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5 Best Performing Liquid Funds for SIP 2020
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
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2018 (%) Nippon India Liquid Fund Growth ₹4,773.48
↑ 0.66 ₹24,235 100 1.3 2.8 6.5 6.9 7.3 6.7 IDBI Liquid Fund Growth ₹2,091.6
↑ 0.30 ₹2,120 500 1.3 2.8 6.5 6.9 7.2 6.6 Baroda Pioneer Liquid Fund Growth ₹2,247.23
↑ 0.30 ₹6,071 500 1.3 2.8 6.4 6.9 7.3 6.6 ICICI Prudential Liquid Fund Growth ₹289.392
↑ 0.04 ₹55,665 500 1.3 2.8 6.4 6.8 7.3 6.6 Mirae Asset Cash Management Fund Growth ₹2,048.19
↑ 0.27 ₹3,546 1,000 1.3 2.8 6.4 6.8 7.1 6.6 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 25 Jan 20
(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 Below is the key information for Nippon India 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. 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 Below is the key information for IDBI Liquid Fund Returns up to 1 year are on 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 Below is the key information for Baroda Pioneer Liquid Fund Returns up to 1 year are on (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 Below is the key information for ICICI Prudential Liquid Fund Returns up to 1 year are on 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 Below is the key information for Mirae Asset Cash Management Fund Returns up to 1 year are on 1. Nippon India Liquid Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 11 in Liquid Fund category. Return for 2019 was 6.7% , 2018 was 7.4% and 2017 was 6.7% . Nippon India Liquid Fund
Growth Launch Date 9 Dec 03 NAV (25 Jan 20) ₹4,773.48 ↑ 0.66 (0.01 %) Net Assets (Cr) ₹24,235 on 31 Dec 19 Category Debt - Liquid Fund AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Low Expense Ratio 0.21 Sharpe Ratio 15.17 Information Ratio -0.96 Alpha Ratio 0.5 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 5.38% Effective Maturity 1 Month 15 Days Modified Duration 1 Month 12 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 14 ₹10,000 31 Dec 15 ₹10,834 31 Dec 16 ₹11,663 31 Dec 17 ₹12,444 31 Dec 18 ₹13,370 31 Dec 19 ₹14,266 Returns for Nippon India Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Jan 20 Duration Returns 1 Month 0.4% 3 Month 1.3% 6 Month 2.8% 1 Year 6.5% 3 Year 6.9% 5 Year 7.3% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2018 6.7% 2017 7.4% 2016 6.7% 2015 7.7% 2014 8.3% 2013 9.1% 2012 9.2% 2011 9.7% 2010 8.9% 2009 5.3% Fund Manager information for Nippon India Liquid Fund
Name Since Tenure Anju Chhajer 1 Oct 13 6 Yr. Kinjal Desai 25 May 18 1.35 Yr. Data below for Nippon India Liquid Fund as on 31 Dec 19
Asset Allocation
Asset Class Value Cash 99.96% Other 0.04% Debt Sector Allocation
Sector Value Cash Equivalent 52.28% Corporate 44.72% Government 2.96% Credit Quality
Rating Value AAA 96.47% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reverse Repo
CBLO/Reverse Repo | -8% ₹2,786 Cr 6.35% Govt Stock 2020
Sovereign Bonds | -8% ₹2,527 Cr 252,500,000
↑ 177,500,000 91 DTB 06022020
Sovereign Bonds | -7% ₹2,275 Cr 229,500,000
↑ 229,500,000 91 DTB 30012020
Sovereign Bonds | -5% ₹1,592 Cr 160,500,000
↑ 160,500,000 AXIS BANK LIMITED
Certificate of Deposit | -3% ₹998 Cr 100,000 364 DTB 12122019
Sovereign Bonds | -3% ₹906 Cr 90,771,900 8.19% Govt Stock 2020
Sovereign Bonds | -2% ₹803 Cr 80,000,000
↑ 35,500,000 Icici Bank Limited **
Certificate of Deposit | -2% ₹798 Cr 91 DTB 20022020
Sovereign Bonds | -2% ₹791 Cr 80,000,000
↑ 80,000,000 INFINA Finance Private Limited
Commercial Paper | -2% ₹750 Cr 15,000
↑ 15,000 2. IDBI Liquid Fund
CAGR/Annualized return of 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% . IDBI Liquid Fund
Growth Launch Date 9 Jul 10 NAV (25 Jan 20) ₹2,091.6 ↑ 0.30 (0.01 %) Net Assets (Cr) ₹2,120 on 31 Dec 19 Category Debt - Liquid Fund AMC IDBI Asset Management Limited Rating ☆☆☆ Risk Low Expense Ratio 0.25 Sharpe Ratio 16.2 Information Ratio -1.6 Alpha Ratio 0.58 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 5.3% Effective Maturity 2 Months 5 Days Modified Duration 2 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 14 ₹10,000 31 Dec 15 ₹10,826 31 Dec 16 ₹11,644 31 Dec 17 ₹12,412 31 Dec 18 ₹13,337 31 Dec 19 ₹14,221 Returns for IDBI Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Jan 20 Duration Returns 1 Month 0.4% 3 Month 1.3% 6 Month 2.8% 1 Year 6.5% 3 Year 6.9% 5 Year 7.2% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2018 6.6% 2017 7.5% 2016 6.6% 2015 7.5% 2014 8.3% 2013 9% 2012 9% 2011 9.7% 2010 8.9% 2009 Fund Manager information for IDBI Liquid Fund
Name Since Tenure Raju Sharma 3 May 17 1.75 Yr. Data below for IDBI Liquid Fund as on 31 Dec 19
Asset Allocation
Asset Class Value Cash 100% Debt Sector Allocation
Sector Value Corporate 73.03% Cash Equivalent 26.97% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reliance Jio Infocomm Limited
Commercial Paper | -9% ₹150 Cr 15,000,000
↑ 5,000,000 Treps
CBLO/Reverse Repo | -6% ₹109 Cr 10,920,910
↑ 10,176,420 Reliance Retail Limited
Commercial Paper | -6% ₹100 Cr 10,000,000 Aarti Industries Limited
Commercial Paper | -6% ₹100 Cr 10,000,000 IDFC BANK LIMITED
Certificate of Deposit | -6% ₹100 Cr 10,000,000 INDIAN OIL CORPORATION LIMITED
Commercial Paper | -6% ₹100 Cr 10,000,000 RASHTRIYA CHEMICALS AND FERTILIZERS LIMITED
Commercial Paper | -6% ₹100 Cr 10,000,000 KEC INTERNATIONAL LIMITED
Commercial Paper | -6% ₹100 Cr 10,000,000 Sundaram Finance Limited
Commercial Paper | -6% ₹99 Cr 10,000,000
↑ 10,000,000 The Tata Power Company Limited
Commercial Paper | -6% ₹99 Cr 10,000,000 3. Baroda Pioneer Liquid Fund
CAGR/Annualized return of 7.7% since its launch. Ranked 22 in Liquid Fund category. Return for 2019 was 6.6% , 2018 was 7.5% and 2017 was 6.7% . Baroda Pioneer Liquid Fund
Growth Launch Date 5 Feb 09 NAV (24 Jan 20) ₹2,247.23 ↑ 0.30 (0.01 %) Net Assets (Cr) ₹6,071 on 31 Dec 19 Category Debt - Liquid Fund AMC Baroda Pioneer Asset Management Co. Ltd. Rating ☆☆☆☆ Risk Low Expense Ratio 0.23 Sharpe Ratio 15.28 Information Ratio -0.91 Alpha Ratio 0.54 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 5.23% Effective Maturity 1 Month 20 Days Modified Duration 1 Month 17 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 14 ₹10,000 31 Dec 15 ₹10,836 31 Dec 16 ₹11,678 31 Dec 17 ₹12,459 31 Dec 18 ₹13,391 31 Dec 19 ₹14,276 Returns for Baroda Pioneer Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Jan 20 Duration Returns 1 Month 0.4% 3 Month 1.3% 6 Month 2.8% 1 Year 6.4% 3 Year 6.9% 5 Year 7.3% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2018 6.6% 2017 7.5% 2016 6.7% 2015 7.8% 2014 8.4% 2013 9.1% 2012 9.2% 2011 9.7% 2010 9% 2009 5.5% Fund Manager information for Baroda Pioneer Liquid Fund
Name Since Tenure Hetal Shah 5 Feb 09 10.66 Yr. Alok Sahoo 5 Feb 09 10.66 Yr. Data below for Baroda Pioneer Liquid Fund as on 31 Dec 19
Asset Allocation
Asset Class Value Cash 100% Debt Sector Allocation
Sector Value Corporate 46.28% Cash Equivalent 46.26% Government 7.45% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Cblo
CBLO | -21% ₹1,497 Cr 91 DTB 19122019
Sovereign Bonds | -7% ₹499 Cr 50,000,000
↑ 50,000,000 NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Certificate of Deposit | -5% ₹355 Cr 35,500
↑ 35,500 91 DTB 12122019
Sovereign Bonds | -5% ₹333 Cr 33,390,200 INDUSIND BANK LIMITED
Certificate of Deposit | -4% ₹300 Cr 30,000
↑ 30,000 42 DTB 17122019
Sovereign Bonds | -4% ₹288 Cr 28,854,100
↑ 28,854,100 AXIS BANK LIMITED
Certificate of Deposit | -3% ₹200 Cr 20,000
↑ 20,000 ANDHRA BANK
Certificate of Deposit | -3% ₹200 Cr 20,000
↑ 20,000 ADITYA BIRLA HOUSING FINANCE LIMITED
Commercial Paper | -3% ₹200 Cr 4,000 AXIS BANK LIMITED
Certificate of Deposit | -3% ₹199 Cr 20,000 4. ICICI Prudential Liquid Fund
CAGR/Annualized return of 7.8% since its launch. Ranked 20 in Liquid Fund category. Return for 2019 was 6.6% , 2018 was 7.4% and 2017 was 6.6% . ICICI Prudential Liquid Fund
Growth Launch Date 17 Nov 05 NAV (25 Jan 20) ₹289.392 ↑ 0.04 (0.01 %) Net Assets (Cr) ₹55,665 on 31 Dec 19 Category Debt - Liquid Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.22 Sharpe Ratio 14.51 Information Ratio -1.8 Alpha Ratio 0.31 Min Investment 500 Min SIP Investment 500 Exit Load NIL Yield to Maturity 5.32% Effective Maturity 1 Month 18 Days Modified Duration 1 Month 16 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 14 ₹10,000 31 Dec 15 ₹10,834 31 Dec 16 ₹11,663 31 Dec 17 ₹12,438 31 Dec 18 ₹13,357 31 Dec 19 ₹14,238 Returns for ICICI Prudential Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Jan 20 Duration Returns 1 Month 0.4% 3 Month 1.3% 6 Month 2.8% 1 Year 6.4% 3 Year 6.8% 5 Year 7.3% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2018 6.6% 2017 7.4% 2016 6.6% 2015 7.7% 2014 8.3% 2013 9.1% 2012 9.3% 2011 9.7% 2010 8.9% 2009 5.5% Fund Manager information for ICICI Prudential Liquid Fund
Name Since Tenure Rahul Goswami 27 Sep 12 7.26 Yr. Rohan Maru 19 Sep 13 6.29 Yr. Data below for ICICI Prudential Liquid Fund as on 31 Dec 19
Asset Allocation
Asset Class Value Cash 100% Debt Sector Allocation
Sector Value Cash Equivalent 50.88% Corporate 49% Government 0.12% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 91 DTB 20022020
Sovereign Bonds | -6% ₹3,957 Cr 400,000,000
↑ 400,000,000 Reverse Repo
CBLO/Reverse Repo | -6% ₹3,891 Cr 91 DTB 19122019
Sovereign Bonds | -5% ₹2,995 Cr 300,187,000 91 DTB 13022020
Sovereign Bonds | -5% ₹2,886 Cr 291,497,500
↑ 291,497,500 TATA SONS PRIVATE LIMITED
Commercial Paper | -3% ₹1,995 Cr 40,000 42 DTB 17122019
Sovereign Bonds | -3% ₹1,681 Cr 168,500,000
↑ 168,500,000 91 DTB 12122019
Sovereign Bonds | -3% ₹1,679 Cr 168,174,700 6.35% Govt Stock 2020
Sovereign Bonds | -3% ₹1,663 Cr 166,160,000 91 DTB 06022020
Sovereign Bonds | -3% ₹1,606 Cr 162,000,000
↑ 162,000,000 91 DTB 05122019
Sovereign Bonds | -2% ₹1,277 Cr 127,746,600 5. Mirae Asset Cash Management Fund
CAGR/Annualized return of 6.7% since its launch. Ranked 48 in Liquid Fund category. Return for 2019 was 6.6% , 2018 was 7.3% and 2017 was 6.6% . Mirae Asset Cash Management Fund
Growth Launch Date 12 Jan 09 NAV (24 Jan 20) ₹2,048.19 ↑ 0.27 (0.01 %) Net Assets (Cr) ₹3,546 on 31 Dec 19 Category Debt - Liquid Fund AMC Mirae Asset Global Inv (India) Pvt. Ltd Rating ☆☆ Risk Low Expense Ratio 0.09 Sharpe Ratio 14.38 Information Ratio -1.35 Alpha Ratio 0.39 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 5.71% Effective Maturity 1 Month 18 Days Modified Duration 1 Month 17 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 14 ₹10,000 31 Dec 15 ₹10,777 31 Dec 16 ₹11,555 31 Dec 17 ₹12,321 31 Dec 18 ₹13,226 31 Dec 19 ₹14,095 Returns for Mirae Asset Cash Management Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Jan 20 Duration Returns 1 Month 0.4% 3 Month 1.3% 6 Month 2.8% 1 Year 6.4% 3 Year 6.8% 5 Year 7.1% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2018 6.6% 2017 7.3% 2016 6.6% 2015 7.2% 2014 7.8% 2013 8.7% 2012 8.2% 2011 8% 2010 6.9% 2009 4.3% Fund Manager information for Mirae Asset Cash Management Fund
Name Since Tenure Mahendra Jajoo 8 Sep 16 3.31 Yr. Data below for Mirae Asset Cash Management Fund as on 31 Dec 19
Asset Allocation
Asset Class Value Cash 100% Debt Sector Allocation
Sector Value Corporate 53.29% Cash Equivalent 42.65% Government 4.06% Credit Quality
Rating Value AA 1.12% AAA 98.88% Top Securities Holdings / Portfolio
Name Holding Value Quantity Tri Party Repo
CBLO/Reverse Repo | -23% ₹833 Cr Chennai Petroleum Corporation Ltd
Commercial Paper | -5% ₹200 Cr 20,000,000
↑ 20,000,000 ANDHRA BANK
Certificate of Deposit | -5% ₹200 Cr 20,000,000 Indian Railway Finance Corporation Limited
Commercial Paper | -5% ₹198 Cr 20,000,000
↑ 20,000,000 42 DTB 17122019
Sovereign Bonds | -5% ₹173 Cr 17,312,600
↑ 17,312,600 IIFL Wealth Finance Limited
Commercial Paper | -4% ₹150 Cr 15,000,000
↑ 15,000,000 AXIS BANK LIMITED
Certificate of Deposit | -3% ₹100 Cr 10,000,000
↑ 10,000,000 National Fertilizers Limited
Commercial Paper | -3% ₹100 Cr 10,000,000
↑ 10,000,000 91 DTB 20022020
Sovereign Bonds | -3% ₹99 Cr 10,000,000
↑ 10,000,000 Net Receivables / (Payables)
Net Current Assets | -3% -₹93 Cr
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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