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Top 10 Best Performing Liquid Funds


Liquid Funds (Debt Scheme)

Liquid Funds are Debt Funds. The liquid funds invest primarily in debt and money market securities with a maturity of up to 91 days. Examples of such instruments can be commercial paper, treasury bills, etc.

When you keep your funds in a bank saving account, you get max 4% interest and the fund is readily available for your personal use. Liquid funds are also following a similar approach and don’t have entry and exit load. The liquid fund process faster than regular equity or debt funds. The cut-off time for a liquid fund is 3:00 PM. If you place your withdrawal request before 3:00 pm on a working day, redemption credit to your bank account on the next working day. You will get a better return in liquid fund compared to you bank saving account.

Many companies park their surplus fund in the liquid fund on Friday (assuming working day) with simultaneous withdrawal request. Money gets parked in the liquid fund for a weekend and the fund gets back in the bank account by Monday (assuming working day) 9:00 am. This way they get better interest for a surplus fund over bank account. You can invest in the liquid fund for a minimum of one day also.

Benefits of Liquid Funds

  • Good Return– Liquid Funds are stable funds and the average return is 5 to 7 % in 1 year time. The return is better than bank FDs and deposits.
  • Low Risk– Asset are invested in Debt and Money Market instruments.
  • Short-term Investment Horizon-Liquid Funds are for short-term investment which is between 1 day to 3 Months.
  • Taxation- Short term capital gain tax is applied when invested for up to three year. Short-term gains are added to the income and taxed at the income tax slab applicable to the investor. The long-term gain tax is applied when the investment is done for more than 3 years. LTCG is 20% with indexation benefit.
  • Exit Load Charges – Nil.

Consideration of Liquid Funds

  • Macro-economic factors like Inflation, Interest rate, Global Liquidity & Capital Flows, GDP and fiscal consolidation affect the Liquid funds.

Top 10 Best Performing Liquid Funds-one-month

Scheme Name Current Nav Prevoius Month Nav Rating % Change Invest Now
Quant Liquid Fund-Growth-Direct Plan32.116331.974910.44%Enquire
IDBI Liquid Fund Growth Direct2174.84492168.255420.30%Enquire
Mahindra Manulife Liquid Fund-Direct Plan-Growth1314.21731310.309330.30%Enquire
BNP PARIBAS LIQUID FUND-DIRECT PLAN-GROWTH OPTION3112.5863103.53740.29%Enquire
Union Liquid Fund-Direct Plan-Growth1948.70761943.136750.29%Enquire
Edelweiss Liquid Fund-Direct Plan-Growth2607.39882599.850260.29%Enquire
Mirae Asset Cash Management Fund-Direct Plan-Growth2133.89722127.679470.29%Enquire
BARODA LIQUID FUND-PLAN B DIRECT-GROWTH OPTION2329.20762322.586880.29%Enquire
Aditya Birla Sun Life Liquid Fund-Growth-Direct Plan326.0092325.074890.29%Enquire
Kotak Liquid-Growth-Direct4090.17414078.904100.28%Enquire

Top 10 Best Performing Liquid Funds-Half-Yearly

Scheme Name Current Nav Half Yearly Nav Rating % Change Invest Now
IDBI Liquid Fund Growth Direct2174.84492120.681312.55%Enquire
Union Liquid Fund-Direct Plan-Growth1948.70761900.419122.54%Enquire
Tata Liquid Fund-Direct Plan-Growth3193.56863114.729132.53%Enquire
Quant Liquid Fund-Growth-Direct Plan32.116331.338742.48%Enquire
Nippon India Liquid Fund-Direct Plan Growth Plan-Growth4948.26594829.214352.47%Enquire
Mahindra Manulife Liquid Fund-Direct Plan-Growth1314.21731282.766162.45%Enquire
Aditya Birla Sun Life Liquid Fund-Growth-Direct Plan326.0092318.225372.45%Enquire
ICICI Prudential Liquid Fund-Direct Plan-Growth299.6183292.458382.45%Enquire
LIC MF Liquid Fund-Direct Plan-Growth3673.41143585.845492.44%Enquire
L&T Liquid Fund-Direct Plan-Growth2772.50952706.5897102.44%Enquire

Top 10 Best Performing Liquid Funds-Yearly

Scheme Name Current Nav Perevious Year Nav Rating % Change Invest Now
Quant Liquid Fund-Growth-Direct Plan32.116330.347315.83%Enquire
IDBI Liquid Fund Growth Direct2174.84492066.287225.25%Enquire
Franklin India Liquid Fund-Super Instittutional-Direct-Growth3040.67262889.741435.22%Enquire
Mahindra Manulife Liquid Fund-Direct Plan-Growth1314.21731250.349545.11%Enquire
Tata Liquid Fund-Direct Plan-Growth3193.56863038.648755.10%Enquire
LIC MF Liquid Fund-Direct Plan-Growth3673.41143495.151665.10%Enquire
Edelweiss Liquid Fund-Direct Plan-Growth2607.39882481.217975.09%Enquire
Aditya Birla Sun Life Liquid Fund-Growth-Direct Plan326.0092310.253785.08%Enquire
PGIM India Insta Cash Fund-Direct Plan-Growth263.5541250.807295.08%Enquire
Nippon India Liquid Fund-Direct Plan Growth Plan-Growth4948.26594710.0266105.06%Enquire

Top 10 Best Performing Liquid Funds-2-Years

Scheme Name Current Nav Perevious Two Year Nav Rating % Change Invest Now
Quant Liquid Fund-Growth-Direct Plan32.116328.1568114.06%Enquire
Franklin India Liquid Fund-Super Instittutional-Direct-Growth3040.67262687.4805213.14%Enquire
IDBI Liquid Fund Growth Direct2174.84491923.8753313.05%Enquire
Mahindra Manulife Liquid Fund-Direct Plan-Growth1314.21731163.6891412.94%Enquire
Aditya Birla Sun Life Liquid Fund-Growth-Direct Plan326.0092288.7868512.89%Enquire
Nippon India Liquid Fund-Direct Plan Growth Plan-Growth4948.26594383.7904612.88%Enquire
PGIM India Insta Cash Fund-Direct Plan-Growth263.5541233.5002712.87%Enquire
Edelweiss Liquid Fund-Direct Plan-Growth2607.39882310.322812.86%Enquire
Tata Liquid Fund-Direct Plan-Growth3193.56862831.3644912.79%Enquire
BNP PARIBAS LIQUID FUND-DIRECT PLAN-GROWTH OPTION3112.5862760.88151012.74%Enquire

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FAQs

  1. 1. Why liquid fund is better than FD?

    In the current market scenario, if you keep your money in the Saving Bank account, you will get interest approx of 3 to 3.5% maximum. Short-term Fixed Deposits have an interest rate between 5 to 6%.

    Liquid funds are good to invest surplus money to get a better return than savings accounts or FDs. Liquid funds can be used to park your surplus funds for weekend or market holidays with constitutive redemption request on the next working day. So you can manage your fund's requirements as needed. There are no redemption charges/ withdrawal charges with liquid funds.

    With liquid funds you don’t have restriction of time, you can invest your money for a minimum of 1 day also. Liquid Fund redemption charges are also NIL, interest earn on both the entities are taxable, easy redemption process in liquid funds. So, we can say liquid funds are better than FDs.

    Other related questions

    Are liquid funds better than FD? How liquid fund is better than FD? Liquid fund vs FDs, Liquid Fund vs saving bank interest. Which is better- Liquid Fund or FD?

     

  2. 2. How safe is Liquid Fund?

    Liquid funds are debt funds and a safe way to invest surplus money. The name itself suggest that liquid funds are ready available fund and can be redeemed with one day notice. Liquid funds invest money in debt and money market securities with a maturity of up to 91 days. So there is no chance to get negative returns in liquid funds. As liquid funds don’t invest in equity, so we can say Liquid fund is risk-free.

    Other related questions

    Are liquid funds safe? Are liquid funds risks free? Can liquid funds give negative returns?

     

  3. 3. Can I buy/ invest in liquid funds on Saturday?

    Liquid fund requests can be submitted on Saturday. But the processing of funds will take place on Monday only. To invest your money for the weekend, you need to create a request on Friday before given closing time by the fund house. Usually, liquid fund closing time is between 1 PM to 3 PM.

     

  4. 4. Can I invest in liquid fund through SIP?

    Yes, Liquid funds offer SIP option, but that does not meet the goal of liquid funds investment. Liquid funds are for short-term money investing purpose. However, to answer the questions, yes one can invest in liquid funds via SIP.

     

  5. 5. Where liquid fund invest?

    Liquid funds invest money in debt and money market securities with a maturity of up to 91 days.

     


Disclaimer: We personally suggest you to start SIP, so you can average your NAV. The above list is not a recommendation of funds, nor does it claim to the only correct way to rank funds. Please check the complete risk document of Mutual Funds and their current exposure to market before doing your investment.

Last updated on 20-Sep-20


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