SBI LIQUID FUND
SBI Mutual Fund · Liquid · Regular plan, growth option
NAV (₹), 1 Oct 2026
4,405.6876
1-day change
0.02%
1Y return
6.4%
3Y CAGR
6.8%
5Y CAGR
6.2%
Max drawdown, 5Y
0.0%
NAV history month-end NAV, ₹ · 26 Mar 2007 to 4 Oct 2026
Returns vs Liquid median (48 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | 0.4% | 0.4% |
| 3 months | 1.5% | 1.5% |
| 6 months | 3.2% | 3.2% |
| Year to date | 4.9% | 4.9% |
| 1 year | 6.4% | 6.4% |
| 3 years (CAGR) | 6.8% | 6.8% |
| 5 years (CAGR) | 6.2% | 6.2% |
| 7 years (CAGR) | 5.6% | 5.6% |
| 10 years (CAGR) | 6.0% | 6.0% |
| Since first NAV (CAGR) | 6.9% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.1% | 7.0% |
| 3Y rolling median | 6.9% | 6.9% |
| 3Y rolling worst | 4.0% | 4.0% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 7.5% | 6.9% |
| 5Y rolling worst | 5.1% | 5.1% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 0.3% | 0.3% |
| Sharpe ratio | 0.33 | 0.34 |
| Sortino ratio | 0.41 | 0.42 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −0.2% | −0.2% |
| Maximum drawdown, last 10Y | −0.1% | −0.2% |
| Maximum drawdown, last 5Y | 0.0% | 0.0% |
| Current drawdown | 0.0% | 0.0% |
| Recovery time of worst fall | n/a | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Recent disclosure changes last 120 days, as disclosed via AMFI
- 29 Sep 2026: TER reduced from 0.34% to 0.32% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
Objective: The Objective of the Scheme is to provide investors an opportunity to earn returns through periodic dividend or capital appreciation through an actively managed portfolio of debt and money market instruments
Minimum application: ₹5,00,00,000
Allotment date: 22 Mar 2007
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 0.32% | 0.26% |
| AUM, whole scheme (₹ crore) | 77,481 | 4,912 |
| Riskometer | Low to Moderate | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 6.4% | 6.4% TRI |
| Return, 3 years (AMFI) | 6.8% | 6.9% TRI |
| Return, 5 years (AMFI) | 6.2% | 6.4% TRI |
| Month-ends above category median (3Y CAGR) | 16% | 46% median |
| Month-ends in category top quartile (3Y) | 0% | 7% median |
| 7Y rolling CAGR, median (monthly windows) | 6.4% | 6.4% median |
Official benchmark: NIFTY Liquid Index A-I (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Liquid Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 4.9% | n/a | – |
| 2025 | 6.4% | n/a | – |
| 2024 | 7.3% | n/a | – |
| 2023 | 7.0% | n/a | – |
| 2022 | 4.7% | n/a | – |
| 2021 | 3.3% | n/a | – |
| 2020 | 4.2% | n/a | – |
| 2019 | 6.5% | n/a | – |
| 2018 | 7.3% | n/a | – |
| 2017 | 6.6% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,24,256 | 6.5% |
| 3 years | ₹3,60,000 | ₹3,97,973 | 6.6% |
| 5 years | ₹6,00,000 | ₹7,09,408 | 6.6% |
| 10 years | ₹12,00,000 | ₹16,31,517 | 6.0% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: SBI Mutual Fund
Category: Liquid
Plan / option: Regular · Growth
AMFI scheme code: 105280
ISIN: INF200K01MA1
First NAV in MFIC data: 26 Mar 2007
History: 19.5 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| SBI LIQUID FUND | Liquid | 1.00 | 6.8% |
| Axis Liquid Fund | Liquid | 1.00 | 6.9% |
| Kotak Liquid Fund | Liquid | 1.00 | 6.8% |
| Aditya Birla Sun Life Liquid Fund | Liquid | 1.00 | 6.9% |
| UTI - Liquid Fund | Liquid | 1.00 | 6.9% |
| HSBC Liquid Fund | Liquid | 1.00 | 6.8% |
Questions about SBI LIQUID FUND
- What is the latest NAV of SBI LIQUID FUND?
- The NAV of the Regular plan (growth option) was ₹4,405.6876 on 1 Oct 2026, as published by AMFI.
- Which category is SBI LIQUID FUND in?
- It is classified as Liquid in AMFI's daily NAV file; a Liquid scheme invests in securities maturing in up to 91 days. MFIC compares it with 48 Liquid schemes (Regular plans).
- What returns has SBI LIQUID FUND delivered?
- Over one year the NAV changed by 6.4%. The 3-year CAGR is 6.8% (category median 6.8%) and the 5-year CAGR is 6.2% (category median 6.2%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 6.9%, the lowest was 4.0%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in SBI LIQUID FUND's NAV?
- The largest peak-to-trough fall in its available history was 0.2%; within the last five years it was 0.0% (category median 0.0%).
- How volatile is SBI LIQUID FUND?
- Its annualised standard deviation of monthly returns over the last 36 months is 0.3%, which is above the Liquid category median of 0.3%.
- What would a monthly SIP in SBI LIQUID FUND have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,09,408 on 1 Oct 2026, an annualised return (XIRR) of 6.6%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of SBI LIQUID FUND?
- The total expense ratio of the Regular plan is 0.32% a year, as disclosed to AMFI (median of Liquid Regular plans: 0.26%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is SBI LIQUID FUND?
- Assets under management of the whole scheme were ₹77,481 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of SBI LIQUID FUND?
- AMFI lists the scheme's riskometer as “Low to Moderate”, and its benchmark's as “Low to Moderate”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of SBI LIQUID FUND and how has it compared?
- Its official benchmark is the NIFTY Liquid Index A-I. Over 3 years AMFI reports a return of 6.8% for this plan against 6.9% for the benchmark total return index; over 5 years 6.2% against 6.4%. Past performance does not indicate future results.
- How often has SBI LIQUID FUND beaten its category?
- At 16% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Liquid schemes (Regular plans); it was in the top quarter at 0% of them. A typical scheme would show about 50%.
- What is the minimum investment in SBI LIQUID FUND?
- The minimum application amount is ₹5,00,00,000.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 6.5% and the Regular plan's by 6.4%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
Integrato's team can walk you through how your current schemes have behaved, using the same data shown here. Integrato is an AMFI-registered Mutual Fund Distributor.
Follow SBI LIQUID FUND by email
Every Monday: this scheme's NAV, 1-month and 1-year return beside its category median, 3-year CAGR and how far it is below its peak. Add more schemes from their pages or from your MFIC watchlist. Free; unsubscribe from any email.
Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.