Liquid Mutual Funds

Find here some best Liquid fund to invest

Annual Returns 3.98%
Average Risk Low
Total Funds 39

What is Liquid Mutual Fund?

A Liquid Mutual Fund falls under the category of debt mutual funds that mainly invests in short-term, high-credit-quality and low-risk investment instruments. These funds offer safe and flexible investment options. The main purpose of these mutual funds is to provide capital preservation while generating better returns. The liquid funds in India have a lower expense ratio with no lock-in period.

These funds are highly liquid with a lower risk rate and offer an instant redemption facility.
These funds are more stable and typically offer better returns than any savings account.
Many liquid funds do not charge an entry or exit load and have lower management fees.

Top Performing Liquid Funds in India for High Returns

Returns

SIP Returns

Risk

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NAV Details

Data in this table : Get historical returns. If 1Y column is 10% that means, fund has given 10% returns in last 1 year.

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Fund Name	AUM (Cr.)	Fund Age	1W	1M	3M	6M	YTD	1Y	2Y	3Y	5Y	10Y
Kotak Liquid Regular Plan Growth	40674.68	21 years	0.13%	0.58%	1.75%	3.57%	-	7.36%	7.11%	6.18%	5.21%	6.28%	Invest
Franklin India Liquid Fund - Super Institutional Plan - Growth	3139.68	20 years	0.1%	0.47%	1.43%	3.35%	4.7%	6.96%	7.15%	7%	5.62%	6.26%	Invest
Franklin India Liquid Fund - Super Institutional Plan - Growth	3139.68	20 years	0.1%	0.47%	1.43%	3.35%	4.7%	6.96%	7.15%	7%	5.62%	6.26%	Invest
Axis Liquid Fund - Regular Plan - Growth Option	37122.11	15 years	0.1%	0.46%	1.42%	3.3%	4.68%	6.93%	7.14%	7.03%	5.65%	6.23%	Invest
Groww Liquid Fund - Existing Plan - Growth	302.82	13 years	0.1%	0.47%	1.42%	3.32%	4.69%	6.93%	7.12%	6.9%	5.49%	6.12%	Invest
Bank Of India Liquid Fundregular Plan - Growth	1824.27	17 years	0.1%	0.46%	1.46%	3.34%	4.71%	6.93%	7.16%	7.05%	5.66%	6.19%	Invest
PGIM India Liquid Fund - Growth	544.58	18 years	0.1%	0.47%	1.41%	3.31%	4.66%	6.91%	7.08%	6.97%	5.6%	6.21%	Invest
DSP Liquidity Fund - Regular Plan - Growth	22725.56	19 years	0.1%	0.46%	1.42%	3.28%	4.64%	6.9%	7.11%	6.97%	5.6%	6.16%	Invest
Tata Liquid Fund -Regular Plan - Growth Option	24038.47	21 years	0.1%	0.47%	1.42%	3.3%	4.65%	6.9%	7.09%	6.95%	5.57%	6.18%	Invest
Canara Robeco Liquid Fund - Regular Plan - Growth Option	7133.48	17 years	0.1%	0.48%	1.44%	3.32%	4.7%	6.9%	7.11%	7.02%	5.62%	6.08%	Invest
Invesco India Liquid Fund - Growth	14542.78	18 years	0.1%	0.46%	1.41%	3.29%	4.64%	6.89%	7.11%	6.98%	5.61%	6.17%	Invest
UTI Liquid Fund - Regular Plan - Growth Option	25036.71	21 years	0.12%	0.47%	1.42%	3.29%	4.67%	6.88%	7.09%	6.99%	5.62%	6.2%	Invest
Aditya Birla Sun Life Liquid Fund-Institutional (Growth)	49720.60	22 years	0.1%	0.47%	1.41%	3.29%	4.65%	6.88%	7.1%	7%	5.61%	6.22%	Invest
Aditya Birla Sun Life Liquid Fund - Growth	49720.60	21 years	0.1%	0.47%	1.41%	3.29%	4.65%	6.88%	7.1%	7%	5.61%	6.22%	Invest
Aditya Birla Sun Life Liquid Fund-Retail (Growth)	49720.60	28 years	0.1%	0.47%	1.41%	3.29%	4.65%	6.88%	7.1%	7%	5.61%	6.22%	Invest
HSBC Liquid Fund - Regular Growth	15152.45	21 years	0.1%	0.45%	1.4%	3.29%	4.64%	6.88%	7.1%	6.98%	5.6%	6.17%	Invest
Edelweiss Liquid Fund - Regular Plan - Growth Option	10217.51	17 years	0.1%	0.47%	1.44%	3.31%	4.69%	6.88%	7.07%	6.92%	5.54%	68%	Invest
Nippon India Liquid Fund -Growth Plan	30964.83	21 years	0.1%	0.46%	1.4%	3.28%	4.63%	6.86%	7.07%	6.95%	5.57%	6.19%	Invest
Mirae Asset Liquid Fund - Growth	13633.83	16 years	0.1%	0.46%	1.41%	3.27%	4.63%	6.86%	7.09%	6.97%	5.62%	6.1%	Invest
ICICI Prudential Liquid Fund - Growth	49438.50	19 years	0.1%	0.46%	1.41%	3.27%	4.63%	6.85%	7.09%	6.96%	5.58%	6.18%	Invest
HDFC Liquid Fund - Growth Plan	63201.14	24 years	0.1%	0.46%	1.41%	3.28%	4.63%	6.85%	7.07%	6.95%	5.56%	6.12%	Invest
Mahindra Manulife Liquid Fund - Regular Plan - Growth	1207.10	9 years	0.1%	0.48%	1.45%	3.29%	4.66%	6.85%	7.09%	7%	5.64%	-	Invest
Sundaram Liquid Fund (G)	7150.26	21 years	0.1%	0.46%	1.39%	3.22%	4.58%	6.8%	7.04%	6.94%	5.56%	5.15%	Invest
LIC MF Liquid Fund-Regular Plan-Growth	12211.17	23 years	0.1%	0.46%	1.39%	3.23%	4.57%	6.8%	7.07%	6.94%	5.57%	6.15%	Invest
Bajaj Finserv Liquid Fund Regular - Growth	5095.54	2 years	0.1%	0.46%	1.39%	3.22%	4.57%	6.79%	7.03%	-	-	-	Invest
Baroda BNP Paribas LIQUID FUND - Regular Plan - GROWTH OPTION	10107.81	16 years	0.1%	0.46%	1.39%	3.23%	4.57%	6.79%	7.02%	6.95%	5.61%	6.21%	Invest
BANDHAN LIQUID Fund - Regular Plan - Growth	13676.98	17 years	0.1%	0.45%	1.39%	3.22%	4.57%	6.79%	7.03%	6.92%	5.57%	6.11%	Invest
SBI Liquid Fund - Institutional - Growth	63824.39	21 years	0.1%	0.46%	1.39%	3.24%	4.59%	6.78%	7.02%	6.91%	5.56%	6.13%	Invest
Jm Liquid Fund - Super Institutional Plan - Growth Option	3220.67	21 years	0.1%	0.46%	1.39%	3.23%	4.59%	6.78%	7.01%	6.9%	5.56%	6.16%	Invest
Jm Liquid Fund - Bonus Option - Principal Units	2939.39	-	0.1%	0.46%	1.39%	3.23%	4.58%	6.78%	7.01%	6.9%	5.57%	6.17%	Invest
SBI Liquid Fund - Regular Plan -Growth	63824.39	18 years	0.1%	0.46%	1.39%	3.24%	4.59%	6.78%	7.02%	6.91%	5.56%	6.12%	Invest
WhiteOak Capital Liquid Fund- Regular plan-Growth Option	577.86	6 years	0.1%	0.46%	1.39%	3.22%	4.57%	6.77%	6.99%	6.84%	5.38%	-	Invest
ITI Liquid Fund Regular - Growth	59.00	6 years	0.1%	0.45%	1.48%	3.26%	4.59%	6.71%	6.81%	6.67%	5.33%	-	Invest
Quant Liquid Fund-Growth	1546.69	19 years	0.1%	0.45%	1.41%	3.13%	4.52%	6.7%	6.82%	6.7%	5.67%	6.33%	Invest
360 ONE Liquid Fund Regular-Growth	910.29	11 years	0.1%	0.46%	1.37%	3.15%	4.5%	6.68%	6.93%	6.83%	5.42%	5.8%	Invest
Parag Parikh Liquid Fund Regular - Growth	4024.38	7 years	0.1%	0.46%	1.39%	3.15%	4.45%	6.54%	6.73%	6.59%	5.3%	-	Invest
Motilal Oswal Liquid Fund - Regular Growth	1246.18	6 years	0.12%	0.44%	1.35%	3.04%	4.31%	6.36%	6.62%	6.5%	5.18%	-	Invest
Franklin India Liquid Fund - Regular Plan - Growth	3139.68	27 years	0.09%	0.41%	1.27%	3%	4.22%	6.25%	6.44%	6.3%	4.92%	5.56%	Invest
JIOBLACKROCK LIQUID FUND DIRECT PLAN GROWTH		2 months	-	-	-	-	-	-	-	-	-	-	Invest

Fund Name	AUM (Cr.)	Risk	1W	1M	3M	6M	YTD	1Y	2Y	3Y	5Y	10Y

Fund Name	Sep-2025	Aug-2025	Jul-2025	Jun-2025	May-2025	Apr-2025	Mar-2025	Feb-2025	Jan-2025	Dec-2024	Nov-2024	Oct-2024

Fund Name	2025-Q3	2025-Q2	2025-Q1	2024-Q4	2024-Q3	2024-Q2	2024-Q1	2023-Q4	2023-Q3	2023-Q2	2023-Q1	2022-Q4

Fund Name	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013

Fund Name	AUM (Cr.)	Risk	1W	1M	3M	6M	YTD	1Y	2Y	3Y	5Y	10Y

Fund Name	AUM (Cr.)	Initial NAV	Final NAV	NAV Change	Absolute Ret.	Annalized Ret.

Fund Name	AUM (Cr.)	Risk	6M	1Y	2Y	3Y	5Y	10Y	From Launch
Kotak Liquid Regular Plan Growth	40674.68	Moderate	-	0.33%	2.82%	3.97%	4.48%	4.92%	36.43%	Invest
Franklin India Liquid Fund - Super Institutional Plan - Growth	3139.68	Low to Moderate	1.46%	6.57%	6.95%	7.03%	6.49%	6.03%	6.89%	Invest
Franklin India Liquid Fund - Super Institutional Plan - Growth	3139.68	Low to Moderate	1.46%	6.57%	6.95%	7.03%	6.49%	6.03%	6.89%	Invest
Axis Liquid Fund - Regular Plan - Growth Option	37122.11	Low to Moderate	1.45%	6.53%	6.92%	7.02%	6.5%	6.02%	6.63%	Invest
Groww Liquid Fund - Existing Plan - Growth	302.82	Low to Moderate	1.45%	6.54%	6.91%	6.97%	6.38%	5.86%	6.28%	Invest
Bank Of India Liquid Fundregular Plan - Growth	1824.27	Low to Moderate	1.48%	6.59%	6.97%	7.07%	6.54%	6%	6.52%	Invest
PGIM India Liquid Fund - Growth	544.58	Low to Moderate	1.44%	6.51%	6.88%	6.98%	6.45%	5.98%	19.21%	Invest
DSP Liquidity Fund - Regular Plan - Growth	22725.56	Low to Moderate	1.45%	6.49%	6.89%	6.99%	6.46%	5.96%	6.73%	Invest
Tata Liquid Fund -Regular Plan - Growth Option	24038.47	Low to Moderate	1.45%	6.5%	6.88%	6.97%	6.44%	5.96%	38.53%	Invest
Canara Robeco Liquid Fund - Regular Plan - Growth Option	7133.48	Low to Moderate	1.47%	6.56%	6.93%	7.02%	6.5%	5.91%	39.56%	Invest
Invesco India Liquid Fund - Growth	14542.78	Low to Moderate	1.44%	6.49%	6.89%	6.99%	6.46%	5.96%	38.18%	Invest
UTI Liquid Fund - Regular Plan - Growth Option	25036.71	Low to Moderate	1.46%	6.53%	6.9%	7%	6.47%	5.99%	22.26%	Invest
Aditya Birla Sun Life Liquid Fund-Institutional (Growth)	49720.60	Moderate	1.44%	6.49%	6.88%	6.99%	6.47%	6%	19.82%	Invest
Aditya Birla Sun Life Liquid Fund - Growth	49720.60	Moderate	1.44%	6.49%	6.88%	6.99%	6.47%	6%	20.22%	Invest
Aditya Birla Sun Life Liquid Fund-Retail (Growth)	49720.60	Moderate	1.44%	6.49%	6.88%	6.99%	6.47%	6%	17.83%	Invest
HSBC Liquid Fund - Regular Growth	15152.45	Low to Moderate	1.44%	6.48%	6.87%	6.98%	6.46%	5.96%	34.76%	Invest
Edelweiss Liquid Fund - Regular Plan - Growth Option	10217.51	Low to Moderate	1.49%	6.57%	6.92%	6.98%	6.42%	66.06%	45.88%	Invest
Nippon India Liquid Fund -Growth Plan	30964.83	Low to Moderate	1.44%	6.47%	6.85%	6.96%	6.43%	5.97%	36.65%	Invest
Mirae Asset Liquid Fund - Growth	13633.83	Low to Moderate	1.44%	6.47%	6.87%	6.97%	6.46%	5.96%	6.38%	Invest
ICICI Prudential Liquid Fund - Growth	49438.50	Low to Moderate	1.44%	6.46%	6.86%	6.97%	6.44%	5.96%	18.32%	Invest
HDFC Liquid Fund - Growth Plan	63201.14	Low to Moderate	1.43%	6.46%	6.85%	6.95%	6.43%	5.91%	33.93%	Invest
Mahindra Manulife Liquid Fund - Regular Plan - Growth	1207.10	Moderate	1.47%	6.52%	6.9%	7%	6.49%	-	5.99%	Invest
Sundaram Liquid Fund (G)	7150.26	Low to Moderate	1.42%	6.39%	6.81%	6.92%	6.41%	5.26%	32.84%	Invest
LIC MF Liquid Fund-Regular Plan-Growth	12211.17	Low to Moderate	1.42%	6.39%	6.83%	6.94%	6.42%	5.94%	34.88%	Invest
Bajaj Finserv Liquid Fund Regular - Growth	5095.54	Low to Moderate	1.42%	6.37%	6.79%	-	-	-	6.84%	Invest
Baroda BNP Paribas LIQUID FUND - Regular Plan - GROWTH OPTION	10107.81	Low to Moderate	1.42%	6.37%	6.79%	6.91%	6.43%	5.97%	37.17%	Invest
BANDHAN LIQUID Fund - Regular Plan - Growth	13676.98	Low to Moderate	1.42%	6.38%	6.79%	6.91%	6.41%	5.9%	40.01%	Invest
SBI Liquid Fund - Institutional - Growth	63824.39	Low to Moderate	1.43%	6.4%	6.79%	6.9%	6.39%	5.92%	36.16%	Invest
Jm Liquid Fund - Super Institutional Plan - Growth Option	3220.67	Low to Moderate	1.43%	6.4%	6.78%	6.9%	6.4%	5.92%	6.56%	Invest
Jm Liquid Fund - Bonus Option - Principal Units	2939.39	Low to Moderate	1.43%	6.39%	6.77%	6.89%	6.4%	5.93%	6.55%	Invest
SBI Liquid Fund - Regular Plan -Growth	63824.39	Low to Moderate	1.43%	6.4%	6.79%	6.9%	6.39%	5.92%	39.67%	Invest
WhiteOak Capital Liquid Fund- Regular plan-Growth Option	577.86	Low to Moderate	1.41%	6.35%	6.76%	6.86%	6.29%	-	5.8%	Invest
ITI Liquid Fund Regular - Growth	59.00	Low to Moderate	1.49%	6.47%	6.7%	6.74%	6.2%	-	5.75%	Invest
Quant Liquid Fund-Growth	1546.69	Moderate	1.43%	6.32%	6.67%	6.74%	6.29%	6.04%	7.12%	Invest
360 ONE Liquid Fund Regular-Growth	910.29	Low to Moderate	1.4%	6.27%	6.69%	6.81%	6.3%	5.67%	5.78%	Invest
Parag Parikh Liquid Fund Regular - Growth	4024.38	Low to Moderate	1.43%	6.24%	6.56%	6.64%	6.12%	-	5.59%	Invest
Motilal Oswal Liquid Fund - Regular Growth	1246.18	Low to Moderate	1.37%	6.03%	6.41%	6.51%	6.01%	-	5.53%	Invest
Franklin India Liquid Fund - Regular Plan - Growth	3139.68	Low to Moderate	1.29%	5.88%	6.24%	6.32%	5.79%	5.33%	6.39%	Invest
JIOBLACKROCK LIQUID FUND DIRECT PLAN GROWTH		Average	-	-	-	-	-	-	-	Invest

Fund Name	Risk	Standard Deviation	Alpha	Beta	Sharpe Ratio
Kotak Liquid Regular Plan Growth	Moderate	0.19%	-	1.59%	1.50%	Invest
Franklin India Liquid Fund - Super Institutional Plan - Growth	Low to Moderate	0.47%	2.05%	0.95%	0.3%	Invest
Franklin India Liquid Fund - Super Institutional Plan - Growth	Low to Moderate	0.47%	2.05%	0.95%	0.3%	Invest
Axis Liquid Fund - Regular Plan - Growth Option	Low to Moderate	0.49%	2.15%	0.98%	0.4%	Invest
Groww Liquid Fund - Existing Plan - Growth	Low to Moderate	0.18%	-	1.34%	1.22%	Invest
Bank Of India Liquid Fundregular Plan - Growth	Low to Moderate	0.48%	2.15%	0.97%	0.42%	Invest
PGIM India Liquid Fund - Growth	Low to Moderate	0.18%	-	1.38%	1.97%	Invest
DSP Liquidity Fund - Regular Plan - Growth	Low to Moderate	0.48%	2.06%	0.96%	0.27%	Invest
Tata Liquid Fund -Regular Plan - Growth Option	Low to Moderate	0.18%	-	1.50%	1.76%	Invest
Canara Robeco Liquid Fund - Regular Plan - Growth Option	Low to Moderate	0.49%	2.11%	0.97%	0.33%	Invest
Invesco India Liquid Fund - Growth	Low to Moderate	0.48%	2.09%	0.97%	0.3%	Invest
UTI Liquid Fund - Regular Plan - Growth Option	Low to Moderate	0.48%	2.11%	0.97%	0.32%	Invest
Aditya Birla Sun Life Liquid Fund-Institutional (Growth)	Moderate	0.49%	2.15%	0.99%	0.33%	Invest
Aditya Birla Sun Life Liquid Fund - Growth	Moderate	0.49%	2.15%	0.99%	0.33%	Invest
Aditya Birla Sun Life Liquid Fund-Retail (Growth)	Moderate	0.49%	2.15%	0.99%	0.33%	Invest
HSBC Liquid Fund - Regular Growth	Low to Moderate	0.18%	-	1.41%	2.04%	Invest
Edelweiss Liquid Fund - Regular Plan - Growth Option	Low to Moderate	0.17%	-	1.53%	1.49%	Invest
Nippon India Liquid Fund -Growth Plan	Low to Moderate	0.49%	2.1%	1%	0.22%	Invest
Mirae Asset Liquid Fund - Growth	Low to Moderate	0.18%	-	1.38%	2.01%	Invest
ICICI Prudential Liquid Fund - Growth	Low to Moderate	0.19%	-	1.53%	1.79%	Invest
HDFC Liquid Fund - Growth Plan	Low to Moderate	0.18%	-	1.60%	1.65%	Invest
Mahindra Manulife Liquid Fund - Regular Plan - Growth	Moderate	0.17%	-	1.23%	2.38%	Invest
Sundaram Liquid Fund (G)	Low to Moderate	0.18%	-	1.37%	1.72%	Invest
LIC MF Liquid Fund-Regular Plan-Growth	Low to Moderate	0.18%	-	1.42%	1.74%	Invest
Bajaj Finserv Liquid Fund Regular - Growth	Low to Moderate	-	-	-	-	Invest
Baroda BNP Paribas LIQUID FUND - Regular Plan - GROWTH OPTION	Low to Moderate	0.47%	2.07%	0.95%	0.36%	Invest
BANDHAN LIQUID Fund - Regular Plan - Growth	Low to Moderate	0.18%	-	1.42%	1.64%	Invest
SBI Liquid Fund - Institutional - Growth	Low to Moderate	0.18%	-	1.49%	1.48%	Invest
Jm Liquid Fund - Super Institutional Plan - Growth Option	Low to Moderate	0.343%	-	0.929%	0.295%	Invest
Jm Liquid Fund - Bonus Option - Principal Units	Low to Moderate	0.34%	-	0.916%	0.397%	Invest
SBI Liquid Fund - Regular Plan -Growth	Low to Moderate	0.48%	2.06%	0.97%	0.22%	Invest
WhiteOak Capital Liquid Fund- Regular plan-Growth Option	Low to Moderate	0.19%	-	1.51%	0.82%	Invest
ITI Liquid Fund Regular - Growth	Low to Moderate	0.14%	-	0.88%	-	Invest
Quant Liquid Fund-Growth	Moderate	0.327%	-	0.944%	-	Invest
360 ONE Liquid Fund Regular-Growth	Low to Moderate	0.17%	-	1.14%	0.96%	Invest
Parag Parikh Liquid Fund Regular - Growth	Low to Moderate	0.16%	-	1.11%	-	Invest
Motilal Oswal Liquid Fund - Regular Growth	Low to Moderate	0.18%	-	1.28%	-	Invest
Franklin India Liquid Fund - Regular Plan - Growth	Low to Moderate	0.47%	1.38%	0.95%	-	Invest
JIOBLACKROCK LIQUID FUND DIRECT PLAN GROWTH	Average	-	-	-	-	Invest

Fund Name	Min SIP	Min Lumpsum	Expense Ratio	Fund Manager	Launch Date
Kotak Liquid Regular Plan Growth	₹100	₹100	0.31%	Deepak Agrawal	04-Nov 2003	Invest
Franklin India Liquid Fund - Super Institutional Plan - Growth	₹500	₹10000	0.2%	Pallab Roy	02-Sep 2005	Invest
Franklin India Liquid Fund - Super Institutional Plan - Growth	₹500	₹10000	0.2%	Pallab Roy	02-Sep 2005	Invest
Axis Liquid Fund - Regular Plan - Growth Option	₹1000	₹100	0.19%	Devang Shah	09-Oct 2009	Invest
Groww Liquid Fund - Existing Plan - Growth	₹500	₹500	0.2%	Kaustubh Sule	25-Oct 2011	Invest
Bank Of India Liquid Fundregular Plan - Growth	₹1000	₹5000	0.13%	Mithraem Bharucha	16-Jul 2008	Invest
PGIM India Liquid Fund - Growth	₹1000	₹5000	0.22%	Puneet Pal	04-Sep 2007	Invest
DSP Liquidity Fund - Regular Plan - Growth	₹100	₹100	0.19%	Kedar Karnik	23-Nov 2005	Invest
Tata Liquid Fund -Regular Plan - Growth Option	₹500	₹5000	0.32%	Amit Somani	01-Sep 2004	Invest
Canara Robeco Liquid Fund - Regular Plan - Growth Option	₹1000	₹5000	0.19%	Avnish Jain	15-Jul 2008	Invest
Invesco India Liquid Fund - Growth	₹500	₹1000	0.22%	Krishna Venkat Cheemalapati	17-Nov 2006	Invest
UTI Liquid Fund - Regular Plan - Growth Option	₹2500	₹500	0.24%	Amit Sharma	10-Dec 2003	Invest
Aditya Birla Sun Life Liquid Fund-Institutional (Growth)	₹1000	₹500	0.34%	Sunaina da Cunha	15-Apr 2003	Invest
Aditya Birla Sun Life Liquid Fund - Growth	₹500	₹500	0.34%	Sunaina da Cunha	31-Mar 2004	Invest
Aditya Birla Sun Life Liquid Fund-Retail (Growth)	₹1000	₹500	0.34%	Sunaina da Cunha	13-Jun 1997	Invest
HSBC Liquid Fund - Regular Growth	₹1000	₹5000	0.22%	Shriram Ramanathan	01-Jun 2004	Invest
Edelweiss Liquid Fund - Regular Plan - Growth Option	₹100	₹100	0.2%	Rahul Dedhia	21-Sep 2007	Invest
Nippon India Liquid Fund -Growth Plan	₹100	₹1000	0.33%	Anju Chhajer	09-Dec 2003	Invest
Mirae Asset Liquid Fund - Growth	₹1000	₹5000	0.2%	Abhishek Iyer	13-Jan 2009	Invest
ICICI Prudential Liquid Fund - Growth	₹99	₹99	0.3%	Rohan Maru	17-Nov 2005	Invest
HDFC Liquid Fund - Growth Plan	₹1000	₹100	0.28%	Anupam Joshi	17-Oct 2000	Invest
Mahindra Manulife Liquid Fund - Regular Plan - Growth	₹500	₹1000	0.26%	Rahul Pal	05-Jul 2016	Invest
Sundaram Liquid Fund (G)	₹1000	₹1000	0.4%	Dwijendra Srivastava	30-Aug 2004	Invest
LIC MF Liquid Fund-Regular Plan-Growth	₹1000	₹5000	0.3%	Rahul Singh	13-Mar 2002	Invest
Bajaj Finserv Liquid Fund Regular - Growth	₹1000	₹100	0.27%	Nimesh Chandan	05-Jul 2023	Invest
Baroda BNP Paribas LIQUID FUND - Regular Plan - GROWTH OPTION	₹500	₹5000	0.31%	Mayank Prakash	05-Feb 2009	Invest
BANDHAN LIQUID Fund - Regular Plan - Growth	₹100	₹100	0.25%	Harshal Joshi	04-Jun 2008	Invest
SBI Liquid Fund - Institutional - Growth	₹500	₹500	0.3%	Rajeev Radhakrishnan	24-Nov 2003	Invest
Jm Liquid Fund - Super Institutional Plan - Growth Option	₹500	₹1000	0.26%	Gurvinder Singh Wasan	19-May 2004	Invest
Jm Liquid Fund - Bonus Option - Principal Units	₹500	₹1000	0.26%	Gurvinder Singh Wasan	31-Dec 1997	Invest
SBI Liquid Fund - Regular Plan -Growth	₹500	₹500	0.31%	Rajeev Radhakrishnan	22-Mar 2007	Invest
WhiteOak Capital Liquid Fund- Regular plan-Growth Option	₹500	₹500	0.29%	Piyush Baranwal	16-Jan 2019	Invest
ITI Liquid Fund Regular - Growth	₹500	₹5000	0.25%	Vikrant Mehta	24-Apr 2019	Invest
Quant Liquid Fund-Growth	₹1000	₹5000	0.52%	Sanjeev Sharma	05-Oct 2005	Invest
360 ONE Liquid Fund Regular-Growth	₹1000	₹5000	0.25%	Milan Mody	13-Nov 2013	Invest
Parag Parikh Liquid Fund Regular - Growth	₹1000	₹5000	0.27%	Raj Mehta	11-May 2018	Invest
Motilal Oswal Liquid Fund - Regular Growth	₹500	₹500	0.37%	Rakesh Shetty	21-Dec 2018	Invest
Franklin India Liquid Fund - Regular Plan - Growth	₹500	₹10000	0.86%	Pallab Roy	29-Apr 1998	Invest
JIOBLACKROCK LIQUID FUND DIRECT PLAN GROWTH	₹0	₹500	%		07-Jul 2025	Invest

Fund Name	Current NAV	Previous NAV	1D NAV Change	52- Week High NAV	52- Week Low NAV
Kotak Liquid Regular Plan Growth	5337.5014 (12-09-2025)	5336.7979 (11-09-2025)	0.01%	5059.59	4998.88	Invest
Franklin India Liquid Fund - Super Institutional Plan - Growth	3975.7873 (12-09-2025)	3975.2284 (11-09-2025)	0.01%	3975.79	3720.01	Invest
Franklin India Liquid Fund - Super Institutional Plan - Growth	3975.7873 (12-09-2025)	3975.2284 (11-09-2025)	0.01%	3975.79	3720.01	Invest
Axis Liquid Fund - Regular Plan - Growth Option	2940.4581 (12-09-2025)	2940.0744 (11-09-2025)	0.01%	2940.46	2752.01	Invest
Groww Liquid Fund - Existing Plan - Growth	2554.1107 (12-09-2025)	2553.7102 (11-09-2025)	0.02%	2554.11	2390.36	Invest
Bank Of India Liquid Fundregular Plan - Growth	3042.3318 (14-09-2025)	3040.9537 (11-09-2025)	0.05%	3042.33	2846.15	Invest
PGIM India Liquid Fund - Growth	343.7939 (12-09-2025)	343.7419 (11-09-2025)	0.02%	343.794	321.825	Invest
DSP Liquidity Fund - Regular Plan - Growth	3770.1689 (12-09-2025)	3769.6308 (11-09-2025)	0.01%	3770.17	3529.67	Invest
Tata Liquid Fund -Regular Plan - Growth Option	4159.3228 (12-09-2025)	4158.7574 (11-09-2025)	0.01%	4159.32	3893.96	Invest
Canara Robeco Liquid Fund - Regular Plan - Growth Option	3179.5561 (14-09-2025)	3178.1108 (11-09-2025)	0.05%	3179.56	2975.6	Invest
Invesco India Liquid Fund - Growth	3629.6403 (12-09-2025)	3629.115 (11-09-2025)	0.01%	3629.64	3398.2	Invest
UTI Liquid Fund - Regular Plan - Growth Option	4333.0243 (13-09-2025)	4331.7521 (11-09-2025)	0.03%	4333.02	4056.22	Invest
Aditya Birla Sun Life Liquid Fund-Institutional (Growth)	708.6264 (12-09-2025)	708.5343 (11-09-2025)	0.01%	708.626	663.521	Invest
Aditya Birla Sun Life Liquid Fund - Growth	425.5194 (12-09-2025)	425.464 (11-09-2025)	0.01%	425.519	398.434	Invest
Aditya Birla Sun Life Liquid Fund-Retail (Growth)	690.5298 (12-09-2025)	690.44 (11-09-2025)	0.01%	690.53	646.576	Invest
HSBC Liquid Fund - Regular Growth	2632.8554 (12-09-2025)	2632.5136 (11-09-2025)	0.01%	2632.86	2465.29	Invest
Edelweiss Liquid Fund - Regular Plan - Growth Option	3378.2029 (14-09-2025)	3376.6691 (11-09-2025)	0.05%	3378.2	3161.79	Invest
Nippon India Liquid Fund -Growth Plan	6444.4882 (12-09-2025)	6443.6107 (11-09-2025)	0.01%	6444.49	6035.56	Invest
Mirae Asset Liquid Fund - Growth	2769.1309 (12-09-2025)	2768.7547 (11-09-2025)	0.01%	2769.13	2593.22	Invest
ICICI Prudential Liquid Fund - Growth	390.9186 (12-09-2025)	390.8637 (11-09-2025)	0.01%	390.919	366.122	Invest
HDFC Liquid Fund - Growth Plan	5180.9846 (12-09-2025)	5180.2692 (11-09-2025)	0.01%	5180.98	4852.55	Invest
Mahindra Manulife Liquid Fund - Regular Plan - Growth	1718.9381 (14-09-2025)	1718.1623 (11-09-2025)	0.05%	1718.94	1609.29	Invest
Sundaram Liquid Fund (G)	2328.7871 (12-09-2025)	2328.4701 (11-09-2025)	0.01%	2328.79	2182.14	Invest
LIC MF Liquid Fund-Regular Plan-Growth	4773.1497 (12-09-2025)	4772.4651 (11-09-2025)	0.01%	4773.15	4472.57	Invest
Bajaj Finserv Liquid Fund Regular - Growth	1159.9064 (12-09-2025)	1159.7396 (11-09-2025)	0.01%	1159.91	1087.02	Invest
Baroda BNP Paribas LIQUID FUND - Regular Plan - GROWTH OPTION	3035.6266 (12-09-2025)	3035.2037 (11-09-2025)	0.01%	3035.63	2844.76	Invest
BANDHAN LIQUID Fund - Regular Plan - Growth	3189.1444 (12-09-2025)	3188.6966 (11-09-2025)	0.01%	3189.14	2988.71	Invest
SBI Liquid Fund - Institutional - Growth	4166.1808 (12-09-2025)	4165.6248 (11-09-2025)	0.01%	4166.18	3904.61	Invest
Jm Liquid Fund - Super Institutional Plan - Growth Option	41.4173 (12-09-2025)	41.4115 (11-09-2025)	0.01%	41.4173	38.815	Invest
Jm Liquid Fund - Bonus Option - Principal Units	23.0683 (12-09-2025)	23.0651 (11-09-2025)	0.01%	23.0683	21.62	Invest
SBI Liquid Fund - Regular Plan -Growth	4127.1529 (12-09-2025)	4126.6020 (11-09-2025)	0.01%	4127.15	3868.03	Invest
WhiteOak Capital Liquid Fund- Regular plan-Growth Option	1420.1177 (12-09-2025)	1419.9118 (11-09-2025)	0.01%	1420.12	1331.08	Invest
ITI Liquid Fund Regular - Growth	1376.3071 (14-09-2025)	1375.6967 (11-09-2025)	0.04%	1376.31	1290.3	Invest
Quant Liquid Fund-Growth	41.7592 (14-09-2025)	41.7412 (11-09-2025)	0.04%	41.7592	39.1581	Invest
360 ONE Liquid Fund Regular-Growth	2032.5888 (12-09-2025)	2032.3296 (11-09-2025)	0.01%	2032.59	1906.71	Invest
Parag Parikh Liquid Fund Regular - Growth	1464.9831 (13-09-2025)	1464.5819 (11-09-2025)	0.03%	1464.98	1375.74	Invest
Motilal Oswal Liquid Fund - Regular Growth	13.9503 (14-09-2025)	13.9446 (11-09-2025)	0.04%	13.9503	13.1231	Invest
Franklin India Liquid Fund - Regular Plan - Growth	5972.0942 (12-09-2025)	5971.3623 (11-09-2025)	0.01%	5972.09	5624.73	Invest
JIOBLACKROCK LIQUID FUND DIRECT PLAN GROWTH	1000.00 ()	()	0%	-	-	Invest

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Invested Amount ₹43,855
Interest Earned ₹6,145

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Axis Liquid Fund - Regular Plan - Growth Option 3Y Returns 7.03% VS

Invesco India Liquid Fund - Bonus Option 3Y Returns 6.41%

Quant Liquid Fund-Growth 3Y Returns 6.7% VS

Canara Robeco Liquid Fund - Regular Plan - Growth Option 3Y Returns 7.02%

Nippon India Liquid Fund -Growth Plan 3Y Returns 6.95% VS

Canara Robeco Liquid Fund - Regular Plan - Growth Option 3Y Returns 7.02%

Mirae Asset Liquid Fund - Growth 3Y Returns 6.97% VS

Canara Robeco Liquid Fund - Regular Plan - Growth Option 3Y Returns 7.02%

How Liquid Mutual Funds Work?How to Invest in Liquid Mutual Funds with MySIPOnline Where Do Liquid Mutual Funds Invest?Advantages of Investing in Liquid Mutual Funds Best Liquid Mutual Funds to Invest in 2025 Who Should Invest in Liquid Mutual Funds Taxation on Liquid Mutual Funds

How Liquid Mutual Funds Work?

Here is the process that displays the working of liquid funds:

Fund managers collect money from various investors and invest in diverse short-term securities (with up to 91 days' maturity). These investments are actively monitored and adjusted by the fund managers to maintain liquidity and optimisation. The accrual (interest income) received from these debt instruments is used to generate the returns for the fund. The Net Asset Value (NAV) of the liquid fund is calculated every day with the goal of capital preservation and stable growth. To redeem investments, investors can request the fund house; the request is processed chiefly on a T+1 basis (One business day).

How to Invest in Liquid Mutual Funds with MySIPOnline

Here is the step-by-step guide for you to make your first investment in liquid funds with MySIPOnline:

Step 1: Visit the MySIPOnline website, register there, complete the KYC process and provide the essential financial information.

Step 2: Do thorough research to find a fund for investments, select the best one by reviewing its past performance, expense ratio, fund size and other details.

Step 3: To invest in the selected fund, choose an investment type (SIP or lump sum), enter your amount, select the payment method and confirm the transaction.

Where Do Liquid Mutual Funds Invest?

The Liquid Mutual Funds generally invest in the following debt instruments:

Treasury Bills (T-Bills)
These are short-term investment instruments issued by the government that have virtually no credit risk and are very safe.

Certificates of Deposit (CDs)
Generally considered safe, the bank and financial institutions issue these time deposits for a particular period of time.

Commercial Papers (CPs)
Highly rated corporations issue these for their short-term liabilities. They are considered very secure but contain more risk than T-Bills.

Tri-Party Repos (TREPs)
These are the types of repurchase agreements that are highly safe and liquid instruments that keep a third party as a mediator.

Government Securities (G-Secs)
The central or state governments issue these debt instruments. According to SEBI, liquid funds must invest 20% (minimum)of assets in G-Secs.

Advantages of Investing in Liquid Mutual Funds

Here are the key benefits of investing in liquid mutual funds through MySIPOnline:

Better returns compared to the regular savings accounts.
Easy redemption of units within 24 hours, ideal for emergencies.
Redemption is allowed without any additional cost or exit loads.
MySIPOnline is a user-friendly online platform for convenient investment.
Invest without worrying about extra fees or hidden charges.
Access to professional guidance and tailored liquid mutual fund options.
Liquid funds are comparatively less risky, making them a safe option.
With MySIPOnline, you can review your investment anytime with live updates and performance tracking.

Best Liquid Mutual Funds to Invest in 2025

Mentioned below are the top 5 liquid mutual funds in India to invest in 2025:

Fund Name	NAV	AUM (Crore)	Risk Level	5Y Trailing Returns	Expense Ratio
Aditya Birla Sun Life Liquid Fund	Rs 430.11	Rs 51,913	Moderate	5.73%	0.21%
Edelweiss Liquid Fund	Rs 3,441.95	Rs 8,323	Low to Moderate	5.74%	0.05%
Mahindra Manulife Liquid Fund	Rs 1,734.66	Rs 1,011	Moderate	5.74%	0.15%
Axis Liquid Fund	Rs 2,961.78	Rs 36,757	Low to Moderate	5.71%	0.15%
PGIM India Liquid Fund	Rs 347.47	Rs 513	Low to Moderate	5.71%	0.12%

*As on 30-08-2025

Who Should Invest in Liquid Mutual Funds

Let us determine the alignment of liquid funds with your specific goals:

Short-term Goals: Liquid funds are suitable for investors who want to store their money for a short period(a few days or months) while waiting for the right market opportunity.

Individuals or Businesses With Surplus Cash:Suitable for investors who are looking for better returns than savings accounts, with easy and quick access to their funds.

Emergency Fund Builders:These funds allow instant redemptions (as early as the next day) and are therefore highly suitable for urgent situations.

Conservative Investors:Suitable for investors seeking safety, liquidity and low risk, as they invest in liquid funds in high-quality, short-term debt securities.

Investors Transitioning to Equity Funds:Really suitable for investors who want to use liquid funds for STP (Systematic Transfer Plan) and want to shift money into riskier asset classes gradually.

Corporations, Trusts or Institutions:Highly suitable for corporations that want to gain higher returns from their idle funds while efficiently managing them without locking them in.

Taxation on Liquid Mutual Funds

Liquid Mutual Funds in India are taxed according to their purchase date. The funds bought before and after a particular date are taxed differently. The details are:

Taxation on Units Purchased Before April 1, 2023

The tax on units purchased before this date is based on the holding period. The units held for less than 24 months (STCG) are taxed according to your tax slabs, and the units held for more than 24 months (LTCG) are taxed at a rate of 12.5% without indexation benefits.

Taxation on Units Purchased On or After April 1, 2023

After this date, any earnings from liquid funds are considered as STCG (Short-term Capital Gains), no matter how long the funds are held. These gains are added to your total income and taxed according to your tax slab rates. The indexation benefit is not applicable now, which helped reduce taxable gains by adjusting the purchase price for inflation.

Taxation of Dividends

The income from dividends is added to your total income and is taxed based on the tax slab rates. A 10% of TDS (Tax Deducted at Source) is applied on dividends of more than Rs 5,000 in a financial year. During ITR (Income Tax Return) filing, this TDS can be claimed as a tax credit.