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5 Best Performing Liquid Mutual Funds SIP Investments 2019

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5 Best Performing Liquid Funds for SIP 2019

Updated on November 15, 2019 , 97 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 19 - 20

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2018 (%)
Reliance Liquid Fund  Growth ₹4,727.81
↑ 1.33
₹21,997 100 1.43.2777.47.4
IDBI Liquid Fund Growth ₹2,071.21
↑ 0.31
₹2,043 500 1.43.26.96.97.47.5
Baroda Pioneer Liquid Fund Growth ₹2,225.78
↑ 0.32
₹4,681 500 1.43.16.977.57.5
JM Liquid Fund Growth ₹53.0051
↑ 0.01
₹1,042 500 1.43.16.977.57.4
ICICI Prudential Liquid Fund Growth ₹286.628
↑ 0.08
₹57,907 500 1.43.16.96.97.47.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Nov 19

1. Reliance 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.

Reliance 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 7.4% since its launch.  Ranked 11 in Liquid Fund category.  Return for 2018 was 7.4% , 2017 was 6.7% and 2016 was 7.7% .

Below is the key information for Reliance Liquid Fund 

Reliance Liquid Fund 
Growth
Launch Date 9 Dec 03
NAV (17 Nov 19) ₹4,727.81 ↑ 1.33   (0.03 %)
Net Assets (Cr) ₹21,997 on 30 Sep 19
Category Debt - Liquid Fund
AMC Reliance Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 0.18
Sharpe Ratio 13.53
Information Ratio -0.48
Alpha Ratio 0.42
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 5.78%
Effective Maturity 1 Month 28 Days
Modified Duration 1 Month 25 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 14₹10,000
31 Oct 15₹10,850
31 Oct 16₹11,702
31 Oct 17₹12,487
31 Oct 18₹13,388
31 Oct 19₹14,344

Reliance 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 ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for Reliance 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 17 Nov 19

DurationReturns
1 Month 0.4%
3 Month 1.4%
6 Month 3.2%
1 Year 7%
3 Year 7%
5 Year 7.4%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2009 5.5%
Fund Manager information for Reliance Liquid Fund 
NameSinceTenure
Anju Chhajer1 Oct 136 Yr.
Kinjal Desai25 May 181.35 Yr.

Data below for Reliance Liquid Fund  as on 30 Sep 19

Asset Allocation
Asset ClassValue
Cash99.98%
Other0.02%
Debt Sector Allocation
SectorValue
Corporate59.13%
Cash Equivalent24.59%
Government16.26%
Credit Quality
RatingValue
AAA96.11%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Current Assets
Net Current Assets | -
19%-₹4,209 Cr
91 DTB 24102019
Sovereign Bonds | -
6%₹1,355 Cr135,916,800
Icici Bank Limited **
Certificate of Deposit | -
6%₹1,289 Cr
AXIS BANK LIMITED
Certificate of Deposit | -
4%₹989 Cr100,000
↑ 100,000
INDIAN OIL CORPORATION LIMITED
Commercial Paper | -
4%₹962 Cr19,400
↑ 19,400
364 DTB 12122019
Sovereign Bonds | -
4%₹898 Cr90,771,900
↑ 90,771,900
VEDANTA LIMITED
Commercial Paper | -
3%₹740 Cr14,880
AXIS BANK LIMITED
Certificate of Deposit | -
3%₹717 Cr72,500
↑ 72,500
91 DTB 12122019
Sovereign Bonds | -
3%₹673 Cr67,964,300
↑ 67,964,300
INDIAN OIL CORPORATION LIMITED
Commercial Paper | -
3%₹671 Cr13,500
↑ 13,500

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 8.1% since its launch.  Ranked 37 in Liquid Fund category.  Return for 2018 was 7.5% , 2017 was 6.6% and 2016 was 7.5% .

Below is the key information for IDBI Liquid Fund

IDBI Liquid Fund
Growth
Launch Date 9 Jul 10
NAV (17 Nov 19) ₹2,071.21 ↑ 0.31   (0.01 %)
Net Assets (Cr) ₹2,043 on 30 Sep 19
Category Debt - Liquid Fund
AMC IDBI Asset Management Limited
Rating
Risk Low
Expense Ratio 0.24
Sharpe Ratio 12.71
Information Ratio -1.13
Alpha Ratio 0.2
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 5.67%
Effective Maturity 1 Month 26 Days
Modified Duration 1 Month 26 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 14₹10,000
31 Oct 15₹10,843
31 Oct 16₹11,680
31 Oct 17₹12,455
31 Oct 18₹13,353
31 Oct 19₹14,295

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 ₹203,125.
Net Profit of ₹23,125
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 17 Nov 19

DurationReturns
1 Month 0.5%
3 Month 1.4%
6 Month 3.2%
1 Year 6.9%
3 Year 6.9%
5 Year 7.4%
10 Year
15 Year
Since launch 8.1%
Historical performance (Yearly) on absolute basis
YearReturns
2018 7.5%
2017 6.6%
2016 7.5%
2015 8.3%
2014 9%
2013 9%
2012 9.7%
2011 8.9%
2010
2009
Fund Manager information for IDBI Liquid Fund
NameSinceTenure
Raju Sharma3 May 171.75 Yr.

Data below for IDBI Liquid Fund as on 30 Sep 19

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Corporate53.29%
Cash Equivalent46.71%
Credit Quality
RatingValue
AA0.25%
AAA99.75%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Fertilizers Limited
Commercial Paper | -
6%₹125 Cr12,500,000
↑ 2,500,000
CHENNAI PETROLEUM CORPORATION LTD
Commercial Paper | -
6%₹125 Cr12,500,000
SBI Cards & Payment Services Private Limited
Commercial Paper | -
5%₹100 Cr10,000,000
Reliance Jio Infocomm Limited
Commercial Paper | -
5%₹100 Cr10,000,000
↑ 10,000,000
Reliance Retail Limited
Commercial Paper | -
5%₹100 Cr10,000,000
↑ 10,000,000
IDFC BANK LIMITED
Certificate of Deposit | -
5%₹99 Cr10,000,000
↑ 2,500,000
INDIAN OIL CORPORATION LIMITED
Commercial Paper | -
5%₹99 Cr10,000,000
Aarti Industries Limited
Commercial Paper | -
5%₹99 Cr10,000,000
↑ 10,000,000
RASHTRIYA CHEMICALS AND FERTILIZERS LIMITED
Commercial Paper | -
5%₹99 Cr10,000,000
KEC INTERNATIONAL LIMITED
Commercial Paper | -
5%₹99 Cr10,000,000

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 7.7% since its launch.  Ranked 22 in Liquid Fund category.  Return for 2018 was 7.5% , 2017 was 6.7% and 2016 was 7.8% .

Below is the key information for Baroda Pioneer Liquid Fund

Baroda Pioneer Liquid Fund
Growth
Launch Date 5 Feb 09
NAV (17 Nov 19) ₹2,225.78 ↑ 0.32   (0.01 %)
Net Assets (Cr) ₹4,681 on 30 Sep 19
Category Debt - Liquid Fund
AMC Baroda Pioneer Asset Management Co. Ltd.
Rating
Risk Low
Expense Ratio 0.21
Sharpe Ratio 12.98
Information Ratio -0.49
Alpha Ratio 0.35
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 5.81%
Effective Maturity 1 Month 13 Days
Modified Duration 1 Month 10 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 14₹10,000
31 Oct 15₹10,850
31 Oct 16₹11,715
31 Oct 17₹12,502
31 Oct 18₹13,411
31 Oct 19₹14,353

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 ₹203,125.
Net Profit of ₹23,125
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 17 Nov 19

DurationReturns
1 Month 0.5%
3 Month 1.4%
6 Month 3.1%
1 Year 6.9%
3 Year 7%
5 Year 7.5%
10 Year
15 Year
Since launch 7.7%
Historical performance (Yearly) on absolute basis
YearReturns
2018 7.5%
2017 6.7%
2016 7.8%
2015 8.4%
2014 9.1%
2013 9.2%
2012 9.7%
2011 9%
2010 5.5%
2009
Fund Manager information for Baroda Pioneer Liquid Fund
NameSinceTenure
Hetal Shah5 Feb 0910.66 Yr.
Alok Sahoo5 Feb 0910.66 Yr.

Data below for Baroda Pioneer Liquid Fund as on 30 Sep 19

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent47.97%
Corporate44.76%
Government7.27%
Credit Quality
RatingValue
AA0.71%
AAA99.29%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Cblo
CBLO | -
23%₹1,353 Cr
91 DTB 12122019
Sovereign Bonds | -
6%₹332 Cr33,390,200
INDIAN OIL CORPORATION LIMITED
Commercial Paper | -
4%₹225 Cr4,500
↑ 4,500
SYNDICATE BANK
Certificate of Deposit | -
3%₹200 Cr20,000
ADANI PORTS AND SPECIAL ECONOMIC ZONE LIMITED
Commercial Paper | -
3%₹200 Cr4,000
EXPORT-IMPORT BANK OF INDIA
Commercial Paper | -
3%₹199 Cr4,000
BANK OF INDIA
Certificate of Deposit | -
3%₹199 Cr20,000
L&T FINANCE LIMITED
Commercial Paper | -
3%₹199 Cr4,000
ADITYA BIRLA HOUSING FINANCE LIMITED
Commercial Paper | -
3%₹199 Cr4,000
AXIS BANK LIMITED
Certificate of Deposit | -
3%₹199 Cr20,000

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 7.9% since its launch.  Ranked 3 in Liquid Fund category.  Return for 2018 was 7.4% , 2017 was 6.7% and 2016 was 7.7% .

Below is the key information for JM Liquid Fund

JM Liquid Fund
Growth
Launch Date 31 Dec 97
NAV (17 Nov 19) ₹53.0051 ↑ 0.01   (0.01 %)
Net Assets (Cr) ₹1,042 on 30 Sep 19
Category Debt - Liquid Fund
AMC JM Financial Asset Management Limited
Rating
Risk Low
Expense Ratio 0.28
Sharpe Ratio 12.93
Information Ratio -0.4
Alpha Ratio 0.36
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 5.75%
Effective Maturity 1 Month 1 Day
Modified Duration 1 Month 1 Day

Growth of 10,000 investment over the years.

DateValue
31 Oct 14₹10,000
31 Oct 15₹10,861
31 Oct 16₹11,718
31 Oct 17₹12,514
31 Oct 18₹13,417
31 Oct 19₹14,359

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 ₹203,125.
Net Profit of ₹23,125
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 17 Nov 19

DurationReturns
1 Month 0.4%
3 Month 1.4%
6 Month 3.1%
1 Year 6.9%
3 Year 7%
5 Year 7.5%
10 Year
15 Year
Since launch 7.9%
Historical performance (Yearly) on absolute basis
YearReturns
2018 7.4%
2017 6.7%
2016 7.7%
2015 8.4%
2014 9.1%
2013 9.3%
2012 9.6%
2011 8.9%
2010 5.5%
2009 5.1%
Fund Manager information for JM Liquid Fund
NameSinceTenure
Shalini Tibrewala31 Dec 9721.51 Yr.

Data below for JM Liquid Fund as on 30 Sep 19

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Corporate61.59%
Cash Equivalent38.41%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps
CBLO/Reverse Repo | -
23%₹244 Cr00
Syndicate Bank
Certificate of Deposit | -
10%₹99 Cr10,000
↑ 10,000
IDFC FIRST BANK LIMITED
Certificate of Deposit | -
9%₹99 Cr10,000
↑ 10,000
RELIANCE JIO INFOCOMM LIMITED
Commercial Paper | -
9%₹98 Cr1,960
↑ 1,960
NTPC LIMITED
Commercial Paper | -
7%₹75 Cr1,500
RELIANCE RETAIL LIMITED
Commercial Paper | -
5%₹50 Cr1,000
ADANI PORTS AND SPECIAL ECONOMIC ZONE LIMITED
Commercial Paper | -
5%₹50 Cr1,000
National Fertilizers Limited
Commercial Paper | -
5%₹50 Cr1,000
↑ 1,000
Canara Bank
Certificate of Deposit | -
5%₹50 Cr5,000
↑ 5,000
BANK OF INDIA
Certificate of Deposit | -
5%₹50 Cr5,000
↑ 5,000

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 7.8% since its launch.  Ranked 20 in Liquid Fund category.  Return for 2018 was 7.4% , 2017 was 6.6% and 2016 was 7.7% .

Below is the key information for ICICI Prudential Liquid Fund

ICICI Prudential Liquid Fund
Growth
Launch Date 17 Nov 05
NAV (17 Nov 19) ₹286.628 ↑ 0.08   (0.03 %)
Net Assets (Cr) ₹57,907 on 30 Sep 19
Category Debt - Liquid Fund
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Low
Expense Ratio 0.15
Sharpe Ratio 12.8
Information Ratio -1.19
Alpha Ratio 0.21
Min Investment 500
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 5.73%
Effective Maturity 1 Month 15 Days
Modified Duration 1 Month 12 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 14₹10,000
31 Oct 15₹10,850
31 Oct 16₹11,701
31 Oct 17₹12,483
31 Oct 18₹13,377
31 Oct 19₹14,318

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 ₹203,125.
Net Profit of ₹23,125
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 17 Nov 19

DurationReturns
1 Month 0.4%
3 Month 1.4%
6 Month 3.1%
1 Year 6.9%
3 Year 6.9%
5 Year 7.4%
10 Year
15 Year
Since launch 7.8%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2009 5.6%
Fund Manager information for ICICI Prudential Liquid Fund
NameSinceTenure
Rahul Goswami27 Sep 126.76 Yr.
Rohan Maru19 Sep 135.78 Yr.

Data below for ICICI Prudential Liquid Fund as on 30 Sep 19

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Corporate61.47%
Cash Equivalent26.58%
Government11.95%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 19122019
Sovereign Bonds | -
5%₹2,983 Cr300,187,000
Treps
CBLO/Reverse Repo | -
4%₹2,573 Cr
91 DTB 28112019
Sovereign Bonds | -
4%₹2,232 Cr224,011,500
91 DTB 21112019
Sovereign Bonds | -
3%₹2,116 Cr212,172,000
↑ 212,172,000
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Commercial Paper | -
3%₹1,996 Cr40,000
TATA SONS PRIVATE LIMITED
Commercial Paper | -
3%₹1,986 Cr40,000
91 DTB 15112019
Sovereign Bonds | -
3%₹1,918 Cr192,186,100
91 DTB 12122019
Sovereign Bonds | -
3%₹1,673 Cr168,174,700
6.35% Govt Stock 2020
Sovereign Bonds | -
3%₹1,665 Cr166,160,000
↑ 166,160,000
AXIS BANK LIMITED
Certificate of Deposit | -
2%₹1,499 Cr150,000

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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