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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 November 27, 2022 , 6719 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 ₹2,510.76
↑ 0.51
₹385 1,000 1.52.84.645.23.3
Baroda Pioneer Liquid Fund Growth ₹2,513.2
↑ 0.48
₹5,817 500 1.52.84.64.15.33.3
IDBI Liquid Fund Growth ₹2,349.02
↑ 0.44
₹823 500 1.52.84.64.25.43.4
JM Liquid Fund Growth ₹59.703
↑ 0.01
₹1,553 500 1.52.74.545.23.3
Mirae Asset Cash Management Fund Growth ₹2,290.12
↑ 0.44
₹4,750 1,000 1.52.74.54.15.23.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Nov 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 (29 Nov 22) ₹2,510.76 ↑ 0.51   (0.02 %)
Net Assets (Cr) ₹385 on 31 Oct 22
Category Debt - Liquid Fund
AMC BOI AXA Investment Mngrs Private Ltd
Rating
Risk Low
Expense Ratio 0.22
Sharpe Ratio -1.31
Information Ratio -4.42
Alpha Ratio -0.16
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.68%
Effective Maturity 1 Month 2 Days
Modified Duration 29 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 17₹10,000
31 Oct 18₹10,725
31 Oct 19₹11,461
31 Oct 20₹11,971
31 Oct 21₹12,348
31 Oct 22₹12,891

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 29 Nov 22

DurationReturns
1 Month 0.6%
3 Month 1.5%
6 Month 2.8%
1 Year 4.6%
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 211.21 Yr.

Data below for BOI AXA Liquid Fund as on 31 Oct 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent75.88%
Corporate14.09%
Government10.03%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Repo
CBLO/Reverse Repo | -
18%₹90 Cr
Treps
CBLO/Reverse Repo | -
9%₹46 Cr
TATA Steel Limited
Commercial Paper | -
9%₹45 Cr4,500,000
↑ 2,500,000
Small Industries Development Bank Of India
Commercial Paper | -
9%₹45 Cr4,500,000
↑ 4,500,000
HDFC Bank Limited
Certificate of Deposit | -
5%₹25 Cr2,500,000
364 Dtb 17112022
Sovereign Bonds | -
5%₹25 Cr2,500,000
91 DTB 24112022
Sovereign Bonds | -
5%₹25 Cr2,500,000
Godrej Industries Limited
Commercial Paper | -
5%₹25 Cr2,500,000
Indian Oil Corporation Limited
Commercial Paper | -
5%₹25 Cr2,500,000
Housing Development Finance Corporation Limited
Commercial Paper | -
5%₹25 Cr2,500,000

2. 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 (29 Nov 22) ₹2,513.2 ↑ 0.48   (0.02 %)
Net Assets (Cr) ₹5,817 on 31 Oct 22
Category Debt - Liquid Fund
AMC Baroda Pioneer Asset Management Co. Ltd.
Rating
Risk Low
Expense Ratio 0.25
Sharpe Ratio -1.86
Information Ratio -2.31
Alpha Ratio -0.19
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.67%
Effective Maturity 1 Month 9 Days
Modified Duration 1 Month 6 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 17₹10,000
31 Oct 18₹10,727
31 Oct 19₹11,480
31 Oct 20₹11,999
31 Oct 21₹12,387
31 Oct 22₹12,927

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 29 Nov 22

DurationReturns
1 Month 0.6%
3 Month 1.5%
6 Month 2.8%
1 Year 4.6%
3 Year 4.1%
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
Mayank Prakash21 Oct 220.03 Yr.
Vikram Pamnani14 Mar 220.64 Yr.

Data below for Baroda Pioneer Liquid Fund as on 31 Oct 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent68.36%
Government18.83%
Corporate12.82%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps 17-Oct-2022
CBLO/Reverse Repo | -
17%₹1,107 Cr
Net Receivable / Payable
CBLO | -
6%-₹394 Cr
Export-Import Bank Of India
Commercial Paper | -
5%₹296 Cr6,000
↑ 6,000
Indian Bank
Certificate of Deposit | -
4%₹248 Cr5,000
↑ 5,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
3%₹224 Cr4,500
↑ 500
Small Industries Development Bank Of India
Commercial Paper | -
3%₹199 Cr4,000
Punjab National Bank
Certificate of Deposit | -
3%₹199 Cr4,000
Housing Development Finance Corporation Limited
Commercial Paper | -
3%₹199 Cr4,000
Axis Bank Limited
Certificate of Deposit | -
3%₹198 Cr4,000
Ntpc Limited
Commercial Paper | -
3%₹198 Cr4,000

3. 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 7.1% 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 (29 Nov 22) ₹2,349.02 ↑ 0.44   (0.02 %)
Net Assets (Cr) ₹823 on 31 Oct 22
Category Debt - Liquid Fund
AMC IDBI Asset Management Limited
Rating
Risk Low
Expense Ratio 0.17
Sharpe Ratio -1.23
Information Ratio -1.92
Alpha Ratio -0.21
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.49%
Effective Maturity 1 Month 14 Days
Modified Duration 1 Month 14 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 17₹10,000
31 Oct 18₹10,720
31 Oct 19₹11,477
31 Oct 20₹12,038
31 Oct 21₹12,437
31 Oct 22₹12,981

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 29 Nov 22

DurationReturns
1 Month 0.6%
3 Month 1.5%
6 Month 2.8%
1 Year 4.6%
3 Year 4.2%
5 Year 5.4%
10 Year
15 Year
Since launch 7.1%
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 175.5 Yr.

Data below for IDBI Liquid Fund as on 31 Oct 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent48.14%
Corporate28.23%
Government23.64%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps
CBLO/Reverse Repo | -
12%₹86 Cr
Indian Bank
Certificate of Deposit | -
10%₹75 Cr7,500,000
↑ 7,500,000
Godrej Industries Ltd.
Commercial Paper | -
8%₹59 Cr6,000,000
↑ 6,000,000
Bajaj Finance Limited
Commercial Paper | -
7%₹50 Cr5,000,000
Punjab National Bank
Certificate of Deposit | -
7%₹50 Cr5,000,000
Axis Bank Limited
Certificate of Deposit | -
7%₹50 Cr5,000,000
Hdfc Bank Limited
Certificate of Deposit | -
7%₹49 Cr5,000,000
Small Industries Development Bank Of India
Commercial Paper | -
7%₹49 Cr5,000,000
Canara Bank
Certificate of Deposit | -
7%₹49 Cr5,000,000
Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -
7%₹49 Cr5,000,000

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 7.4% 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 (29 Nov 22) ₹59.703 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹1,553 on 15 Nov 22
Category Debt - Liquid Fund
AMC JM Financial Asset Management Limited
Rating
Risk Low
Expense Ratio 0.21
Sharpe Ratio -2.08
Information Ratio -5.38
Alpha Ratio -0.22
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.24%
Effective Maturity 1 Month 6 Days
Modified Duration 1 Month 4 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 17₹10,000
31 Oct 18₹10,721
31 Oct 19₹11,474
31 Oct 20₹11,972
31 Oct 21₹12,355
31 Oct 22₹12,890

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 29 Nov 22

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 2.7%
1 Year 4.5%
3 Year 4%
5 Year 5.2%
10 Year
15 Year
Since launch 7.4%
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 9724.85 Yr.
Naghma Khoja21 Oct 211.03 Yr.

Data below for JM Liquid Fund as on 15 Nov 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent84.77%
Government8.21%
Corporate7.02%
Credit Quality
RatingValue
AA0.92%
AAA99.08%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps-Triparty Repo
CBLO/Reverse Repo | -
41%₹861 Cr00
Small Industries Development Bank Of India
Commercial Paper | -
5%₹100 Cr2,000
↑ 2,000
182 Dtb 10112022
Sovereign Bonds | -
4%₹85 Cr8,500,000
Reliance Jio Infocomm Limited
Commercial Paper | -
4%₹74 Cr1,500
Reliance Retail Ventures Limited
Commercial Paper | -
2%₹50 Cr1,000
↑ 1,000
Punjab National Bank
Certificate of Deposit | -
2%₹50 Cr1,000
↑ 1,000
LIC Housing Finance Limited
Commercial Paper | -
2%₹50 Cr1,000
↑ 1,000
Reliance Retail Ventures Limited
Commercial Paper | -
2%₹50 Cr1,000
Indian Bank
Certificate of Deposit | -
2%₹50 Cr1,000
Larsen And Toubro Limited
Commercial Paper | -
2%₹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 (29 Nov 22) ₹2,290.12 ↑ 0.44   (0.02 %)
Net Assets (Cr) ₹4,750 on 31 Oct 22
Category Debt - Liquid Fund
AMC Mirae Asset Global Inv (India) Pvt. Ltd
Rating
Risk Low
Expense Ratio 0.2
Sharpe Ratio -2.75
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.29%
Effective Maturity 1 Month 13 Days
Modified Duration 1 Month 13 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 17₹10,000
31 Oct 18₹10,717
31 Oct 19₹11,465
31 Oct 20₹11,982
31 Oct 21₹12,374
31 Oct 22₹12,905

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 29 Nov 22

DurationReturns
1 Month 0.6%
3 Month 1.5%
6 Month 2.7%
1 Year 4.5%
3 Year 4.1%
5 Year 5.2%
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
Abhishek Iyer28 Dec 201.84 Yr.

Data below for Mirae Asset Cash Management Fund as on 31 Oct 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent78.28%
Corporate12.6%
Government9.12%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Corporate Bond Repo
CBLO/Reverse Repo | -
5%₹200 Cr
182 Dtb 10112022
Sovereign Bonds | -
4%₹174 Cr17,500,000
Treps
CBLO/Reverse Repo | -
4%₹173 Cr
364 Dtb 02112022
Sovereign Bonds | -
3%₹140 Cr14,000,000
Punjab National Bank
Certificate of Deposit | -
3%₹124 Cr12,500,000
91 DTB 27102022
Sovereign Bonds | -
2%₹100 Cr10,000,000
Housing Development Finance Corporation Limited
Commercial Paper | -
2%₹100 Cr10,000,000
Indian Bank
Certificate of Deposit | -
2%₹100 Cr10,000,000
182 Dtb 03112022
Sovereign Bonds | -
2%₹100 Cr10,000,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
2%₹99 Cr10,000,000

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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