Top Debt Funds

Best Liquid Mutual Funds

These funds lend to companies for a period of upto 91 days. No lock-in, no entry/exit loads, near zero risk and easy one day withdrawal.
Investment Horizon: Upto 3 MonthsReturns With Near Zero Risk: 4% - 5%
1Y return
Quant Liquid Plan Growth Option Direct Plan
Quant Liquid Plan Growth Option Direct Plan
4.26%
AUM ₹527 Cr Expense 0.29%
Navi Liquid Fund Direct Plan Growth Option
Navi Liquid Fund Direct Plan Growth Option
3.5%
AUM ₹86 Cr Expense 0.15%
IDBI Liquid Fund Direct Growth
IDBI Liquid Fund Direct Growth
3.46%
AUM ₹911 Cr Expense 0.13%
Mahindra Manulife Liquid Fund Direct Plan Growth
Mahindra Manulife Liquid Fund Direct Plan Growth
3.46%
AUM ₹1563 Cr Expense 0.14%
Mirae Asset Cash Management Fund Direct Plan Growth
Mirae Asset Cash Management Fund Direct Plan Growth
3.43%
AUM ₹3535 Cr Expense 0.17%
LIC MF Liquid Fund-Direct Plan-Growth Option
LIC MF Liquid Fund-Direct Plan-Growth Option
3.43%
AUM ₹6643 Cr Expense 0.11%
Nippon India Liquid Fund Direct Plan Growth Plan
Nippon India Liquid Fund Direct Plan Growth Plan
3.42%
AUM ₹23456 Cr Expense 0.18%
UTI - Liquid Cash Plan - Direct Plan - Growth Option
UTI - Liquid Cash Plan - Direct Plan - Growth Option
3.42%
AUM ₹30969 Cr Expense 0.13%
JM Liquid Fund (Direct) - Growth Option
JM Liquid Fund (Direct) - Growth Option
3.42%
AUM ₹1117 Cr Expense 0.15%
Union Liquid Fund Direct Plan Growth Option
Union Liquid Fund Direct Plan Growth Option
3.41%
AUM ₹1340 Cr Expense 0.07%
Kotak Liquid Fund Growth Direct
Kotak Liquid Fund Growth Direct
3.4%
AUM ₹31096 Cr Expense 0.2%
DSP Liquidity Fund Direct Plan Growth
DSP Liquidity Fund Direct Plan Growth
3.39%
AUM ₹7512 Cr Expense 0.15%
Tata Liquid Fund Direct Plan Growth
Tata Liquid Fund Direct Plan Growth
3.39%
AUM ₹12509 Cr Expense 0.22%
Sundaram Money Fund - Direct Plan - Growth Option
Sundaram Money Fund - Direct Plan - Growth Option
3.39%
AUM ₹2604 Cr Expense 0.17%
ICICI Prudential Liquid Fund Direct Plan Growth
ICICI Prudential Liquid Fund Direct Plan Growth
3.38%
AUM ₹32834 Cr Expense 0.2%
Franklin India Liquid Super Institutional Plan Direct Growth
Franklin India Liquid Super Institutional Plan Direct Growth
3.38%
AUM ₹1605 Cr Expense 0.13%
Invesco India Liquid Fund Direct Plan Growth
Invesco India Liquid Fund Direct Plan Growth
3.36%
AUM ₹3916 Cr Expense 0.15%
L&T Liquid Fund Direct Plan Growth Option
L&T Liquid Fund Direct Plan Growth Option
3.34%
AUM ₹5304 Cr Expense 0.14%
IDFC Cash Fund - Direct Plan - Growth
IDFC Cash Fund - Direct Plan - Growth
3.33%
AUM ₹9227 Cr Expense 0.12%
Canara Robeco Liquid Direct Plan Growth
Canara Robeco Liquid Direct Plan Growth
3.29%
AUM ₹2258 Cr Expense 0.1%
 

What are liquid funds?

Liquid funds are debt funds that invest in fixed-income instruments such as commercial papers, government securities, treasury bills, and many more. The Best liquid funds to invest in will invest in securities with an underlying maturity period of up to 91 days. This implies lesser volatility in the funds returns due to short maturity.

What are the benefits of investing in the best liquid funds?

The table below shows a comparison of Liquid Funds with Savings Account.

ParticularsSavings AccountLiquid Fund
Returns2.7% - 4%3.5%- 5.5%
RiskVery low riskSlightly higher than Savings A/c
TaxationAs per income slabMuch lower tax in long-term due to indexation benefit
WithdrawalInstantT+1

What should you know before investing in the top liquid funds?

How to Start Investing Online in the Best Liquid Funds

STEP 1
Download the INDmoney App
STEP 2
Create your profile
STEP 3
Select any best liquid fund from our catalogue
STEP 4
Choose between Starting a SIP or One time lumpsum
STEP 5
Complete the payment process
Liquid assets are best for those with a lump sum for long-haul investments that they wish to contribute deliberately or intermittently through a systematic transfer plan (STP) into another resource class like equity. Online tools and experienced financial advisors at INDmoney helps investors without any transaction fee & charges. The portal allows investors to track portfolios and manage all investments from one place. All of this comes with instant processing and paperless approval.

Outlook

By their very nature, liquid funds allow investors to park their money for a short time with no lock-in period and withdraw it as per their choice. Top liquid funds bear less risk than ultra-short-term funds and do not have any exit load. Young investors often prefer these since they have a residual maturity of up to 91 days. Parking in liquid funds depends on your investment purpose, be it for growth or for reinvesting the profit. The very nature of the best liquid mutual funds makes them a perfect fit for all your investment needs for short-term financial gains.

Frequently Asked Questions

What are liquid mutual funds?

How to invest in liquid mutual funds online?

How are liquid mutual funds taxed?

Do Liquid mutual funds in India pay dividends?

How to choose the liquid mutual funds to invest in?

What are the risks involved in investing in liquid mutual funds?

How long should I remain invested in a liquid fund?

Where do liquid mutual funds invest?

How much money should I invest in liquid funds?

What are the expected returns of liquid mutual funds?

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