Aditya Birla Sun Life Liquid Fund
Aditya Birla Sun Life Mutual Fund · Liquid · Direct plan, growth option
NAV (₹), 2 Oct 2026
460.5501
1-day change
0.04%
1Y return
6.6%
3Y CAGR
7.0%
5Y CAGR
6.4%
Max drawdown, 5Y
0.0%
NAV history month-end NAV, ₹ · 1 Jan 2013 to 1 Oct 2026
Returns vs Liquid median (40 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | 0.5% | 0.5% |
| 3 months | 1.6% | 1.5% |
| 6 months | 3.5% | 3.3% |
| Year to date | 5.0% | 5.0% |
| 1 year | 6.6% | 6.5% |
| 3 years (CAGR) | 7.0% | 6.9% |
| 5 years (CAGR) | 6.4% | 6.4% |
| 7 years (CAGR) | 5.8% | 5.7% |
| 10 years (CAGR) | 6.2% | 6.1% |
| 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 | 7.0% | 7.0% |
| 3Y rolling worst | 4.1% | 4.1% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 6.0% | 5.9% |
| 5Y rolling worst | 5.3% | 5.2% |
| 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.) | 0.4% | 0.4% |
| Sharpe ratio | 0.82 | 0.73 |
| Sortino ratio | 1.06 | 0.93 |
| 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 | −0.2% | −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.
Fund managers and scheme facts Scheme Summary Document via AMFI
Objective: The objective of the scheme is to provide reasonable returns at a high level of safety and liquidity through judicious investments in high quality debt and money market instruments.
Stated asset allocation: Under normal circumstances the following investments limits will apply: Debt and Money Market Instruments - Upto 100% - Low to Medium
Benchmark (tier 1): NIFTY Liquid Index A-I
Exit load: Investor Exit upon subscription Exit load as % of redemption proceeds Day 1 - 0.0070% Day 2 - 0.0065% Day 3 - 0.0060% Day 4 - 0.0055% Day 5 - 0.0050% Day 6 - 0.0045% 7 onwards - 0.0000%
Minimum application: 100 (growth option), 500 (IDCW)
Allotment date: 16 Jun 1997
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), Direct plan | 0.21% | 0.13% |
| AUM, whole scheme (₹ crore) | 61,167 | 5,127 |
| Riskometer | 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) | 6.5% | 6.4% TRI |
| Return, 3 years (AMFI) | 7.0% | 6.9% TRI |
| Return, 5 years (AMFI) | 6.4% | 6.4% TRI |
| Month-ends above category median (3Y CAGR) | 100% | 48% median |
| Month-ends in category top quartile (3Y) | 93% | 7% median |
| 7Y rolling CAGR, median (monthly windows) | 5.9% | 5.9% median |
Official benchmark: NIFTY Liquid Index A-I (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Liquid Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 5.0% | n/a | – |
| 2025 | 6.7% | n/a | – |
| 2024 | 7.5% | n/a | – |
| 2023 | 7.2% | n/a | – |
| 2022 | 4.9% | n/a | – |
| 2021 | 3.4% | n/a | – |
| 2020 | 4.4% | n/a | – |
| 2019 | 6.8% | n/a | – |
| 2018 | 7.5% | n/a | – |
| 2017 | 6.8% | 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 2 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,24,328 | 6.7% |
| 3 years | ₹3,60,000 | ₹3,99,066 | 6.8% |
| 5 years | ₹6,00,000 | ₹7,12,921 | 6.8% |
| 10 years | ₹12,00,000 | ₹16,48,357 | 6.2% |
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
Category: Liquid
Plan / option: Direct · Growth
AMFI scheme code: 119568
ISIN: INF209K01VA3
First NAV in MFIC data: 1 Jan 2013
History: 13.7 years
Expense ratio, AUM, portfolio: see the scheme's factsheet
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Kotak Liquid Fund | Liquid | 1.00 | 6.9% |
| Axis Liquid Fund | Liquid | 1.00 | 7.0% |
| Nippon India Liquid Fund | Liquid | 1.00 | 7.0% |
| UTI - Liquid Fund | Liquid | 1.00 | 7.0% |
| HDFC Liquid Fund | Liquid | 1.00 | 6.9% |
| SBI LIQUID FUND | Liquid | 1.00 | 6.9% |
Questions about Aditya Birla Sun Life Liquid Fund
- What is the latest NAV of Aditya Birla Sun Life Liquid Fund?
- The NAV of the Direct plan (growth option) was ₹460.5501 on 2 Oct 2026, as published by AMFI.
- Which category is Aditya Birla Sun Life 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 40 Liquid schemes (Direct plans).
- What returns has Aditya Birla Sun Life Liquid Fund delivered?
- Over one year the NAV changed by 6.6%. The 3-year CAGR is 7.0% (category median 6.9%) and the 5-year CAGR is 6.4% (category median 6.4%). 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 7.0%, the lowest was 4.1%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in Aditya Birla Sun Life 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 Aditya Birla Sun Life Liquid Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 0.4%, which is above the Liquid category median of 0.4%.
- What would a monthly SIP in Aditya Birla Sun Life 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 ₹7,12,921 on 2 Oct 2026, an annualised return (XIRR) of 6.8%. This uses the Direct 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 Aditya Birla Sun Life Liquid Fund?
- The total expense ratio of the Direct plan is 0.21% a year, as disclosed to AMFI (median of Liquid Direct plans: 0.13%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is Aditya Birla Sun Life Liquid Fund?
- Assets under management of the whole scheme were ₹61,167 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of Aditya Birla Sun Life Liquid Fund?
- AMFI lists the scheme's riskometer as “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 Aditya Birla Sun Life 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 7.0% for this plan against 6.9% for the benchmark total return index; over 5 years 6.4% against 6.4%. Past performance does not indicate future results.
- How often has Aditya Birla Sun Life Liquid Fund beaten its category?
- At 100% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Liquid schemes (Direct plans); it was in the top quarter at 93% of them. A typical scheme would show about 50%.
- What is the exit load of Aditya Birla Sun Life Liquid Fund?
- As stated in its scheme documents: Investor Exit upon subscription Exit load as % of redemption proceeds Day 1 - 0.0070% Day 2 - 0.0065% Day 3 - 0.0060% Day 4 - 0.0055% Day 5 - 0.0050% Day 6 - 0.0045% 7 onwards - 0.0000% Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in Aditya Birla Sun Life Liquid Fund?
- The minimum application amount is 100 (growth option), 500 (IDCW).
- 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 6.6% and the Regular plan's by 6.4%. The Regular plan includes the services of a distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 2 Oct 2026. Category medians use Direct 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.