Sharpe ratio
-5.99Return earned for the risk taken.
Negative
Negative means the fund has not rewarded investors well for the risk taken recently.
+6.63%1Y Absolute Return
+0.03%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| Aditya Birla Sun Life Liquid Fund - Growth - Direct PlanFund 5Y annualised return | ₹8,57,193 | ₹7,32,612 | ₹1,24,581 | +6.51% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age13.9 yrs
Fund information
Scheme code119568
ISININF209K01VA3
BenchmarkNIFTY Liquid Index A-I
CategoryDebt Scheme - Liquid Fund
Expense ratio0.21%
Exit loadExit load of 0.0070% if redeemed within 1 day, 0.0065% if redeemed within 2 days, 0.0060% if redeemed within 3 days, 0.0055% if redeemed within 4 days, 0.0050% if redeemed within 5 days, 0.0045% if redeemed within 6 days.
Minimum SIP₹100 SIP
Return comparison
5th / 360 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +6.88% | — | — |
| 3M | +6.33% | — | — |
| 6M | +6.72% | — | — |
| 1Y | +6.63% | — | -3.10% |
| 3Y | +6.97% | — | -0.91% |
| 5Y | +6.51% | — | -1.97% |
| 10Y | +6.17% | — | — |
| Since Launch | +6.90% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
-18.42Return earned while limiting downside risk.
Negative
Negative means downside losses have outweighed the returns.
Standard deviation
0.19%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
29.87How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio105%
Debt104.77%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 224 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Reverse Repo | Unspecified | Reverse Repo | 8.9149% |
| GOVERNMENT OF INDIA 37423 091 DAYS TBILL 06AG26 FV RS 100 | Financial | Treasury Bills | 3.3635% |
| GOVERNMENT OF INDIA 36907 182 DAYS TBILL 09JL26 FV RS 100 | Financial | Treasury Bills | 2.6192% |
| GOVERNMENT OF INDIA 37435 091 DAYS TBILL 13AG26 FV RS 100 | Financial | Treasury Bills | 2.4564% |
| HDFC BANK LIMITED CD 11SEP26 | Financial | Certificate of Deposit | 2.2486% |
| CITY UNION BANK LIMITED CD 10SEP26 | Financial | Certificate of Deposit | 1.8594% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT 91D CP 11SEP26 | Financial | Commercial Paper | 1.5893% |
| 182 DAYS TREASURY BILL MD 23/07/2026 | Financial | Treasury Bills | 1.5653% |
| Bank of Baroda (14/08/2026) ** # | Financial | Certificate of Deposit | 1.5582% |
| UNION BANK OF INDIA CD 04SEP26 | Financial | Certificate of Deposit | 1.553% |
Fund management
SA
Sanjay Pawar
Since 2022 · He is associated with Aditya Birla Sun Life AMC Limited since 2005
Mr. Pawar has done M.Com
SU
Sunaina da Cunha
Since 2012 · Prior to joining Aditya Birla Sun Life Asset Management Company, she has worked with Aditya Birla Management Corporation Ltd.
Ms. Cunha is a B.Com (H) and MBA from FMS, Delhi.
KA
Kaustubh Gupta
Since 2012 · Prior to joining Aditya Birla Sun Life AMC he has worked with ICICI Bank.
Mr. Gupta is a B.Com and a Chartered Accountant.
Compare similar funds
No comparable category funds are available yet.
Summary
A moderate-risk debt scheme - liquid fund. Same fund manager for 14+ years — the strategy has not chopped and changed.
Strengths
- Same fund manager for 14+ years — the strategy has not chopped and changed.
- Ranks 5 of 360 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Suited for a few days to 3 months and emergency or idle cash.
Risk drivers
- None