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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 May 24, 2020 , 463 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 (%)2019 (%)
IDBI Liquid Fund Growth ₹2,133.12
↑ 0.23
₹1,153 500 1.52.86.16.87.16.6
Nippon India Liquid Fund  Growth ₹4,864.51
↑ 0.60
₹26,033 100 1.42.866.87.16.7
Tata Liquid Fund Growth ₹3,140.09
↑ 0.37
₹13,489 500 1.52.866.87.16.6
ICICI Prudential Liquid Fund Growth ₹294.925
↑ 0.03
₹45,457 500 1.52.85.96.77.16.6
LIC MF Liquid Fund Growth ₹3,603.65
↑ 0.57
₹5,924 1,000 1.52.85.96.776.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 26 May 20

*Above is list of best Liquid funds are having AUM/Net Assets above 100 Crore. Sorted on Last 1 Year Return.

1. 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 (26 May 20) ₹2,133.12 ↑ 0.23   (0.01 %)
Net Assets (Cr) ₹1,153 on 30 Apr 20
Category Debt - Liquid Fund
AMC IDBI Asset Management Limited
Rating
Risk Low
Expense Ratio 0.25
Sharpe Ratio 14.68
Information Ratio -0.78
Alpha Ratio 0.52
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 0%
Effective Maturity
Modified Duration

Growth of 10,000 investment over the years.

DateValue
30 Apr 15₹10,000
30 Apr 16₹10,806
30 Apr 17₹11,565
30 Apr 18₹12,348
30 Apr 19₹13,278
30 Apr 20₹14,098

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 26 May 20

DurationReturns
1 Month 0.4%
3 Month 1.5%
6 Month 2.8%
1 Year 6.1%
3 Year 6.8%
5 Year 7.1%
10 Year
15 Year
Since launch 8%
Historical performance (Yearly) on absolute basis
YearReturns
2019 6.6%
2018 7.5%
2017 6.6%
2016 7.5%
2015 8.3%
2014 9%
2013 9%
2012 9.7%
2011 8.9%
2010
Fund Manager information for IDBI Liquid Fund
NameSinceTenure
Raju Sharma3 May 172.91 Yr.

Data below for IDBI Liquid Fund as on 30 Apr 20

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent56.87%
Corporate34.5%
Government8.63%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Commercial Paper | -
9%₹100 Cr10,000,000
Axis Bank Limited
Certificate of Deposit | -
9%₹99 Cr10,000,000
Reliance Industries Limited
Commercial Paper | -
9%₹99 Cr10,000,000
The Ramco Cements Limited
Commercial Paper | -
9%₹99 Cr10,000,000
↑ 10,000,000
Tata Capital Financial Services Limited
Commercial Paper | -
9%₹99 Cr10,000,000
↑ 10,000,000
Aditya Birla Finance Limited
Debentures | -
8%₹94 Cr7,500,000
Tata Power Company Limited
Commercial Paper | -
8%₹89 Cr9,000,000
↑ 9,000,000
Bandhan Bank Limited
Certificate of Deposit | -
7%₹85 Cr8,500,000
Aditya Birla Fashion And Retail Limited
Commercial Paper | -
6%₹75 Cr7,500,000
↑ 7,500,000
91 DTB 28052020
Sovereign Bonds | -
4%₹50 Cr5,000,000

2. 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 7.3% 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 (26 May 20) ₹4,864.51 ↑ 0.60   (0.01 %)
Net Assets (Cr) ₹26,033 on 30 Apr 20
Category Debt - Liquid Fund
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 0.21
Sharpe Ratio 17.06
Information Ratio -0.94
Alpha Ratio 0.3
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 4.76%
Effective Maturity 1 Month 16 Days
Modified Duration 1 Month 12 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 15₹10,000
30 Apr 16₹10,815
30 Apr 17₹11,586
30 Apr 18₹12,379
30 Apr 19₹13,312
30 Apr 20₹14,125

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 26 May 20

DurationReturns
1 Month 0.4%
3 Month 1.4%
6 Month 2.8%
1 Year 6%
3 Year 6.8%
5 Year 7.1%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
2019 6.7%
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%
Fund Manager information for Nippon India Liquid Fund 
NameSinceTenure
Anju Chhajer1 Oct 136.5 Yr.
Kinjal Desai25 May 181.85 Yr.

Data below for Nippon India Liquid Fund  as on 30 Apr 20

Asset Allocation
Asset ClassValue
Cash107.11%
Debt Sector Allocation
SectorValue
Cash Equivalent54.55%
Corporate45.98%
Government6.58%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Current Assets
Receivables | -
7%-₹1,850 Cr
77 DTB 16062020
Sovereign Bonds | -
6%₹1,493 Cr150,000,000
84 DTB 23062020
Sovereign Bonds | -
6%₹1,487 Cr149,500,000
↑ 119,500,000
7.80% Govt Stock 2020
Sovereign Bonds | -
4%₹1,035 Cr103,500,000
↑ 1,000,000
Reverse Repo
CBLO/Reverse Repo | -
4%₹929 Cr
Bank Of Baroda
Certificate of Deposit | -
3%₹849 Cr85,300
ICICI Bank Limited
Certificate of Deposit | -
3%₹796 Cr80,000
Bank Of Baroda
Certificate of Deposit | -
3%₹771 Cr77,600
↑ 77,600
Axis Bank Limited
Certificate of Deposit | -
3%₹696 Cr70,000
Reliance Jio Infocomm Limited
Commercial Paper | -
2%₹596 Cr12,000

3. Tata Liquid Fund

(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.

Tata Liquid Fund is a Debt - Liquid Fund fund was launched on 1 Sep 04. It is a fund with Low risk and has given a CAGR/Annualized return of 7.5% since its launch.  Ranked 18 in Liquid Fund category.  Return for 2019 was 6.6% , 2018 was 7.4% and 2017 was 6.7% .

Below is the key information for Tata Liquid Fund

Tata Liquid Fund
Growth
Launch Date 1 Sep 04
NAV (26 May 20) ₹3,140.09 ↑ 0.37   (0.01 %)
Net Assets (Cr) ₹13,489 on 30 Apr 20
Category Debt - Liquid Fund
AMC Tata Asset Management Limited
Rating
Risk Low
Expense Ratio 0.34
Sharpe Ratio 11.96
Information Ratio -0.9
Alpha Ratio -0.41
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 0%
Effective Maturity
Modified Duration

Growth of 10,000 investment over the years.

DateValue
30 Apr 15₹10,000
30 Apr 16₹10,816
30 Apr 17₹11,588
30 Apr 18₹12,378
30 Apr 19₹13,304
30 Apr 20₹14,117

Tata 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 Tata 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 26 May 20

DurationReturns
1 Month 0.4%
3 Month 1.5%
6 Month 2.8%
1 Year 6%
3 Year 6.8%
5 Year 7.1%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2019 6.6%
2018 7.4%
2017 6.7%
2016 7.7%
2015 8.4%
2014 9.1%
2013 9.3%
2012 9.8%
2011 9%
2010 5%
Fund Manager information for Tata Liquid Fund
NameSinceTenure
Amit Somani16 Oct 136.46 Yr.

Data below for Tata Liquid Fund as on 30 Apr 20

Asset Allocation
Asset ClassValue
Cash96.57%
Other3.43%
Debt Sector Allocation
SectorValue
Cash Equivalent61.04%
Corporate32.38%
Government3.15%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 09-Jul-2020
Sovereign Bonds | -
11%₹1,535 Cr154,500,000
↑ 154,500,000
84 DTB 23062020
Sovereign Bonds | -
8%₹1,099 Cr110,500,000
↑ 10,500,000
Indian Oil Corporation Limited
Commercial Paper | -
5%₹646 Cr13,000
↑ 13,000
91 DTB 07052020
Sovereign Bonds | -
4%₹512 Cr51,236,800
↑ 45,500,000
91 DTB 30062020
Sovereign Bonds | -
4%₹472 Cr47,500,000
↑ 47,500,000
Cash / Net Current Asset
Receivables | -
3%₹463 Cr
77 DTB 16062020
Sovereign Bonds | -
3%₹458 Cr46,000,000
↓ -26,500,000
364 DTB 07052020
Sovereign Bonds | -
2%₹300 Cr30,000,000
NTPC Limited
Commercial Paper | -
2%₹300 Cr6,000
↑ 6,000
Reliance Industries Limited
Commercial Paper | -
2%₹298 Cr6,000

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 7.7% 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 (26 May 20) ₹294.925 ↑ 0.03   (0.01 %)
Net Assets (Cr) ₹45,457 on 30 Apr 20
Category Debt - Liquid Fund
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Low
Expense Ratio 0.22
Sharpe Ratio 14.5
Information Ratio -1.48
Alpha Ratio -0.03
Min Investment 500
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 0%
Effective Maturity
Modified Duration

Growth of 10,000 investment over the years.

DateValue
30 Apr 15₹10,000
30 Apr 16₹10,815
30 Apr 17₹11,585
30 Apr 18₹12,375
30 Apr 19₹13,296
30 Apr 20₹14,099

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 26 May 20

DurationReturns
1 Month 0.4%
3 Month 1.5%
6 Month 2.8%
1 Year 5.9%
3 Year 6.7%
5 Year 7.1%
10 Year
15 Year
Since launch 7.7%
Historical performance (Yearly) on absolute basis
YearReturns
2019 6.6%
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%
Fund Manager information for ICICI Prudential Liquid Fund
NameSinceTenure
Rahul Goswami27 Sep 127.51 Yr.
Rohan Maru19 Sep 136.53 Yr.

Data below for ICICI Prudential Liquid Fund as on 30 Apr 20

Asset Allocation
Asset ClassValue
Cash109.27%
Debt Sector Allocation
SectorValue
Cash Equivalent71.03%
Corporate36.38%
Government1.86%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Current Assets
Receivables | -
9%-₹4,216 Cr
77 DTB 16062020
Sovereign Bonds | -
9%₹4,127 Cr414,500,000
↑ 64,500,000
84 DTB 23062020
Sovereign Bonds | -
9%₹4,114 Cr413,500,000
↑ 63,500,000
Reliance Industries Limited
Commercial Paper | -
4%₹1,990 Cr40,000
National Housing Bank
Commercial Paper | -
4%₹1,986 Cr40,000
Reliance Industries Limited
Commercial Paper | -
3%₹1,243 Cr25,000
Indian Oil Corporation Limited
Commercial Paper | -
2%₹1,108 Cr22,200
Reliance Jio Infocomm Limited
Commercial Paper | -
2%₹999 Cr20,000
91 DTB 30062020
Sovereign Bonds | -
2%₹994 Cr100,000,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
2%₹994 Cr20,000

5. LIC MF Liquid Fund

An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through a judicious mix of investment in money market instruments and quality debt instruments. However, there is no assurance that the investment objective of the Scheme will be realised.

LIC MF Liquid Fund is a Debt - Liquid Fund fund was launched on 11 Mar 02. It is a fund with Low risk and has given a CAGR/Annualized return of 7.3% since its launch.  Ranked 25 in Liquid Fund category.  Return for 2019 was 6.5% , 2018 was 7.3% and 2017 was 6.6% .

Below is the key information for LIC MF Liquid Fund

LIC MF Liquid Fund
Growth
Launch Date 11 Mar 02
NAV (26 May 20) ₹3,603.65 ↑ 0.57   (0.02 %)
Net Assets (Cr) ₹5,924 on 30 Apr 20
Category Debt - Liquid Fund
AMC LIC Mutual Fund Asset Mgmt Co Ltd
Rating
Risk Low
Expense Ratio 0.24
Sharpe Ratio 12.37
Information Ratio -1.45
Alpha Ratio 0.03
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 4.7%
Effective Maturity 1 Month 14 Days
Modified Duration

Growth of 10,000 investment over the years.

DateValue
30 Apr 15₹10,000
30 Apr 16₹10,814
30 Apr 17₹11,576
30 Apr 18₹12,361
30 Apr 19₹13,275
30 Apr 20₹14,075

LIC MF 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 LIC MF 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 26 May 20

DurationReturns
1 Month 0.4%
3 Month 1.5%
6 Month 2.8%
1 Year 5.9%
3 Year 6.7%
5 Year 7%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
2019 6.5%
2018 7.3%
2017 6.6%
2016 7.6%
2015 8.4%
2014 9%
2013 9.1%
2012 9.3%
2011 8.4%
2010 5.4%
Fund Manager information for LIC MF Liquid Fund
NameSinceTenure
Rahul Singh5 Oct 154.49 Yr.

Data below for LIC MF Liquid Fund as on 30 Apr 20

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent48.03%
Corporate43.51%
Government8.46%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 11062020
Sovereign Bonds | -
7%₹398 Cr40,000,000
BANK OF BARODA
Certificate of Deposit | -
7%₹394 Cr39,500
↑ 3,000
364 DTB 14052020
Sovereign Bonds | -
5%₹300 Cr30,000,000
Tata Steel Limited
Commercial Paper | -
5%₹299 Cr6,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
5%₹298 Cr6,000
Kotak Mahindra Bank Limited
Certificate of Deposit | -
5%₹298 Cr30,000
Aditya Birla Finance Limited
Commercial Paper | -
5%₹298 Cr6,000
L&T Housing Finance Limited
Commercial Paper | -
5%₹296 Cr6,000
↑ 6,000
INDIAN BANK
Certificate of Deposit | -
5%₹272 Cr27,300
↓ -2,700
Reliance Industries Limited
Commercial Paper | -
4%₹249 Cr5,000

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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