Why Invest in Liquid Funds?
  • Better returns than conventional saving methods
  • Hold least amount of risk
  • No exit load and lock-in
  • Great for maintaining liquidity in portfolio.
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Top funds 3Y Return 5Y Return
Axis Liquid Fund (G) 7.13% 7.64% Invest
Reliance Liquid Fund (G) 7.13% 7.64% Invest
Aditya Birla Sun Life Liquid Fund (G) 7.11% 7.65% Invest
L&T Liquid Fund (G) 7.09% 7.62% Invest
Franklin India Liquid Fund - Super Institutional Plan (G) 7.35% 8.12% Invest
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Apr 20, 2019 7 min read

5 Best Liquid Funds to Invest in 2019

Read and know about the best liquid funds to invest in 2019.

Liquid Funds are a category of mutual funds that invests in debt instruments such as commercial papers, treasury bills, debentures, bonds, etc., with a maturity of up to 91 days. These schemes are best for parking money for the short term, as not only they have no exit load, investors can make a redemption even after a single day of investing. To make sure that you invest in the best, the following are five best liquid funds to make an investment in 2019.

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Axis Liquid Fund (G)

Basic Details
Benchmark NIFTY Liquid Fund TRI
Launch Date 09-Oct-09
Asset Size Rs. 21,028 crore (As on Mar 31, 2019)
Expense Ratio 0.16% (As on Mar 31, 2019)
Minimum Investment Rs. 500
Minimum Withdrawal Rs. 500
Return Since Inception 7.95%
Exit Load 0

Axis Liquid Fund has been one of the most consistent players of the liquid mutual fund category. In the past 1, 3, and 5 years the scheme has provided annualized returns of 7.52%, 7.19%, and 7.53%, (As on Apr 18, 2019) respectively. To make sure that stability can be maintained in the future too, it is investing predominantly in instruments with high credit quality and low interest rate sensitivity. To further reduce the risk, it is following a diversified portfolio, with currently having investments in 143 instruments. The average maturity of the overall portfolio is 0.18 years, which ensures high liquidity. As for the instruments in the portfolio, 106.15% is in A1+ rated instruments, 3.14% is in SOV, 2.61% is in AAA rated instruments, 2.47% is in AA rated instruments, 1.87% is in Bill Re discounting, and -16.24% is in cash equivalents.

Reliance Liquid Fund (G)

Basic Details
Benchmark CRISIL Liquid
Launch Date 09-Dec-03
Asset Size Rs. 30,272 crore (As on Mar 31, 2019)
Expense Ratio 0.22% (As on Mar 31, 2019)
Minimum Investment Rs. 100
Minimum Withdrawal Rs. 100
Return Since Inception 7.40%
Exit Load 0

Reliance Liquid Fund is a scheme that has managed to be in the list of top liquid funds due to its stellar performance. It has provided annualized returns of 7.52%, 7.17%, and 7.73% in the past 1, 3, and 5 years (As on Apr 18, 2019), respectively. The primary aim of the scheme is to provide investors with high liquidity and stable returns, and the investment style it follows ensures the same. It is currently investing in 155 instruments, and the average maturity of all the instruments comes out to 0.18 years. To maintain stability, it has been investing in instruments with high credit quality and low interest rate sensitivity. At present, it has 99.82% investments in A1+ rated instruments, 10.90% in term deposits, 3.91% in bill discounting, 1.92% in AAA rated instruments, and -16.55% in the cash equivalents.

Franklin India Liquid Fund- Super Institutional Plan (G)

Basic Details
Benchmark NIFTY Liquid Fund TRI
Launch Date 02-Sep-05
Asset Size Rs. 7,054 crore (As on Mar 31, 2019)
Expense Ratio 0.86% (As on Mar 31, 2019)
Minimum Investment Rs. 10000
Minimum Withdrawal Rs. 1000
Return Since Inception 7.84%
Exit Load 0

Franklin Templeton Mutual Fund has maintained a great track record in terms of providing debt schemes and Franklin India Liquid Fund has played a good role in that. In the past 1, 3, and 5 years it has provided annualized returns of 7.63%, 7.20%, and 7.79%, (As on Apr 18, 2019) respectively. Now, just like the above two schemes, it is also investing in high credit quality and low interest rate sensitive instruments. He portfolio is a bit focused with current investments in 58 instruments. As for the selected instruments, 115.1% is in A1+ rated instruments, 5.76% is in AAA rated instruments, 4.04% is in AA rated instruments, and -24.9% is in cash equivalents.

Aditya Birla Sun Life Liquid Fund (G)

Basic Details
Benchmark CRISIL Liquid
Launch Date 29-Mar-04
Asset Size Rs. 42,721 crore (As on Mar 31, 2019)
Expense Ratio 0.24% (As on Mar 31, 2019)
Minimum Investment Rs. 1000
Minimum Withdrawal Rs. 500
Return Since Inception 7.57%
Exit Load 0

Aditya Birla Sun Life Liquid Fund is one of the oldest funds in the category. The scheme has maintained a 4-5 star rating throughout its life and all the credit goes to its consistent performance. In the past 1, 3, and 5 years it has provided annualized returns of 7.47%, 7.15%, and 7.73%,(As on Apr 18, 2019) respectively. At present, it is investing in a total of 190 instruments. From the picked instruments 87.42% of the total investments are in A1+ rated instruments, 13.28% is in AAA rated instruments, 7.51% is in term deposits, 2.1% is in bill discounting, 0.86% is in SOV and -12.79% is in cash equivalents.

L&T Liquid Fund (G)

Basic Details
Benchmark CRISIL Liquid
Launch Date 27-Oct-00
Asset Size Rs. 10,748 crore (As on Mar 31, 2019)
Expense Ratio 0.15% (As on Mar 31, 2019)
Minimum Investment Rs. 10000
Minimum Withdrawal Rs. 1000
Return Since Inception 7.79%
Exit Load 0

In terms of consistency, L&T Liquid Fund has also maintained a great track record and has provided average returns of more than 7%. In the past 1, 3, and 5 years it has provided annualized returns of 7.48%, 7.16%, and 7.72%, (As on Apr 18, 2019) respectively. The maintain stability in the performance, instruments with high credit quality and low interest rate sensitivity are preferred. The liquidity in the portfolio is also great and as of now the average maturity of the instruments is just 0.17 years. As for the portfolio, 125.49% of the total investments are in A1+ rated instruments, 2.16% is in AA rated instruments, 2.15% is in AAA rated instruments, and -29.8% is in cash equivalents.

Invest in the Best Mutual Funds
  • 100% Paperless
  • No Transaction Charges
  • Easy to Invest
  • Safe & Secure

These are the 5 top liquid funds in which you can invest in 2019 for consistent growth and maintain liquidity in your investments. Now, which one you want to choose among these depends on your own investment style. If you want help with the selection, feel free to connect with the experts @ 9660032889.

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