Liquid Funds
Every liquid scheme in the AMFI-sourced universe behind this site, with NAV as at 20 Aug 2026.
Average 3Y return
+6.90%
across 35 of 42 schemes
Riskometer (most common)
Moderately Low
29 of 37 disclosing
Total schemes
42
1 SEBI sub-category
What is a liquid fund?
Liquid funds hold debt maturing within 91 days — treasury bills, commercial paper, certificates of deposit — making them the calmest category in the market.
Built for parking money: emergency funds, bonus money, next quarter’s expenses.
Redemptions usually settle the next business day; small instant-redemption limits exist too.
Returns hug short-term interest rates — think FD-like, not equity-like.
Liquid schemes, sorted on disclosed returns
42 of 42 schemes shown · sorted by disclosed 1Y return, highest first · NAV as at 20 Aug 2026
Liquid schemes
Liquid Fund
₹457.26
NAV · 20 Aug 2026
1Y
+6.52%
3Y
+7.03%
5Y
+6.36%
COST
—
Liquid Fund
Moderately Low
₹3,148.77
NAV · 20 Aug 2026
1Y
+6.52%
3Y
+7.02%
5Y
+6.34%
COST
0.12%
Liquid Fund
Moderate
₹2,502.08
NAV · 20 Aug 2026
1Y
+6.52%
3Y
+7.02%
5Y
—
COST
0.14%
Liquid Fund
Moderately Low
₹1,073.18
NAV · 20 Aug 2026
1Y
+6.51%
3Y
—
5Y
—
COST
0.10%
Liquid Fund
Moderately Low
₹4,047.59
NAV · 20 Aug 2026
1Y
+6.49%
3Y
+7.00%
5Y
+6.31%
COST
0.12%
Liquid Fund
Moderately Low
₹3,658.21
NAV · 20 Aug 2026
1Y
+6.49%
3Y
+7.02%
5Y
+6.34%
COST
0.10%
Liquid Fund
Moderately Low
₹4,254.74
NAV · 20 Aug 2026
1Y
+6.49%
3Y
+7.01%
5Y
+6.31%
COST
0.14%
Liquid Fund
Moderate
₹6,928.35
NAV · 20 Aug 2026
1Y
+6.48%
3Y
+7.00%
5Y
+6.32%
COST
0.20%
Liquid Fund
Moderately Low
₹369.26
NAV · 20 Aug 2026
1Y
+6.48%
3Y
+7.00%
5Y
+6.33%
COST
0.11%
Liquid Fund
Moderate
₹1,843.08
NAV · 20 Aug 2026
1Y
+6.46%
3Y
+6.99%
5Y
+6.34%
COST
0.15%
Liquid Fund
Moderately Low
₹2,729.41
NAV · 20 Aug 2026
1Y
+6.46%
3Y
+6.99%
5Y
+6.33%
COST
0.07%
Liquid Fund
Moderately Low
₹1,235.08
NAV · 20 Aug 2026
1Y
+6.45%
3Y
+6.98%
5Y
—
COST
0.08%
Liquid Fund
Moderately Low
₹2,742.90
NAV · 20 Aug 2026
1Y
+6.45%
3Y
+6.99%
5Y
+6.20%
COST
0.12%
Liquid Fund
Moderate
₹4,466.52
NAV · 20 Aug 2026
1Y
+6.45%
3Y
+6.99%
5Y
+6.30%
COST
0.23%
Liquid Fund
Moderately Low
₹3,416.70
NAV · 20 Aug 2026
1Y
+6.44%
3Y
+6.96%
5Y
+6.29%
COST
0.07%
Liquid Fund
Moderately Low
₹3,258.58
NAV · 20 Aug 2026
1Y
+6.44%
3Y
+6.98%
5Y
+6.33%
COST
0.09%
Liquid Fund
Moderate
₹5,716.70
NAV · 20 Aug 2026
1Y
+6.44%
3Y
+6.96%
5Y
+6.29%
COST
0.19%
Liquid Fund
Moderately Low
₹5,136.68
NAV · 20 Aug 2026
1Y
+6.44%
3Y
+6.96%
5Y
+6.29%
COST
0.13%
Liquid Fund
Moderately Low
₹3,883.37
NAV · 20 Aug 2026
1Y
+6.43%
3Y
+6.96%
5Y
+6.28%
COST
0.15%
Liquid Fund
Moderately Low
₹5,555.76
NAV · 20 Aug 2026
1Y
+6.42%
3Y
+6.94%
5Y
+6.27%
COST
0.20%
Liquid Fund
Moderate
₹4,423.17
NAV · 20 Aug 2026
1Y
+6.42%
3Y
+6.93%
5Y
+6.26%
COST
0.20%
Liquid Fund
Moderately Low
₹2,818.96
NAV · 20 Aug 2026
1Y
+6.41%
3Y
+6.97%
5Y
+6.31%
COST
0.13%
Liquid Fund
Moderately Low
₹3,260.73
NAV · 20 Aug 2026
1Y
+6.40%
3Y
+6.94%
5Y
+6.31%
COST
0.14%
Liquid Fund
Moderately Low
₹1,564.49
NAV · 20 Aug 2026
1Y
+6.38%
3Y
+6.71%
5Y
+6.02%
COST
0.10%
Liquid Fund
Moderately Low
₹2,986.85
NAV · 20 Aug 2026
1Y
+6.37%
3Y
+6.96%
5Y
+6.30%
COST
0.09%
Liquid Fund
Moderately Low
₹1,369.39
NAV · 20 Aug 2026
1Y
+6.37%
3Y
+6.91%
5Y
+6.25%
COST
0.10%
Liquid Fund
₹1,514.39
NAV · 20 Aug 2026
1Y
+6.34%
3Y
+6.87%
5Y
+6.12%
COST
—
Liquid Fund
Moderately Low
₹77.18
NAV · 20 Aug 2026
1Y
+6.33%
3Y
+6.89%
5Y
+6.25%
COST
0.16%
Liquid Fund
Moderately Low
₹1,117.17
NAV · 20 Aug 2026
1Y
+6.27%
3Y
—
5Y
—
COST
0.15%
Liquid Fund
Moderately Low
₹2,165.20
NAV · 20 Aug 2026
1Y
+6.22%
3Y
+6.77%
5Y
+6.12%
COST
0.23%
Liquid Fund
Moderately Low
₹1,468.60
NAV · 20 Aug 2026
1Y
+6.17%
3Y
+6.73%
5Y
+6.08%
COST
0.16%
Liquid Fund
Moderately Low
₹14.90
NAV · 20 Aug 2026
1Y
+6.08%
3Y
+6.58%
5Y
+5.92%
COST
0.20%
Liquid Fund
₹45.31
NAV · 20 Aug 2026
1Y
+6.06%
3Y
+6.78%
5Y
+6.25%
COST
—
Liquid Fund
Moderately Low
₹30.53
NAV · 20 Aug 2026
1Y
+5.78%
3Y
+6.45%
5Y
—
COST
0.17%
Liquid Fund
Moderately Low
₹1,049.01
NAV · 20 Aug 2026
1Y
—
3Y
—
5Y
—
COST
0.11%
Liquid Fund
Moderately Low
₹1,056.49
NAV · 20 Aug 2026
1Y
—
3Y
—
5Y
—
COST
0.10%
Open in the screener with full filters →
Returns over 1Y are annualised · NAV and returns as at 20 Aug 2026
Liquid funds return calculator
Backtest a real fund from this category, or project a future value.
What would you like to calculate?
Select fund
Investment type
SIP amount (monthly)₹5,000
Tenure
Backtest: Aditya Birla Sun Life Liquid Fund - Growth’s disclosed 5Y SIP return of 6.82% — an annualised SIP return (XIRR), compounded monthly over the instalments. Past figures, illustrative only.
Invested amt.₹3,00,000
Net profit+₹56,380
Total wealth₹3,56,380
Suitability test
Are liquid funds suitable for you?
3 questions · 30 seconds · no sign-up
Liquid schemes with the highest disclosed 3Y return
Why liquid funds
Better rates than savings accounts with almost none of the drama. The natural first stop for money that must stay safe but shouldn’t sit idle.
Taxation (2026)
Non-equity rules: gains add to your income and are taxed at slab rate regardless of holding period.
Who should invest
Anyone with idle cash — and STP users who park a lumpsum here while transferring into equity monthly.
What to check
Credit quality of the paper held and a graded exit load that applies only in the first 7 days.
Frequently asked questions
+Can a liquid fund lose money?
Rarely and briefly — only in credit events or sharp rate moves. Day-to-day NAVs are remarkably steady.
+Liquid fund vs savings account?
Liquid funds usually earn 1–2% more, with next-day access. Keep a month of expenses in the bank, park the rest.
+What is the exit load?
A small graded load applies for the first 7 days only — nil after that.