+91-22-489139095 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 ₹3,036.57
↑ 0.44 ₹2,002 1,000 1.5 3.3 7 7.1 5.6 7.4 Indiabulls Liquid Fund Growth ₹2,549.95
↑ 0.39 ₹393 500 1.5 3.4 7 6.9 5.5 7.4 Tata Liquid Fund Growth ₹4,152.64
↑ 0.65 ₹22,951 500 1.5 3.3 6.9 7 5.6 7.3 Mirae Asset Cash Management Fund Growth ₹2,764.74
↑ 0.41 ₹13,634 1,000 1.5 3.3 6.9 7 5.6 7.3 Nippon India Liquid Fund Growth ₹6,434.48
↑ 1.01 ₹35,388 100 1.5 3.3 6.9 7 5.6 7.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Sep 25 Research Highlights & Commentary of 5 Funds showcased
Commentary BOI AXA Liquid Fund Indiabulls Liquid Fund Tata Liquid Fund Mirae Asset Cash Management Fund Nippon India Liquid Fund Point 1 Bottom quartile AUM (₹2,002 Cr). Bottom quartile AUM (₹393 Cr). Upper mid AUM (₹22,951 Cr). Lower mid AUM (₹13,634 Cr). Highest AUM (₹35,388 Cr). Point 2 Established history (17+ yrs). Established history (13+ yrs). Oldest track record among peers (21 yrs). Established history (16+ yrs). Established history (21+ yrs). Point 3 Rating: 3★ (bottom quartile). Top rated. Rating: 4★ (upper mid). Rating: 2★ (bottom quartile). Rating: 4★ (lower mid). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.99% (top quartile). 1Y return: 6.99% (upper mid). 1Y return: 6.94% (lower mid). 1Y return: 6.92% (bottom quartile). 1Y return: 6.91% (bottom quartile). Point 6 1M return: 0.47% (top quartile). 1M return: 0.47% (upper mid). 1M return: 0.47% (bottom quartile). 1M return: 0.47% (lower mid). 1M return: 0.47% (bottom quartile). Point 7 Sharpe: 4.36 (top quartile). Sharpe: 3.05 (bottom quartile). Sharpe: 3.33 (lower mid). Sharpe: 3.62 (upper mid). Sharpe: 3.10 (bottom quartile). Point 8 Information ratio: 0.52 (top quartile). Information ratio: -1.37 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 5.64% (bottom quartile). Yield to maturity (debt): 5.77% (lower mid). Yield to maturity (debt): 5.88% (upper mid). Yield to maturity (debt): 5.77% (bottom quartile). Yield to maturity (debt): 5.89% (top quartile). Point 10 Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.11 yrs (upper mid). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.10 yrs (top quartile). Modified duration: 0.11 yrs (lower mid). BOI AXA Liquid Fund
Indiabulls Liquid Fund
Tata Liquid Fund
Mirae Asset Cash Management Fund
Nippon India Liquid Fund
*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. 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. Research Highlights for Indiabulls Liquid Fund 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. Research Highlights for Tata Liquid Fund 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. Research Highlights for Mirae Asset Cash Management Fund Below is the key information for Mirae Asset Cash Management Fund Returns up to 1 year are on (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. Research Highlights for Nippon India Liquid Fund Below is the key information for Nippon India Liquid Fund Returns up to 1 year are on 1. BOI AXA Liquid Fund
BOI AXA Liquid Fund
Growth Launch Date 16 Jul 08 NAV (01 Sep 25) ₹3,036.57 ↑ 0.44 (0.01 %) Net Assets (Cr) ₹2,002 on 31 Jul 25 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.13 Sharpe Ratio 4.36 Information Ratio 0.52 Alpha Ratio 0.03 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 5.64% Effective Maturity 1 Month 17 Days Modified Duration 1 Month 17 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,316 31 Aug 22 ₹10,725 31 Aug 23 ₹11,450 31 Aug 24 ₹12,299 31 Aug 25 ₹13,159 Returns for BOI AXA Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Sep 25 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3.3% 1 Year 7% 3 Year 7.1% 5 Year 5.6% 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 3.96 Yr. Data below for BOI AXA Liquid Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 99.71% Other 0.29% Debt Sector Allocation
Sector Value Cash Equivalent 70.58% Corporate 18.24% Government 10.89% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Limited
Certificate of Deposit | -7% ₹124 Cr 12,500,000 Bank of Baroda
Debentures | -5% ₹99 Cr 10,000,000 Axis Bank Limited
Certificate of Deposit | -5% ₹99 Cr 10,000,000 India (Republic of)
- | -5% ₹99 Cr 10,000,000 LIC Housing Finance Ltd
Commercial Paper | -5% ₹99 Cr 10,000,000 Repo
CBLO/Reverse Repo | -5% ₹93 Cr 364 DTB 15082025
Sovereign Bonds | -4% ₹75 Cr 7,500,000 Sundaram Finance Limited
Commercial Paper | -4% ₹75 Cr 7,500,000 Canara Bank
Certificate of Deposit | -3% ₹60 Cr 6,000,000
↓ -5,000,000 Reliance Jio Infocomm Ltd.
Commercial Paper | -3% ₹50 Cr 5,000,000 2. Indiabulls Liquid Fund
Indiabulls Liquid Fund
Growth Launch Date 27 Oct 11 NAV (01 Sep 25) ₹2,549.95 ↑ 0.39 (0.02 %) Net Assets (Cr) ₹393 on 31 Jul 25 Category Debt - Liquid Fund AMC Indiabulls Asset Management Company Ltd. Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.2 Sharpe Ratio 3.05 Information Ratio -1.37 Alpha Ratio -0.09 Min Investment 500 Min SIP Investment 500 Exit Load NIL Yield to Maturity 5.77% Effective Maturity 1 Month 11 Days Modified Duration 1 Month 10 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,312 31 Aug 22 ₹10,682 31 Aug 23 ₹11,368 31 Aug 24 ₹12,198 31 Aug 25 ₹13,051 Returns for Indiabulls Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Sep 25 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3.4% 1 Year 7% 3 Year 6.9% 5 Year 5.5% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 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 2.23 Yr. Data below for Indiabulls Liquid Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 99.79% Other 0.21% Debt Sector Allocation
Sector Value Cash Equivalent 83.95% Corporate 12.11% Government 3.73% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reverse Repo 16-Jul-25
CBLO/Reverse Repo | -13% ₹41 Cr Reliance Retail Ventures Limited
Commercial Paper | -8% ₹25 Cr 2,500,000
↑ 2,500,000 Punjab National Bank
Domestic Bonds | -8% ₹25 Cr 2,500,000 HDFC Bank Ltd.
Debentures | -8% ₹25 Cr 2,500,000 Indian Oil Corp Ltd.
Commercial Paper | -8% ₹25 Cr 2,500,000
↑ 2,500,000 LIC Housing Finance Ltd.
Commercial Paper | -8% ₹25 Cr 2,500,000 Power Finance Corporation Limited
Debentures | -7% ₹25 Cr 2,450,000 Bajaj Financial Securities Limited
Commercial Paper | -7% ₹24 Cr 2,400,000 Bank Of Baroda
Certificate of Deposit | -6% ₹20 Cr 2,000,000 Axis Bank Limited
Certificate of Deposit | -6% ₹20 Cr 2,000,000
↑ 1,500,000 3. Tata Liquid Fund
Tata Liquid Fund
Growth Launch Date 1 Sep 04 NAV (01 Sep 25) ₹4,152.64 ↑ 0.65 (0.02 %) Net Assets (Cr) ₹22,951 on 31 Jul 25 Category Debt - Liquid Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.39 Sharpe Ratio 3.33 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 5.88% Effective Maturity 1 Month 15 Days Modified Duration 1 Month 15 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,318 31 Aug 22 ₹10,711 31 Aug 23 ₹11,422 31 Aug 24 ₹12,256 31 Aug 25 ₹13,107 Returns for Tata Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Sep 25 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3.3% 1 Year 6.9% 3 Year 7% 5 Year 5.6% 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 11.8 Yr. Abhishek Sonthalia 6 Feb 20 5.49 Yr. Harsh Dave 1 Aug 24 1 Yr. Data below for Tata Liquid Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 99.74% Other 0.26% Debt Sector Allocation
Sector Value Cash Equivalent 83.19% Government 13.36% Corporate 3.18% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bank of Baroda
Debentures | -5% ₹1,315 Cr 26,500 Reliance Retail Ventures Limited
Commercial Paper | -5% ₹1,287 Cr 26,000
↑ 26,000 91 Days Tbill (Md 28/08/2025)
Sovereign Bonds | -5% ₹1,193 Cr 120,000,000 India (Republic of)
- | -4% ₹1,086 Cr 109,500,000 Punjab National Bank
Domestic Bonds | -4% ₹990 Cr 20,000 HDFC Bank Ltd.
Debentures | -3% ₹840 Cr 17,000
↑ 17,000 India (Republic of)
- | -3% ₹817 Cr 82,500,000
↓ -77,500,000 Godrej Consumer Products Ltd.
Commercial Paper | -3% ₹748 Cr 15,000 PNB Housing Finance Ltd.
Commercial Paper | -3% ₹746 Cr 15,000 National Bank for Agriculture and Rural Development
Commercial Paper | -3% ₹744 Cr 15,000 4. Mirae Asset Cash Management Fund
Mirae Asset Cash Management Fund
Growth Launch Date 12 Jan 09 NAV (01 Sep 25) ₹2,764.74 ↑ 0.41 (0.01 %) Net Assets (Cr) ₹13,634 on 31 Jul 25 Category Debt - Liquid Fund AMC Mirae Asset Global Inv (India) Pvt. Ltd Rating ☆☆ Risk Low Expense Ratio 0.14 Sharpe Ratio 3.62 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 5.77% Effective Maturity 1 Month 7 Days Modified Duration 1 Month 6 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,329 31 Aug 22 ₹10,729 31 Aug 23 ₹11,448 31 Aug 24 ₹12,287 31 Aug 25 ₹13,137 Returns for Mirae Asset Cash Management Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Sep 25 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3.3% 1 Year 6.9% 3 Year 7% 5 Year 5.6% 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 0.75 Yr. Data below for Mirae Asset Cash Management Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 99.79% Other 0.21% Debt Sector Allocation
Sector Value Cash Equivalent 79.66% Corporate 12.55% Government 7.58% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps
CBLO/Reverse Repo | -5% ₹648 Cr 91 Days Tbill (Md 28/08/2025)
Sovereign Bonds | -4% ₹547 Cr 55,000,000 Union Bank of India
Domestic Bonds | -4% ₹495 Cr 50,000,000 National Bank for Agriculture and Rural Development
Commercial Paper | -4% ₹495 Cr 50,000,000 182 Days Tbill
Sovereign Bonds | -3% ₹446 Cr 45,000,000 91 Days Tbill Red 21-08-2025
Sovereign Bonds | -3% ₹418 Cr 42,000,000 Canara Bank
Certificate of Deposit | -3% ₹348 Cr 35,000,000 Indian Bank
Certificate of Deposit | -2% ₹323 Cr 32,500,000 India (Republic of)
- | -2% ₹298 Cr 30,000,000 Godrej Consumer Products Ltd.
Commercial Paper | -2% ₹297 Cr 30,000,000
↑ 30,000,000 5. Nippon India Liquid Fund
Nippon India Liquid Fund
Growth Launch Date 9 Dec 03 NAV (01 Sep 25) ₹6,434.48 ↑ 1.01 (0.02 %) Net Assets (Cr) ₹35,388 on 31 Jul 25 Category Debt - Liquid Fund AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Low Expense Ratio 0.33 Sharpe Ratio 3.1 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 5.89% Effective Maturity 1 Month 13 Days Modified Duration 1 Month 10 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,317 31 Aug 22 ₹10,710 31 Aug 23 ₹11,424 31 Aug 24 ₹12,258 31 Aug 25 ₹13,105 Returns for Nippon India Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Sep 25 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3.3% 1 Year 6.9% 3 Year 7% 5 Year 5.6% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.3% 2023 7% 2022 4.8% 2021 3.2% 2020 4.3% 2019 6.7% 2018 7.4% 2017 6.7% 2016 7.7% 2015 8.3% Fund Manager information for Nippon India Liquid Fund
Name Since Tenure Kinjal Desai 25 May 18 7.19 Yr. Vikash Agarwal 14 Sep 24 0.88 Yr. Data below for Nippon India Liquid Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 99.73% Other 0.27% Debt Sector Allocation
Sector Value Cash Equivalent 85.86% Government 8.76% Corporate 5.12% Credit Quality
Rating Value AA 0.13% AAA 99.87% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reverse Repo
CBLO/Reverse Repo | -6% ₹2,456 Cr India (Republic of)
- | -3% ₹1,036 Cr 104,500,000
↑ 5,000,000 Union Bank of India
Domestic Bonds | -2% ₹990 Cr 20,000 India (Republic of)
- | -2% ₹849 Cr 85,000,000 Bank of Baroda
Debentures | -2% ₹744 Cr 15,000 HDFC Bank Ltd.
Debentures | -2% ₹743 Cr 15,000 HDFC Bank Limited
Certificate of Deposit | -2% ₹718 Cr 14,500 91 Days Tbill Red 21-08-2025
Sovereign Bonds | -2% ₹647 Cr 65,000,000
↑ 10,000,000 Indian Oil Corp Ltd.
Commercial Paper | -1% ₹571 Cr 11,500
↓ -4,500 India (Republic of)
- | -1% ₹565 Cr 56,500,000
↓ -3,000,000
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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Research Highlights for BOI AXA Liquid Fund