+91-22-489139095 Best Performing Liquid Funds for SIP 2025
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!
Talk to our investment specialist
Top 5 Best Performing Liquid Funds for SIP Investments FY 25 - 26
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) BOI AXA Liquid Fund Growth ₹3,091.5
↑ 0.73 ₹1,426 1,000 1.5 2.9 6.6 7 5.8 7.4 Indiabulls Liquid Fund Growth ₹2,595.62
↑ 0.53 ₹183 500 1.4 2.9 6.6 6.9 5.7 7.4 IDBI Liquid Fund Growth ₹2,454.04
↑ 0.35 ₹503 500 1.7 3.4 6.6 4.5 5.3 Tata Liquid Fund Growth ₹4,226.95
↑ 0.85 ₹22,790 500 1.4 2.9 6.5 6.9 5.7 7.3 Nippon India Liquid Fund Growth ₹6,549.02
↑ 1.38 ₹27,702 100 1.4 2.9 6.5 6.9 5.7 7.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Dec 25 Research Highlights & Commentary of 5 Funds showcased
Commentary BOI AXA Liquid Fund Indiabulls Liquid Fund IDBI Liquid Fund Tata Liquid Fund Nippon India Liquid Fund Point 1 Lower mid AUM (₹1,426 Cr). Bottom quartile AUM (₹183 Cr). Bottom quartile AUM (₹503 Cr). Upper mid AUM (₹22,790 Cr). Highest AUM (₹27,702 Cr). Point 2 Established history (17+ yrs). Established history (14+ yrs). Established history (15+ yrs). Established history (21+ yrs). Oldest track record among peers (22 yrs). Point 3 Rating: 3★ (bottom quartile). Top rated. Rating: 3★ (bottom quartile). Rating: 4★ (upper mid). Rating: 4★ (lower mid). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.60% (top quartile). 1Y return: 6.59% (upper mid). 1Y return: 6.55% (lower mid). 1Y return: 6.55% (bottom quartile). 1Y return: 6.53% (bottom quartile). Point 6 1M return: 0.47% (upper mid). 1M return: 0.46% (lower mid). 1M return: 0.53% (top quartile). 1M return: 0.46% (bottom quartile). 1M return: 0.46% (bottom quartile). Point 7 Sharpe: 3.84 (top quartile). Sharpe: 3.30 (upper mid). Sharpe: 0.20 (bottom quartile). Sharpe: 3.10 (lower mid). Sharpe: 2.90 (bottom quartile). Point 8 Information ratio: 1.15 (top quartile). Information ratio: -0.88 (bottom quartile). Information ratio: -5.96 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Point 9 Yield to maturity (debt): 5.94% (bottom quartile). Yield to maturity (debt): 5.88% (bottom quartile). Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 6.04% (upper mid). Yield to maturity (debt): 6.03% (lower mid). Point 10 Modified duration: 0.14 yrs (bottom quartile). Modified duration: 0.14 yrs (bottom quartile). Modified duration: 0.10 yrs (top quartile). Modified duration: 0.13 yrs (upper mid). Modified duration: 0.13 yrs (lower mid). BOI AXA Liquid Fund
Indiabulls Liquid Fund
IDBI Liquid Fund
Tata Liquid Fund
Nippon India Liquid Fund
*Above is list of best Liquid funds are having AUM/Net Assets above 100 Crore. Sorted on Last 1 Year Return.
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. Below is the key information for BOI AXA Liquid Fund Returns up to 1 year are on 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. Research Highlights for Indiabulls Liquid Fund Below is the key information for Indiabulls Liquid Fund Returns up to 1 year are on 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. Research Highlights for IDBI Liquid Fund Below is the key information for IDBI Liquid Fund Returns up to 1 year are on (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. Research Highlights for Tata Liquid Fund Below is the key information for Tata Liquid Fund Returns up to 1 year are on (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. Research Highlights for Nippon India Liquid Fund Below is the key information for Nippon India Liquid Fund Returns up to 1 year are on 1. BOI AXA Liquid Fund
BOI AXA Liquid Fund
Growth Launch Date 16 Jul 08 NAV (24 Dec 25) ₹3,091.5 ↑ 0.73 (0.02 %) Net Assets (Cr) ₹1,426 on 30 Nov 25 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.13 Sharpe Ratio 3.84 Information Ratio 1.15 Alpha Ratio 0.07 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 5.94% Effective Maturity 1 Month 20 Days Modified Duration 1 Month 20 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹10,320 30 Nov 22 ₹10,799 30 Nov 23 ₹11,556 30 Nov 24 ₹12,418 30 Nov 25 ₹13,245 Returns for BOI AXA Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 25 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 2.9% 1 Year 6.6% 3 Year 7% 5 Year 5.8% 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 4.29 Yr. Data below for BOI AXA Liquid Fund as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 99.62% Other 0.38% Debt Sector Allocation
Sector Value Cash Equivalent 54.05% Corporate 24.38% Government 21.19% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Repo
CBLO/Reverse Repo | -7% ₹101 Cr India (Republic of)
- | -7% ₹99 Cr 10,000,000
↑ 10,000,000 Bank of Baroda
Debentures | -7% ₹99 Cr 10,000,000
↓ -500,000 India (Republic of)
- | -5% ₹74 Cr 7,500,000
↑ 7,500,000 India (Republic of)
- | -4% ₹55 Cr 5,500,000
↑ 5,500,000 Indian Bank
Certificate of Deposit | -4% ₹50 Cr 5,000,000 Punjab National Bank
Certificate of Deposit | -4% ₹50 Cr 5,000,000 Bajaj Finance Limited
Commercial Paper | -4% ₹50 Cr 5,000,000 Power Finance Corporation Limited
Commercial Paper | -3% ₹50 Cr 5,000,000 Canara Bank
Certificate of Deposit | -3% ₹50 Cr 5,000,000 2. Indiabulls Liquid Fund
Indiabulls Liquid Fund
Growth Launch Date 27 Oct 11 NAV (24 Dec 25) ₹2,595.62 ↑ 0.53 (0.02 %) Net Assets (Cr) ₹183 on 15 Dec 25 Category Debt - Liquid Fund AMC Indiabulls Asset Management Company Ltd. Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.2 Sharpe Ratio 3.3 Information Ratio -0.88 Alpha Ratio 0.03 Min Investment 500 Min SIP Investment 500 Exit Load NIL Yield to Maturity 5.88% Effective Maturity 1 Month 21 Days Modified Duration 1 Month 20 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹10,310 30 Nov 22 ₹10,755 30 Nov 23 ₹11,474 30 Nov 24 ₹12,318 30 Nov 25 ₹13,139 Returns for Indiabulls Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 25 Duration Returns 1 Month 0.5% 3 Month 1.4% 6 Month 2.9% 1 Year 6.6% 3 Year 6.9% 5 Year 5.7% 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 2.56 Yr. Data below for Indiabulls Liquid Fund as on 15 Dec 25
Asset Allocation
Asset Class Value Cash 99.62% Other 0.38% Debt Sector Allocation
Sector Value Cash Equivalent 52.25% Corporate 39.27% Government 8.1% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reverse Repo 16-Dec-25
CBLO/Reverse Repo | -36% ₹66 Cr Bank Of Baroda
Certificate of Deposit | -9% ₹17 Cr 1,750,000
↑ 1,750,000 Small Industries Development Bank Of India
Debentures | -8% ₹15 Cr 1,500,000 Union Bank Of India
Certificate of Deposit | -8% ₹15 Cr 1,500,000 Net Receivable/Payable
Net Current Assets | -8% -₹15 Cr Kotak Mahindra Bank Limited
Certificate of Deposit | -8% ₹15 Cr 1,500,000 India (Republic of)
- | -8% ₹15 Cr 1,500,000
↑ 1,500,000 Indian Bank
Certificate of Deposit | -8% ₹15 Cr 1,500,000
↑ 1,500,000 L&T Finance Limited
Commercial Paper | -8% ₹14 Cr 1,400,000 Bank Of India
Certificate of Deposit | -5% ₹10 Cr 1,000,000 3. IDBI Liquid Fund
IDBI Liquid Fund
Growth Launch Date 9 Jul 10 NAV (28 Jul 23) ₹2,454.04 ↑ 0.35 (0.01 %) Net Assets (Cr) ₹503 on 30 Jun 23 Category Debt - Liquid Fund AMC IDBI Asset Management Limited Rating ☆☆☆ Risk Low Expense Ratio 0.17 Sharpe Ratio 0.2 Information Ratio -5.96 Alpha Ratio -0.21 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.66% Effective Maturity 1 Month 10 Days Modified Duration 1 Month 7 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹10,335 30 Nov 22 ₹10,812 Returns for IDBI Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 25 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.4% 1 Year 6.6% 3 Year 4.5% 5 Year 5.3% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for IDBI Liquid Fund
Name Since Tenure Data below for IDBI Liquid Fund as on 30 Jun 23
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 4. Tata Liquid Fund
Tata Liquid Fund
Growth Launch Date 1 Sep 04 NAV (24 Dec 25) ₹4,226.95 ↑ 0.85 (0.02 %) Net Assets (Cr) ₹22,790 on 15 Dec 25 Category Debt - Liquid Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.39 Sharpe Ratio 3.1 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.04% Effective Maturity 1 Month 15 Days Modified Duration 1 Month 15 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹10,316 30 Nov 22 ₹10,779 30 Nov 23 ₹11,524 30 Nov 24 ₹12,370 30 Nov 25 ₹13,188 Returns for Tata Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 25 Duration Returns 1 Month 0.5% 3 Month 1.4% 6 Month 2.9% 1 Year 6.5% 3 Year 6.9% 5 Year 5.7% 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 12.13 Yr. Harsh Dave 1 Aug 24 1.33 Yr. Data below for Tata Liquid Fund as on 15 Dec 25
Asset Allocation
Asset Class Value Cash 99.71% Other 0.29% Debt Sector Allocation
Sector Value Cash Equivalent 70.59% Corporate 17.29% Government 11.82% Credit Quality
Rating Value AA 0.66% AAA 99.34% Top Securities Holdings / Portfolio
Name Holding Value Quantity Small Industries Development Bank Of India
Commercial Paper | -7% ₹1,589 Cr 32,000
↓ -2,000 India (Republic of)
- | -5% ₹1,175 Cr 118,000,000
↓ -10,000,000 Punjab National Bank
Certificate of Deposit | -4% ₹990 Cr 20,000 India (Republic of)
- | -4% ₹835 Cr 84,000,000 Union Bank Of India
Certificate of Deposit | -3% ₹794 Cr 16,000 Indian Oil Corporation Limited
Commercial Paper | -3% ₹650 Cr 13,000 Bank of India Ltd.
Debentures | -3% ₹643 Cr 13,000 364 DTB 12022026
Sovereign Bonds | -3% ₹595 Cr 60,000,000
↑ 60,000,000 Aditya Birla Housing Finance Limited
Commercial Paper | -3% ₹595 Cr 12,000 ** - Bajaj Finance Ltd - Cp - 05/03/2026
Net Current Assets | -3% ₹592 Cr 12,000
↑ 12,000 5. Nippon India Liquid Fund
Nippon India Liquid Fund
Growth Launch Date 9 Dec 03 NAV (24 Dec 25) ₹6,549.02 ↑ 1.38 (0.02 %) Net Assets (Cr) ₹27,702 on 15 Dec 25 Category Debt - Liquid Fund AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Low Expense Ratio 0.33 Sharpe Ratio 2.9 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.03% Effective Maturity 1 Month 17 Days Modified Duration 1 Month 15 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹10,317 30 Nov 22 ₹10,781 30 Nov 23 ₹11,526 30 Nov 24 ₹12,373 30 Nov 25 ₹13,188 Returns for Nippon India Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 25 Duration Returns 1 Month 0.5% 3 Month 1.4% 6 Month 2.9% 1 Year 6.5% 3 Year 6.9% 5 Year 5.7% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.3% 2023 7% 2022 4.8% 2021 3.2% 2020 4.3% 2019 6.7% 2018 7.4% 2017 6.7% 2016 7.7% 2015 8.3% Fund Manager information for Nippon India Liquid Fund
Name Since Tenure Kinjal Desai 25 May 18 7.53 Yr. Vikash Agarwal 14 Sep 24 1.21 Yr. Lokesh Maru 5 Sep 25 0.24 Yr. Divya Sharma 5 Sep 25 0.24 Yr. Data below for Nippon India Liquid Fund as on 15 Dec 25
Asset Allocation
Asset Class Value Cash 97.88% Debt 1.78% Other 0.34% Debt Sector Allocation
Sector Value Cash Equivalent 78.12% Corporate 14.39% Government 7.15% Credit Quality
Rating Value AA 0.42% AAA 99.58% Top Securities Holdings / Portfolio
Name Holding Value Quantity Net Current Assets
Net Current Assets | -9% -₹2,619 Cr Treasury Bill
Sovereign Bonds | -4% ₹1,144 Cr 115,319,500 Bank Of Baroda
Certificate of Deposit | -3% ₹938 Cr 19,000
↑ 19,000 Small Industries Development Bank Of India
Commercial Paper | -3% ₹745 Cr 15,000 T-Bill
Sovereign Bonds | -3% ₹743 Cr 75,000,000 Treasury Bill
Sovereign Bonds | -3% ₹742 Cr 75,000,000 The Tata Power Company Limited
Commercial Paper | -2% ₹500 Cr 10,000 Treasury Bill
Sovereign Bonds | -2% ₹499 Cr 50,000,000
↑ 50,000,000 Tata Communications Limited (Vsnl)
Commercial Paper | -2% ₹497 Cr 10,000 Punjab National Bank
Certificate of Deposit | -2% ₹496 Cr 10,000
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.
You Might Also Like
AMFI Registration No. 112358 | CIN: U74999MH2016PTC282153
Shepard Technologies Pvt. Ltd. (with ARN code 112358) makes no warranties or representations, express or implied, on products offered through the platform. It accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.
©2025 Shepard Technologies Private Limited. All Rights Reserved
Research Highlights for BOI AXA Liquid Fund