%
3 Year 6.3%
5 Year 6.6%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2019 6.5%
2018 7.3%
2017 6.6%
2016 7.6%
2015 8.4%
2014 9%
2013 9.1%
2012 9.3%
2011 8.4%
2010 5.4%
Fund Manager information for LIC MF Liquid Fund
NameSinceTenure
Rahul Singh5 Oct 154.99 Yr.

Data below for LIC MF Liquid Fund as on 30 Sep 20

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent77.11%
Corporate19.71%
Government3.18%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 26112020
Sovereign Bonds | -
6%₹498 Cr50,000,000
↑ 50,000,000
91 DTB 17122020
Sovereign Bonds | -
6%₹497 Cr50,000,000
↑ 50,000,000
91 DTB 22102020
Sovereign Bonds | -
6%₹474 Cr47,500,000
↓ -2,500,000
91 DTB 15102020
Sovereign Bonds | -
3%₹200 Cr20,000,000
8.12% Govt Stock 2020
Sovereign Bonds | -
1%₹71 Cr7,000,000
↑ 7,000,000
Treps
CBLO/Reverse Repo | -
16%₹1,235 Cr
National Bank For Agriculture And Rural Development
Commercial Paper | -
5%₹398 Cr8,000
↑ 8,000
Indian Railway Finance Corporation Limited
Commercial Paper | -
4%₹350 Cr7,000
↑ 7,000
L&T Finance Limited
Commercial Paper | -
4%₹299 Cr6,000
NTPC Limited
Commercial Paper | -
4%₹298 Cr6,000

4. 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 7.6% since its launch.  Ranked 20 in Liquid Fund category.  Return for 2019 was 6.6% , 2018 was 7.4% and 2017 was 6.6% .

Below is the key information for ICICI Prudential Liquid Fund

ICICI Prudential Liquid Fund
Growth
Launch Date 17 Nov 05
NAV (19 Oct 20) ₹298.95 ↑ 0.03   (0.01 %)
Net Assets (Cr) ₹44,170 on 30 Sep 20
Category Debt - Liquid Fund
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Low
Expense Ratio 0.26
Sharpe Ratio 0.3
Information Ratio -2.01
Alpha Ratio -0.59
Min Investment 500
Min SIP Investment 99
Exit Load NIL
Yield to Maturity 3.42%
Effective Maturity 1 Month 13 Days
Modified Duration 1 Month 11 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 15₹10,000
30 Sep 16₹10,789
30 Sep 17₹11,514
30 Sep 18₹12,329
30 Sep 19₹13,213
30 Sep 20₹13,856

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 ₹200,132.
Net Profit of ₹20,132
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 19 Oct 20

DurationReturns
1 Month 0.3%
3 Month 0.8%
6 Month 1.9%
1 Year 4.7%
3 Year 6.3%
5 Year 6.7%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2019 6.6%
2018 7.4%
2017 6.6%
2016 7.7%
2015 8.3%
2014 9.1%
2013 9.3%
2012 9.7%
2011 8.9%
2010 5.5%
Fund Manager information for ICICI Prudential Liquid Fund
NameSinceTenure
Rahul Goswami27 Sep 128.02 Yr.
Rohan Maru19 Sep 137.04 Yr.

Data below for ICICI Prudential Liquid Fund as on 30 Sep 20

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent90.89%
Corporate9.11%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 12112020
Sovereign Bonds | -
10%₹4,483 Cr450,000,000
182 DTB 06112020
Sovereign Bonds | -
7%₹3,095 Cr310,500,000
↑ 160,500,000
91 DTB 22102020
Sovereign Bonds | -
5%₹2,346 Cr235,000,000
91 DTB 24122020
Sovereign Bonds | -
5%₹2,183 Cr220,000,000
↑ 220,000,000
182 DTB 29102020
Sovereign Bonds | -
5%₹2,095 Cr210,000,000
↑ 85,000,000
91 DTB 05112020
Sovereign Bonds | -
4%₹1,794 Cr180,000,000
91 DTB 03122020
Sovereign Bonds | -
3%₹1,353 Cr136,079,700
↑ 136,079,700
91 DTB 29102020
Sovereign Bonds | -
2%₹1,102 Cr110,500,000
↑ 500,000
182 DTB 12112020
Sovereign Bonds | -
2%₹1,091 Cr109,500,000
↑ 11,000,000
182 DTB 22102020
Sovereign Bonds | -
2%₹1,013 Cr101,500,000
↑ 51,500,000

5. Nippon India Liquid Fund 

(Erstwhile Reliance Liquid Fund - Treasury Plan)

The investment objective of the scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

Nippon India Liquid Fund  is a Debt - Liquid Fund fund was launched on 9 Dec 03. It is a fund with Low risk and has given a CAGR/Annualized return of 7.2% since its launch.  Ranked 11 in Liquid Fund category.  Return for 2019 was 6.7% , 2018 was 7.4% and 2017 was 6.7% .

Below is the key information for Nippon India Liquid Fund 

Nippon India Liquid Fund 
Growth
Launch Date 9 Dec 03
NAV (19 Oct 20) ₹4,930.59 ↑ 0.46   (0.01 %)
Net Assets (Cr) ₹24,930 on 30 Sep 20
Category Debt - Liquid Fund
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 0.21
Sharpe Ratio 0.37
Information Ratio -1.58
Alpha Ratio -0.55
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 3.38%
Effective Maturity 1 Month 20 Days
Modified Duration 1 Month 18 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 15₹10,000
30 Sep 16₹10,790
30 Sep 17₹11,518
30 Sep 18₹12,337
30 Sep 19₹13,236
30 Sep 20₹13,882

Nippon India 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 ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Nippon India Liquid Fund 

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Oct 20

DurationReturns
1 Month 0.3%
3 Month 0.8%
6 Month 1.9%
1 Year 4.7%
3 Year 6.4%
5 Year 6.7%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2019 6.7%
2018 7.4%
2017 6.7%
2016 7.7%
2015 8.3%
2014 9.1%
2013 9.2%
2012 9.7%
2011 8.9%
2010 5.3%
Fund Manager information for Nippon India Liquid Fund 
NameSinceTenure
Anju Chhajer1 Oct 137 Yr.
Kinjal Desai25 May 182.35 Yr.

Data below for Nippon India Liquid Fund  as on 30 Sep 20

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent86.16%
Corporate12.66%
Government1.18%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 06112020
Sovereign Bonds | -
10%₹2,437 Cr244,500,000
↑ 244,500,000
91 DTB 10122020
Sovereign Bonds | -
8%₹1,988 Cr200,000,000
↑ 200,000,000
7.80% GOI Floating Rate Bonds 2020
Sovereign Bonds | -
5%₹1,350 Cr135,000,000
↑ 135,000,000
182 DTB 26112020
Sovereign Bonds | -
5%₹1,219 Cr122,500,000
91 DTB 26112020
Sovereign Bonds | -
3%₹846 Cr85,000,000
91 DTB 03122020
Sovereign Bonds | -
3%₹671 Cr67,500,000
↑ 67,500,000
91 DTB 24122020
Sovereign Bonds | -
2%₹571 Cr57,500,000
↑ 57,500,000
182 DTB 03122020
Sovereign Bonds | -
2%₹512 Cr51,500,000
↑ 51,500,000
182 DTB 17122020
Sovereign Bonds | -
2%₹497 Cr50,000,000
↑ 50,000,000
91 DTB 17122020
Sovereign Bonds | -
1%₹248 Cr25,000,000
↑ 25,000,000

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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