Sharpe ratio
-7.05Return earned for the risk taken.
Negative
Negative means the fund has not rewarded investors well for the risk taken recently.
+6.60%1Y Absolute Return
+0.04%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 |
|---|---|---|---|---|
| Groww Liquid Fund ( formerly known as Indiabulls Liquid )Fund - Direct Plan - Growth OptionFund 5Y annualised return | ₹8,54,443 | ₹7,32,612 | ₹1,21,831 | +6.38% |
| 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 code119135
ISININF666M01451
BenchmarkCRISIL Liquid Debt A-I Index
CategoryDebt Scheme - Liquid Fund
Expense ratio0.12%
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₹500 SIP
Return comparison
15th / 360 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +7.05% | — | — |
| 3M | +6.45% | — | — |
| 6M | +6.71% | — | — |
| 1Y | +6.60% | — | -3.10% |
| 3Y | +6.95% | — | -0.91% |
| 5Y | +6.38% | — | -1.97% |
| 10Y | +6.04% | — | — |
| Since Launch | +6.80% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
-19.55Return 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
27.65How 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
Portfolio100%
Debt82.23%
Cash17.77%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 15 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Reverse Repo | Unspecified | Reverse Repo | 17.032% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR II 7.44 BD 04SP26 FVRS1LAC | Financial | Debenture | 8.9583% |
| HDFC Bank Limited (25/08/2026) ** # | Financial | Certificate of Deposit | 8.8681% |
| CANARA BANK CD 15SEP26 | Financial | Certificate of Deposit | 8.8374% |
| PUNJAB NATIONAL BANK CD 15SEP26 | Financial | Certificate of Deposit | 8.8373% |
| ICICI Bank Limited (15/09/2026) | Financial | Certificate of Deposit | 8.8372% |
| UNION BANK OF INDIA CD 11SEP26 | Financial | Certificate of Deposit | 8.4896% |
| BAJAJ FINANCE LIMITED 91D CP 03SEP26 | Financial | Commercial Paper | 7.7859% |
| KOTAK MAHINDRA PRIME LIMITED 326D CP 07SEP26 | Financial | Commercial Paper | 7.0727% |
| AXIS BANK LIMITED CD 10SEP26 | Financial | Certificate of Deposit | 5.3058% |
Fund management
KA
Kaustubh Sule
Since 2023 · Prior to joining Groww Mutual Fund (formerly, Indiabulls Mutual Fund), he has worked with Axis Asset Management Company Ltd. HDFC Standard Life Insurance Company Ltd., Reliance Life Insurance Company Ltd., Union Bank of India, Hexaware Technologies Ltd.
Mr. Sule is a B.E. (Computer Engineering) & MBA (Finance)
WI
Wilfred Peter Gonsalves
Since 2026 · Prior to joining Groww Mutual Fund, he has worked with Edelweiss Tokio Life Insurance and L&T Finance
Mr. Gonsalves has done CA and B.Com
Compare similar funds
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Summary
A low to moderate-risk debt scheme - liquid fund. Ranks 15 of 360 in its category over 1 year.
Strengths
- Ranks 15 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