Liquid Funds

The Best Way to Save Surplus - Liquid Mutual Funds 

Liquid Mutual Funds are a category of mutual funds that invest your surplus money or any irregular income in very short-term market instruments such as government securities, treasury bills, and call money that hold least amount of investment risk. Typically, Best Liquid Funds in India come up with a maturity period of up to 91 days, but some of them are much lower than that. Liquid Mutual Funds come under the category of debt mutual funds which are already well known for their suitability with the conservative investors. Moreover, the risk factor is minimal in liquid funds in the entire category of mutual fund schemes, though risk is not completely absent. Know more details about liquid mutual funds returns, NAV, performance etc.

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  • Snapshot
  • Information
  • Performance
  • Tenure
  • 1Y
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Fund Name Latest NAV (₹) Rating Return (%) Double Money In 1 Lac Grew To (₹)  
Axis Liquid Fund (G)
Moderate Low risk | Liquid
2085.18
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7.16 9Y 5M 1.23 L Invest
2815.97
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7.35 8Y 11M -- Invest
4583.99
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7.15 9Y 5M 1.23 L Invest
301.92
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7.13 9Y 5M 1.23 L Invest
Baroda Pioneer Liquid Fund (G)
risk | Liquid
2159.63
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7.16 9Y 4M 1.23 L Invest
DHFL Pramerica Insta Cash Fund - Growth
Moderate risk | Liquid
244.39
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7.16 10Y 1M 1.23 L Invest
Invesco India Liquid Fund (G)
Moderate risk | Liquid
2586.38
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7.13 9Y 5M 1.23 L Invest
L&T Liquid Fund (G)
Moderate risk | Liquid
2578.27
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7.13 9Y 5M 1.23 L Invest
DHFL Pramerica Insta Cash Fund - Regular Plan - Growth
Moderate risk | Liquid
27.34
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4.95 14Y 5M 1.16 L Invest
Tata Money Market Fund (G)
Moderate Low risk | Liquid
3241.5
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4.72 11Y 5M 1.18 L Invest

Frequently Asked Questions
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  • If in case you apply for redemption before 3 P.M., then you will receive the amount generated by your mutual fund in the next morning. Moreover, according to the SEBI guidelines, it is mandatory for the AMC to provide quick redemption of up to Rs. 50,000.
  • Being a low risky fund, liquid funds are suitable for the investors who are not willing to take much risk in the mutual fund market but at the same time want to generate stable returns.
  • The STCG tax is applied on liquid funds if the investor sell the units before 3 years. The tax will be added to the income of investor and taxed according to the income tax slab. After 3 years, the LTCG tax imposed on the capital gains is 20%.
  • Liquid Mutual Funds is a category of mutual fund that invests in market instruments having short-term maturity period. These funds diversify the assets in the instruments having maturity of up to 91 days.
  • Liquid funds provides better inflation-adjusted returns than the savings account. The interest returns provided by the savings account is around 4% whereas the liquid mutual funds are capable of providing 7% to 9% returns. Moreover, the liquid fund provides similar liquidity as the savings account.
  • The returns are not guaranteed like the Fixed Deposits. But, the average returns lies in the range of 7% to 9%. For this, you should always analyze the past performance of the fund which will give you some idea about the previous track record of the fund.
  • Liquid funds are the sub-category of debt instruments having no exit load. Moreover, the maturity period of instruments (up to 91 days) in case of liquid funds also differentiates them from other categories of debt funds.
  • Liquid Mutual Funds are low risk funds as they park the money in the debt and money market instruments.

Liquid Funds - Best Solution for Short-Term Investments

Are you still using the old mobile phone which has a keypad, for instance Nokia-1600? Of course not! Then, why are you plotting your hard-earned money in savings bank account? Instead of parking your cash into savings bank account, why not invest it where it can reap higher returns? Best Liquid Funds are such an option for investment through which you can earn healthy returns on your investments. They offer higher returns than that of what you earn from your savings account. Thus, it should be a daily dose to maintain your financial fitness.

What is Meaning of Liquid Mutual Funds?

The top Liquid Funds listed with us help you to invest in very short-term debt instruments and money market securities. They give you the access to invest in the treasury bills, call money, and certificates of deposits. You can invest in liquid mutual funds even for a day. So, grow your capital with us as the liquid funds returns lie between 6-7% per annum. Don’t adjust with low returns of savings account, prefer investing now in the best liquid funds in India.

Top 10 Liquid Funds to Invest in India

Here is the list of the best liquid mutual funds in India -

Why Invest in Liquid Mutual Funds?

Liquid Mutual Funds are the most ideal parking ground for your surplus money that you have received due to any influx of cash, maturity of investments, or other inflows. Moreover, investment in this category can also help you as an emergency fund in case of any uncertainty. Although it is true that best liquid Funds provide higher returns than savings bank deposits, but they cannot be full-fledged substitute to bank deposits. However, historically they have provided 3-4% higher returns than that of the savings bank deposits.

How to Invest in best Liquid Funds in India ?

Investing in mutual funds has now become simplified with the various online solutions. We provide the best services to the investors to start their online liquid mutual funds investment plan in a hassle-free manner. One simply needs to submit the required documents online and complete the payment process for investing in the best liquid funds schemes.

Liquid Mutual Funds Are Prefered for The Following Reasons:

There are numerous reasons for preferring the liquid funds when investing for a short period. They are:

  • Low-risk factor: Being a short-term investing option, Liquid mutual funds is quite popular because of its secure method of investment. Although, having a low liquid funds returns policy they are preferred most. There are very low or negligible fluctuations in the rate of liquid funds returns.
  • No entry and exit load: Unlike other investing options available in the indsustry, best liquid funds in india don’t have entry or exit load. This means you can enter the mutual fund at any time and exit at any time. Nor you have to pay an extra cost for purchasing the commercial papers and neither there is any deduction in your amount if you withdraw the investment before maturity. You start getting the benefits of the liquid mutual funds in mutual funds as soon as you commence your investment.
  • Easy redemption: Redeeming a liquid funds is the easiest task. No complications are involved in getting back your money. The withdrawal request of any liquid funds india is processed within 24 hours (including the time to release the cash). The only restriction that is involved here is the time limit, which says, you have to place a request for redemption before 2 p.m. So, whenever you need your money, file an application to withdraw your fund before 2 p.m. on any business day and by the next day, you will receive your money. Isn’t it easy?
  • Different plans: In liquid fund, you have a choice to put your money in various SIP according to your need. For example, daily plan, growth plan, monthly dividend plan, etc. It is simply based on the preference of the client to select any of the above options available in best liquid mutual funds in india.

Liquid Funds Vs. Fixed Deposits

  • The liquid funds investment offer superior liquidity as compared to the fixed deposits in the bank. If you withdraw your money in FDs before maturity, there are penal provisions as well.
  • The liquid funds returns in the past few years have been far impressive ranging from 7 to 8 per cent on an annualised basis. Moreover, with the growing mutual fund industry it is expected that the rise in the returns would be impeccable.
  • The instruments in which the Liquid Mutual Funds scheme invest have the maturity of maximum 91 days, and thus they are neither prone to the interest rate risk nor the market fluctuations. Accordingly, the fund provides a high degree of safety to the investor's money.

Our site brings to you a platter full of various companies offering variegated liquid funds schemes. A few top trending liquid mutual funds india are BOI AXA Liquid Funds - Institutional Plan (WD), ICICI Prudential Money Market Fund offered by ICICI Prudential Mutual Fund, Franklin India Cash Management Account (D), UTI Liquid Funds - Cash Plan (MD) offered by UTI Mutual Fund, etc. You can also choose from various other best mutual funds and calculate the return for the same using sip calculator. Moreover with our site you can add best liquid funds in your portfolio in order to prepare yourself to attain your futuristic goals.

 

Meet Our Clients
I had saved INR. 70,000 for the down payment of my car but it was delayed due to some reason. I was investing in mutual funds through My SIP online for quite some time now and so on the expert’s advice I put the amount in best liquid funds in india. I withdrew that amount after three months and got a return of almost 6-7% on my invested amount.
Mukul Dave
I sold property a few months back which gave me decent amount. I wanted to utilize that money into buying a pent house apartment. But, I knew if I kept that amount in my account I would use it up and a FD would not be a good idea either. So, on my wife’s advice I put the money into best LIQUID mutual funds and I earned a return as well as the flexibility to withdraw my money anytime.
Ronak Sharma
Liquid Mutual Funds proved to be the best mutual fund for me and have provided exceptional returns. I had a big question before starting my investment that what would I do if any sudden requirement of money arises in the near future. One of my friends, who is already investing in SIP through MySIPonline suggested me to invest in best liquid funds in india which have special benefit of no lock-in period. Now I am completely satisfied and have earned good amount of money from my investment.
Divya Singh
I do not have much potential to take risk with my money by investing in various stocks. But, I desired to earn some profits on my savings. My friend suggested me to invest in liquid mutual funds and told that they are the only perfect choice for me to start investing in mutual funds. Following all his suggestions, I invested my money in best liquid funds india through MySIPonline. I am fully satisfied now that I have started my investments with mutual funds and the investment seems to be profitable. Thanks to my friend for providing me valuable suggestions.
Abir Bhattacharya
I am investing in best liquid funds through the smart savings account of MySIPonline. It is providing an excellent way of exposing the idle money. It is simple and easy to access the account at any time to make certain checks on the current value of the investments. Moreover, it also allows instant redemption facility through which I can withdraw my money at any point of time. Thanks to MySIPonline for such great services.
Devika Singh
My dad always parks his cash in the savings account, but then I told him to invest in liquid mutual funds. I explained him all the features of a liquid funds also advised him to invest through the MySIPonline portal. He got highly impressed with my idea and invested next day only. He now just loved the way team keeps following up with him on his investments. They also assist him that how he should invest his earnings for retirement plans.
Abhijeet Tripathi
Thanks for recommending me best Liquid Funds in India. It served my true purpose of investing. I needed one to fund my education, and it has helped me fulfill my dream so easily. I am literally grateful to the team of MySIPonline. They have the best investment services available. The best part about them is that they are unbiased when it comes to making any suggestion. The support desk available here is also doing an awesome job!
Shalesh Sinha
I had never actually thought of putting my money anywhere but in either savings account or fixed deposits. But after I paid a visit to MySIPonline, my perspective about investments changed completely when I learnt that Liquid Mutual Funds are the best way to park my savings. Apart from getting better returns than what those oldies used to fetch me, I am also able to monitor every movement of my funds through MySIPonline’s dashboard.
Himanshu Verma
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