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5 Best Performing Liquid Funds for SIP 2025
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 25 - 26
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) BOI AXA Liquid Fund Growth ₹3,005.2
↑ 0.28 ₹1,849 1,000 1.8 3.6 7.2 7 5.5 7.4 Indiabulls Liquid Fund Growth ₹2,523.78
↑ 0.23 ₹212 500 1.8 3.6 7.2 6.8 5.4 7.4 Tata Liquid Fund Growth ₹4,110.27
↑ 0.46 ₹18,156 500 1.8 3.5 7.2 6.9 5.5 7.3 Mirae Asset Cash Management Fund Growth ₹2,736.54
↑ 0.25 ₹14,285 1,000 1.8 3.5 7.2 6.9 5.5 7.3 ICICI Prudential Liquid Fund Growth ₹386.335
↑ 0.04 ₹50,000 99 1.8 3.5 7.2 6.9 5.5 7.4 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Jun 25
*Above is list of best Liquid funds are having AUM/Net Assets above 100 Crore. Sorted on Last 1 Year Return.
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 Below is the key information for BOI AXA Liquid Fund Returns up to 1 year are on To provide a high level of liquidity with returns commensurate with low risk through a portfolio of money market and debt securities with maturity of up to 91days. However, there can be no assurance that the investment objective of the scheme will be achieved. Indiabulls Liquid Fund is a Debt - Liquid Fund fund was launched on 27 Oct 11. It is a fund with Low risk and has given a Below is the key information for Indiabulls Liquid Fund Returns up to 1 year are on (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 Below is the key information for Tata 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 (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 1. BOI AXA Liquid Fund
CAGR/Annualized return of 6.7% since its launch. Ranked 34 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.9% . BOI AXA Liquid Fund
Growth Launch Date 16 Jul 08 NAV (27 Jun 25) ₹3,005.2 ↑ 0.28 (0.01 %) Net Assets (Cr) ₹1,849 on 31 May 25 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.1 Sharpe Ratio 4.22 Information Ratio 0.17 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 5.91% Effective Maturity 1 Month 28 Days Modified Duration 1 Month 24 Days Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,318 31 May 22 ₹10,679 31 May 23 ₹11,350 31 May 24 ₹12,183 31 May 25 ₹13,074 Returns for BOI AXA Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jun 25 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 3.6% 1 Year 7.2% 3 Year 7% 5 Year 5.5% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 7% 2022 4.9% 2021 3.3% 2020 4.1% 2019 6.4% 2018 7.4% 2017 6.7% 2016 7.6% 2015 8.3% Fund Manager information for BOI AXA Liquid Fund
Name Since Tenure Mithraem Bharucha 17 Aug 21 3.79 Yr. Data below for BOI AXA Liquid Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 99.79% Other 0.21% Debt Sector Allocation
Sector Value Cash Equivalent 85.94% Government 12.12% Corporate 1.73% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Repo
CBLO/Reverse Repo | -9% ₹172 Cr Net Receivables / (Payables)
Net Current Assets | -5% -₹97 Cr 91 Days Tbill Red 12-06-2025
Sovereign Bonds | -4% ₹75 Cr 7,500,000 National Bank For Agriculture And Rural Development
Commercial Paper | -4% ₹74 Cr 7,500,000 India (Republic of)
- | -4% ₹74 Cr 7,500,000
↑ 7,500,000 India (Republic of)
- | -4% ₹74 Cr 7,455,000 Bajaj Finance Limited
Commercial Paper | -3% ₹50 Cr 5,000,000 Icici Securities Primary Dealership Ltd
Commercial Paper | -3% ₹50 Cr 5,000,000 Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -3% ₹50 Cr 5,000,000 Small Industries Dev Bank Of India**
Commercial Paper | -3% ₹50 Cr 5,000,000 2. Indiabulls Liquid Fund
CAGR/Annualized return of 7% since its launch. Ranked 2 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 6.8% and 2022 was 4.6% . Indiabulls Liquid Fund
Growth Launch Date 27 Oct 11 NAV (27 Jun 25) ₹2,523.78 ↑ 0.23 (0.01 %) Net Assets (Cr) ₹212 on 31 May 25 Category Debt - Liquid Fund AMC Indiabulls Asset Management Company Ltd. Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.25 Sharpe Ratio 2.96 Information Ratio -1.75 Alpha Ratio -0.09 Min Investment 500 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.21% Effective Maturity 1 Month 8 Days Modified Duration 1 Month 8 Days Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,312 31 May 22 ₹10,639 31 May 23 ₹11,265 31 May 24 ₹12,080 31 May 25 ₹12,957 Returns for Indiabulls Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jun 25 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 3.6% 1 Year 7.2% 3 Year 6.8% 5 Year 5.4% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 6.8% 2022 4.6% 2021 3.1% 2020 3.9% 2019 6.6% 2018 7.3% 2017 6.7% 2016 7.8% 2015 8.5% Fund Manager information for Indiabulls Liquid Fund
Name Since Tenure Kaustubh Sule 11 May 23 2.06 Yr. Data below for Indiabulls Liquid Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 99.75% Other 0.25% Debt Sector Allocation
Sector Value Cash Equivalent 66.35% Government 20.01% Corporate 13.39% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Export-Import Bank Of India
Commercial Paper | -9% ₹20 Cr 2,000,000
↑ 500,000 India (Republic of)
- | -9% ₹20 Cr 2,000,000
↑ 1,000,000 Punjab National Bank
Domestic Bonds | -9% ₹20 Cr 2,000,000
↑ 2,000,000 Indian Oil Corp Ltd.
Commercial Paper | -7% ₹15 Cr 1,500,000
↑ 1,500,000 National Bank For Agriculture And Rural Development (10/06/2025) **
Commercial Paper | -6% ₹14 Cr 1,425,000 Small Industries Development Bank Of India
Debentures | -4% ₹10 Cr 1,000,000 Bank Of Baroda
Certificate of Deposit | -4% ₹10 Cr 1,000,000 Icici Securities Limited (Earlier Icici Brokerage Services Limited)
Commercial Paper | -4% ₹10 Cr 1,000,000 HDFC Securities Limited
Commercial Paper | -4% ₹10 Cr 1,000,000 Axis Bank Limited
Certificate of Deposit | -4% ₹10 Cr 1,000,000
↑ 1,000,000 3. Tata Liquid Fund
CAGR/Annualized return of 7% since its launch. Ranked 18 in Liquid Fund category. Return for 2024 was 7.3% , 2023 was 7% and 2022 was 4.8% . Tata Liquid Fund
Growth Launch Date 1 Sep 04 NAV (27 Jun 25) ₹4,110.27 ↑ 0.46 (0.01 %) Net Assets (Cr) ₹18,156 on 31 May 25 Category Debt - Liquid Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0 Sharpe Ratio 3.09 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.37% Effective Maturity 1 Month 14 Days Modified Duration 1 Month 14 Days Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,320 31 May 22 ₹10,673 31 May 23 ₹11,330 31 May 24 ₹12,149 31 May 25 ₹13,027 Returns for Tata Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jun 25 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 3.5% 1 Year 7.2% 3 Year 6.9% 5 Year 5.5% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.3% 2023 7% 2022 4.8% 2021 3.2% 2020 4.3% 2019 6.6% 2018 7.4% 2017 6.7% 2016 7.7% 2015 8.4% Fund Manager information for Tata Liquid Fund
Name Since Tenure Amit Somani 16 Oct 13 11.63 Yr. Abhishek Sonthalia 6 Feb 20 5.32 Yr. Harsh Dave 1 Aug 24 0.83 Yr. Data below for Tata Liquid Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 99.7% Other 0.3% Debt Sector Allocation
Sector Value Cash Equivalent 85.17% Corporate 13.62% Government 0.92% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Punjab National Bank ** #
Certificate of Deposit | -6% ₹1,367 Cr 27,500 364 DTB
Sovereign Bonds | -5% ₹1,140 Cr 114,500,000 Bank Of Baroda
Certificate of Deposit | -5% ₹996 Cr 20,000 Indian Oil Corp Ltd.
Commercial Paper | -5% ₹994 Cr 20,000 ICICI Securities Limited**
Commercial Paper | -4% ₹871 Cr 17,500
↓ -4,000 91 Days Tbill Red 19-06-2025
Sovereign Bonds | -4% ₹806 Cr 81,000,000 Small Industries Dev Bank Of India (05/06/2025) **
Commercial Paper | -3% ₹747 Cr 15,000 National Bank For Agriculture And Rural Development (10/06/2025) **
Commercial Paper | -3% ₹747 Cr 15,000 Godrej Consumer Products Ltd.
Commercial Paper | -3% ₹739 Cr 15,000
↑ 15,000 Bank of Baroda
Debentures | -3% ₹739 Cr 15,000
↑ 15,000 4. Mirae Asset Cash Management Fund
CAGR/Annualized return of 6.3% since its launch. Ranked 48 in Liquid Fund category. Return for 2024 was 7.3% , 2023 was 7% and 2022 was 4.8% . Mirae Asset Cash Management Fund
Growth Launch Date 12 Jan 09 NAV (27 Jun 25) ₹2,736.54 ↑ 0.25 (0.01 %) Net Assets (Cr) ₹14,285 on 31 May 25 Category Debt - Liquid Fund AMC Mirae Asset Global Inv (India) Pvt. Ltd Rating ☆☆ Risk Low Expense Ratio 0.15 Sharpe Ratio 3.55 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.19% Effective Maturity 1 Month 21 Days Modified Duration 1 Month 17 Days Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,330 31 May 22 ₹10,689 31 May 23 ₹11,354 31 May 24 ₹12,177 31 May 25 ₹13,057 Returns for Mirae Asset Cash Management Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jun 25 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 3.5% 1 Year 7.2% 3 Year 6.9% 5 Year 5.5% 10 Year 15 Year Since launch 6.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.3% 2023 7% 2022 4.8% 2021 3.3% 2020 4.2% 2019 6.6% 2018 7.3% 2017 6.6% 2016 7.2% 2015 7.8% Fund Manager information for Mirae Asset Cash Management Fund
Name Since Tenure Amit Modani 1 Nov 24 0.58 Yr. Data below for Mirae Asset Cash Management Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 99.78% Other 0.22% Debt Sector Allocation
Sector Value Cash Equivalent 76.46% Corporate 13.49% Government 9.82% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps
CBLO/Reverse Repo | -4% ₹449 Cr 91 Days Tbill Red 12-06-2025
Sovereign Bonds | -4% ₹448 Cr 45,000,000 India (Republic of)
- | -3% ₹445 Cr 45,000,000
↑ 30,000,000 182 DTB 27062025
Sovereign Bonds | -3% ₹373 Cr 37,500,000 HDFC Bank Ltd. ** #
Certificate of Deposit | -2% ₹299 Cr 30,000,000 National Bank for Agriculture and Rural Development
Commercial Paper | -2% ₹298 Cr 30,000,000 India (Republic of)
- | -2% ₹297 Cr 30,000,000 India (Republic of)
- | -2% ₹272 Cr 27,500,000 Axis Bank Limited
Certificate of Deposit | -2% ₹249 Cr 25,000,000 Bank Of Baroda
Certificate of Deposit | -2% ₹249 Cr 25,000,000 5. ICICI Prudential Liquid Fund
CAGR/Annualized return of 7.1% since its launch. Ranked 20 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.8% . ICICI Prudential Liquid Fund
Growth Launch Date 17 Nov 05 NAV (27 Jun 25) ₹386.335 ↑ 0.04 (0.01 %) Net Assets (Cr) ₹50,000 on 31 May 25 Category Debt - Liquid Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.29 Sharpe Ratio 3.19 Information Ratio -1.12 Alpha Ratio -0.1 Min Investment 500 Min SIP Investment 99 Exit Load NIL Yield to Maturity 6.33% Effective Maturity 1 Month 21 Days Modified Duration 1 Month 17 Days Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,324 31 May 22 ₹10,675 31 May 23 ₹11,337 31 May 24 ₹12,158 31 May 25 ₹13,037 Returns for ICICI Prudential Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jun 25 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 3.5% 1 Year 7.2% 3 Year 6.9% 5 Year 5.5% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 7% 2022 4.8% 2021 3.2% 2020 4.3% 2019 6.6% 2018 7.4% 2017 6.6% 2016 7.7% 2015 8.3% Fund Manager information for ICICI Prudential Liquid Fund
Name Since Tenure Nikhil Kabra 1 Dec 23 1.5 Yr. Darshil Dedhia 12 Jun 23 1.97 Yr. Data below for ICICI Prudential Liquid Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 99.75% Other 0.25% Debt Sector Allocation
Sector Value Cash Equivalent 83.39% Corporate 10.81% Government 5.55% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 91 Days Tbill Red 12-06-2025
Sovereign Bonds | -7% ₹3,794 Cr 381,000,000
↓ -19,000,000 91 Days Tbill Red 19-06-2025
Sovereign Bonds | -5% ₹2,487 Cr 250,000,000 Punjab National Bank ** #
Certificate of Deposit | -4% ₹2,237 Cr 45,000 Small Industries Development Bank of India
Commercial Paper | -3% ₹1,487 Cr 30,000 India (Republic of)
- | -2% ₹1,189 Cr 120,000,000 Treps
CBLO/Reverse Repo | -2% ₹1,010 Cr Punjab National Bank **
Net Current Assets | -2% ₹984 Cr 20,000
↑ 20,000 National Bk For Agriculture & Rural Dev. **
Commercial Paper | -2% ₹896 Cr 18,000 Rbl Bank Limited
Certificate of Deposit | -2% ₹896 Cr 18,000 Bajaj Financial Securities Limited
Commercial Paper | -1% ₹795 Cr 16,000
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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