Sharpe ratio
0.24Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+6.53%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 |
|---|---|---|---|---|
| LIC MF Liquid Fund-Direct Plan-GrowthFund 5Y annualised return | ₹8,55,711 | ₹7,32,612 | ₹1,23,099 | +6.44% |
| 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₹1.49
₹1 Lakh since launch₹1.49 Lakh
Fund age13.9 yrs
Fund information
Scheme code120249
ISININF767K01DN1
BenchmarkCRISIL Liquid Debt A-I Index
CategoryDebt Scheme - Liquid Fund
Expense ratio0.13%
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₹200 SIP
Return comparison
35th / 360 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +6.78% | — | — |
| 3M | +6.25% | — | — |
| 6M | +6.61% | — | — |
| 1Y | +6.53% | — | -3.10% |
| 3Y | +6.90% | — | -0.91% |
| 5Y | +6.44% | — | -1.97% |
| 10Y | +6.12% | — | — |
| Since Launch | +48.89% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
11294.92Return earned while limiting downside risk.
Excellent
Excellent downside risk-adjusted returns. The fund has managed downside risk very effectively.
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
303.13How 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
Portfolio113%
Debt113.39%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 80 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 37435 091 DAYS TBILL 13AG26 FV RS 100 | Financial | Treasury Bills | 5.0004% |
| GOVERNMENT OF INDIA 37423 091 DAYS TBILL 06AG26 FV RS 100 | Financial | Treasury Bills | 4.4493% |
| RELIANCE RETAIL VENTURES LIMITED 91D CP 02SEP26 | Diversified | Commercial Paper | 3.6861% |
| NTPC LIMITED 91D CP 18SEP26 | Energy & Utilities | Commercial Paper | 3.6765% |
| MOTILAL OSWAL FINANCIAL SERVICES LIMITED 91D CP 17SEP26 | Financial | Commercial Paper | 3.6713% |
| TITAN COMPANY LIMITED 90D CP 10SEP26 | Consumer Discretionary | Commercial Paper | 2.7604% |
| GOVERNMENT OF INDIA 37391 091 DAYS TBILL 23JL26 FV RS 100 | Financial | Treasury Bills | 2.6532% |
| GOVERNMENT OF INDIA 37410 091 DAYS TBILL 30JL26 FV RS 100 | Financial | Treasury Bills | 2.5981% |
| HDFC BANK LIMITED CD 09SEP26 | Financial | Certificate of Deposit | 2.5773% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT 91D CP 08SEP26 | Financial | Commercial Paper | 2.5772% |
Fund management
AA
Aakash Parash Dhulia
Since 2025 · Prior to joining the LIC MF , he was associated with IndiaFirst Life Insurance Co Limited, STCI Primary Dealer Ltd, Almondz Global Securities Ltd.
PGDBM, Finance, NL Dalmia Institute of Management Studies and Research, Mumbai ,BE (Computer Science), Rajiv Gandhi Institute of Technology, Mumbai
RA
Rahul Singh
Since 2015 · Prior to joining LIC Nomura Mutual Fund , he has worked with BOI AXA Investment Managers(August 2009-August 2015) , ING Investment Management (May 2008- August 2009) Standard Chartered Bank (intern)( April 2007- May 2007) and Ashika Capital ( Jan 2004 - April 2006).
Mr. Singh is a B.Sc Economic Hons.and holds a PGDM from IIM-A.
Compare similar funds
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Summary
A moderate-risk debt scheme - liquid fund. Turned every ₹1 into ₹249.9 since launch — compounding at 48.9% a year.
Strengths
- Turned every ₹1 into ₹249.9 since launch — compounding at 48.9% a year.
- NAV has been stable for its category — worst fall -0.16% with 0.2% volatility.
- Same fund manager for 11+ years — the strategy has not chopped and changed.
- Ranks 35 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