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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 January 24, 2020 , 136 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 (%)2018 (%)
Nippon India Liquid Fund  Growth ₹4,773.48
↑ 0.66
₹24,235 100 1.32.86.56.97.36.7
IDBI Liquid Fund Growth ₹2,091.6
↑ 0.30
₹2,120 500 1.32.86.56.97.26.6
Baroda Pioneer Liquid Fund Growth ₹2,247.23
↑ 0.30
₹6,071 500 1.32.86.46.97.36.6
ICICI Prudential Liquid Fund Growth ₹289.392
↑ 0.04
₹55,665 500 1.32.86.46.87.36.6
Mirae Asset Cash Management Fund Growth ₹2,048.19
↑ 0.27
₹3,546 1,000 1.32.86.46.87.16.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 25 Jan 20

1. 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 7.4% since its launch.  Ranked 11 in Liquid Fund category.  Return for 2019 was 6.7% , 2018 was 7.4% and 2017 was 6.7% .

Below is the key information for Nippon India Liquid Fund 

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.

DateValue
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

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 ₹203,125.
Net Profit of ₹23,125
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 25 Jan 20

DurationReturns
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
YearReturns
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 
NameSinceTenure
Anju Chhajer1 Oct 136 Yr.
Kinjal Desai25 May 181.35 Yr.

Data below for Nippon India Liquid Fund  as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash99.96%
Other0.04%
Debt Sector Allocation
SectorValue
Cash Equivalent52.28%
Corporate44.72%
Government2.96%
Credit Quality
RatingValue
AAA96.47%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reverse Repo
CBLO/Reverse Repo | -
8%₹2,786 Cr
6.35% Govt Stock 2020
Sovereign Bonds | -
8%₹2,527 Cr252,500,000
↑ 177,500,000
91 DTB 06022020
Sovereign Bonds | -
7%₹2,275 Cr229,500,000
↑ 229,500,000
91 DTB 30012020
Sovereign Bonds | -
5%₹1,592 Cr160,500,000
↑ 160,500,000
AXIS BANK LIMITED
Certificate of Deposit | -
3%₹998 Cr100,000
364 DTB 12122019
Sovereign Bonds | -
3%₹906 Cr90,771,900
8.19% Govt Stock 2020
Sovereign Bonds | -
2%₹803 Cr80,000,000
↑ 35,500,000
Icici Bank Limited **
Certificate of Deposit | -
2%₹798 Cr
91 DTB 20022020
Sovereign Bonds | -
2%₹791 Cr80,000,000
↑ 80,000,000
INFINA Finance Private Limited
Commercial Paper | -
2%₹750 Cr15,000
↑ 15,000

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% 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 (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.

DateValue
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

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 25 Jan 20

DurationReturns
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
YearReturns
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
NameSinceTenure
Raju Sharma3 May 171.75 Yr.

Data below for IDBI Liquid Fund as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Corporate73.03%
Cash Equivalent26.97%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reliance Jio Infocomm Limited
Commercial Paper | -
9%₹150 Cr15,000,000
↑ 5,000,000
Treps
CBLO/Reverse Repo | -
6%₹109 Cr10,920,910
↑ 10,176,420
Reliance Retail Limited
Commercial Paper | -
6%₹100 Cr10,000,000
Aarti Industries Limited
Commercial Paper | -
6%₹100 Cr10,000,000
IDFC BANK LIMITED
Certificate of Deposit | -
6%₹100 Cr10,000,000
INDIAN OIL CORPORATION LIMITED
Commercial Paper | -
6%₹100 Cr10,000,000
RASHTRIYA CHEMICALS AND FERTILIZERS LIMITED
Commercial Paper | -
6%₹100 Cr10,000,000
KEC INTERNATIONAL LIMITED
Commercial Paper | -
6%₹100 Cr10,000,000
Sundaram Finance Limited
Commercial Paper | -
6%₹99 Cr10,000,000
↑ 10,000,000
The Tata Power Company Limited
Commercial Paper | -
6%₹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 2019 was 6.6% , 2018 was 7.5% and 2017 was 6.7% .

Below is the key information for Baroda Pioneer Liquid Fund

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.

DateValue
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

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 25 Jan 20

DurationReturns
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
YearReturns
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
NameSinceTenure
Hetal Shah5 Feb 0910.66 Yr.
Alok Sahoo5 Feb 0910.66 Yr.

Data below for Baroda Pioneer Liquid Fund as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Corporate46.28%
Cash Equivalent46.26%
Government7.45%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Cblo
CBLO | -
21%₹1,497 Cr
91 DTB 19122019
Sovereign Bonds | -
7%₹499 Cr50,000,000
↑ 50,000,000
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Certificate of Deposit | -
5%₹355 Cr35,500
↑ 35,500
91 DTB 12122019
Sovereign Bonds | -
5%₹333 Cr33,390,200
INDUSIND BANK LIMITED
Certificate of Deposit | -
4%₹300 Cr30,000
↑ 30,000
42 DTB 17122019
Sovereign Bonds | -
4%₹288 Cr28,854,100
↑ 28,854,100
AXIS BANK LIMITED
Certificate of Deposit | -
3%₹200 Cr20,000
↑ 20,000
ANDHRA BANK
Certificate of Deposit | -
3%₹200 Cr20,000
↑ 20,000
ADITYA BIRLA HOUSING FINANCE LIMITED
Commercial Paper | -
3%₹200 Cr4,000
AXIS BANK LIMITED
Certificate of Deposit | -
3%₹199 Cr20,000

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 7.8% since its launch.  Ranked 20 in Liquid Fund category.  Return for 2019 was 6.6% , 2018 was 7.4% and 2017 was 6.6% .

Below is the key information for ICICI Prudential Liquid Fund

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.

DateValue
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

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 25 Jan 20

DurationReturns
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
YearReturns
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
NameSinceTenure
Rahul Goswami27 Sep 127.26 Yr.
Rohan Maru19 Sep 136.29 Yr.

Data below for ICICI Prudential Liquid Fund as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent50.88%
Corporate49%
Government0.12%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 20022020
Sovereign Bonds | -
6%₹3,957 Cr400,000,000
↑ 400,000,000
Reverse Repo
CBLO/Reverse Repo | -
6%₹3,891 Cr
91 DTB 19122019
Sovereign Bonds | -
5%₹2,995 Cr300,187,000
91 DTB 13022020
Sovereign Bonds | -
5%₹2,886 Cr291,497,500
↑ 291,497,500
TATA SONS PRIVATE LIMITED
Commercial Paper | -
3%₹1,995 Cr40,000
42 DTB 17122019
Sovereign Bonds | -
3%₹1,681 Cr168,500,000
↑ 168,500,000
91 DTB 12122019
Sovereign Bonds | -
3%₹1,679 Cr168,174,700
6.35% Govt Stock 2020
Sovereign Bonds | -
3%₹1,663 Cr166,160,000
91 DTB 06022020
Sovereign Bonds | -
3%₹1,606 Cr162,000,000
↑ 162,000,000
91 DTB 05122019
Sovereign Bonds | -
2%₹1,277 Cr127,746,600

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 6.7% since its launch.  Ranked 48 in Liquid Fund category.  Return for 2019 was 6.6% , 2018 was 7.3% and 2017 was 6.6% .

Below is the key information for Mirae Asset Cash Management Fund

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.

DateValue
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

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 ₹203,125.
Net Profit of ₹23,125
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 25 Jan 20

DurationReturns
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
YearReturns
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
NameSinceTenure
Mahendra Jajoo8 Sep 163.31 Yr.

Data below for Mirae Asset Cash Management Fund as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Corporate53.29%
Cash Equivalent42.65%
Government4.06%
Credit Quality
RatingValue
AA1.12%
AAA98.88%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Tri Party Repo
CBLO/Reverse Repo | -
23%₹833 Cr
Chennai Petroleum Corporation Ltd
Commercial Paper | -
5%₹200 Cr20,000,000
↑ 20,000,000
ANDHRA BANK
Certificate of Deposit | -
5%₹200 Cr20,000,000
Indian Railway Finance Corporation Limited
Commercial Paper | -
5%₹198 Cr20,000,000
↑ 20,000,000
42 DTB 17122019
Sovereign Bonds | -
5%₹173 Cr17,312,600
↑ 17,312,600
IIFL Wealth Finance Limited
Commercial Paper | -
4%₹150 Cr15,000,000
↑ 15,000,000
AXIS BANK LIMITED
Certificate of Deposit | -
3%₹100 Cr10,000,000
↑ 10,000,000
National Fertilizers Limited
Commercial Paper | -
3%₹100 Cr10,000,000
↑ 10,000,000
91 DTB 20022020
Sovereign Bonds | -
3%₹99 Cr10,000,000
↑ 10,000,000
Net Receivables / (Payables)
Net Current Assets | -
3%-₹93 Cr

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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