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Liquid Mutual Funds
- Average returns - Dynamic
- Number of funds - (Static)
What is a
Liquid Mutual Funds?
A liquid mutual fund is a debt-oriented fund which invests in securities that have a maturity period of up to 91 days. They are short-term investment avenues that offer stable investment returns.
Advantages of Liquid Mutual Funds
Low risks
Being debt-oriented, liquid funds have low volatility risks and offer stable returns on your investment.
Emergency planning
With instant redemptions, liquid funds can be a good avenue to save for emergencies.
Cost-effective
With instant redemptions, liquid funds can be a good avenue to save for emergencies.
Explore liquid mutual funds
AUM: 23427(Cr)
Risk: Very High
- MIN. INVESTMENT 500
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹10000
- Get (30 Yrs) ₹24,850*
*Projections/estimations is backtested using historical data.
- AUM: 23427(Cr)
- Risk: High
- MIN. INVESTMENT 1000
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹15000
- Get (30 Yrs) ₹34,850*
*Projections/estimations is backtested using historical data.
Liquid funds returns calculator
Check out the expected returns on your liquid fund investments. Use the Aditya Birla Sun Life Mutual Fund (ABSLMF) calculator for quick calculations.
REGULAR INVESTMENT
SIP
Invest systematically in regular amounts and build a corpus with a disciplined investing habit.
START SIPONE TIME INVESTMENT
Lump sum
Invest once with the facility of lump sum investing and save at your will. Time the market correctly and earn good returns.
INVEST LUMPSUMTotal Amount Invested
₹ 0
after 30 years you will get a return of
₹ 0
Disclaimer: Projections/estimations is backtested using historical data.
Total Amount Invested
₹ 0
after 30 years you will get a return of
₹ 0
Disclaimer: Projections/estimations is backtested using historical data.
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Understanding Liquid Mutual Funds
Table of Contents
What are liquid mutual funds?
-
Liquid mutual funds are open-ended debt funds which invest their portfolio in money market instruments or securities with a maturity of up to 91 days. Liquid funds are short-term investment avenues which offer quick redemptions.
What are the features of liquid mutual funds?
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Park your surplus funds for a short tenure and earn good returns
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Low interest rate risk since the maturity of the underlying portfolio is short-term
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There’s no capping on the maximum investment amount
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Returns from liquid funds range in the 6% to 8% limit
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No exit load is charged if redeemed after 7 days of investment
Things to keep in mind when investing in liquid mutual funds?
• Liquid funds are not completely risk-free. There’s some element of credit risk
• Redemptions within the first 6 days would attract an exit load
• Check the expense ratio of liquid schemes. Though the ratio is low, choose a fund which has the lowest ratio for maximum investment
• Compare liquid funds on their returns too. A fund with the highest return is better
What should be the investment horizon for liquid mutual funds?
Liquid funds invest in securities with a short maturity period
Hence, they are suitable for short-term investments
If you want to park your surplus funds for a week or more, you can choose liquid mutual funds
You can invest your emergency corpus in liquid funds and stay invested for as long as you want
What is the tax implication of liquid mutual funds?
Returns earned are taxed at your income tax slab rates
Dividends earned, if any, are taxed at your income tax slab rate
What are the payout options?
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Dividend option
Earn dividends on your investment at regular intervals
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Growth option
Accumulate the returns over the investment tenure and get a lump sum amount on redemption
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FAQs On Liquid Mutual Funds
The returns from liquid funds are comparable to those from short-term fixed deposits. Liquid funds also offer benefits such as no lock-in period and no exit load after 7 days. So, liquid funds are better if you want liquidity and better returns. However, the returns from liquid funds are not guaranteed, while fixed deposits offer assured returns.
Online investment in liquid funds is safe if you choose a reputed platform, like ABCD, to invest.
No. Liquid funds are better known as short-term investment options, especially if you want to park your surplus funds for a short time before they come to use or are invested elsewhere for the long term. For long-term investments, you can choose long-term debt funds and benefit from higher returns.
Yes, liquid funds are a good option for parking emergency funds because of their high liquidity and relatively higher return potential than savings accounts and fixed deposits
Liquid funds invest majorly in short-term debt instruments, while debt funds invest in various debt securities across time horizons.
Types of Debt Mutual Funds
Funds Based On Duration
Funds Based On Portfolio Allocation
Other asset class funds
Equity Fund
Give your savings the growth they deserve. Invest in Equity Funds and unlock the potential of long-term growth
Know More
Fund of Funds
Mutual funds that invest in other mutual funds both in India and globally
Hybrid Funds
Get a mix of equity, debt and other asset classes for a diversified portfolio
Know More
Index Fund
Passively-managed mutual funds tracking a particular index
Know More
ETF Funds
Invest in funds listed and traded on the stock exchange