Sharpe ratio
0.24Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+5.83%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 |
|---|---|---|---|---|
| Navi Liquid Fund-Direct Plan-Growth OptionFund 5Y annualised return | ₹2,51,828 | ₹7,32,612 | ₹-4,80,784 | -57.77% |
| 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 code119164
ISININF959L01GF1
BenchmarkCRISIL Liquid Debt A-I Index
CategoryDebt Scheme - Liquid Fund
Expense ratio0.17%
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
110th / 360 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +6.36% | — | — |
| 3M | +5.66% | — | — |
| 6M | +5.89% | — | — |
| 1Y | +5.83% | — | -3.10% |
| 3Y | +6.36% | — | -0.91% |
| 5Y | -57.77% | — | -1.97% |
| 10Y | -33.19% | — | — |
| Since Launch | +6.71% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
24.21Return earned while limiting downside risk.
Excellent
Excellent downside risk-adjusted returns. The fund has managed downside risk very effectively.
Standard deviation
0.13%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
0.07How well the fund rewarded investors relative to its biggest decline.
Low
Returns have been modest compared to the drawdowns experienced.
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%
Debt93.23%
Cash6.77%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 16 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 36212 364 DAYS TBILL 16JL26 FV RS 100 | Financial | Treasury Bills | 13.36% |
| HDFC BANK LIMITED CD 05AUG26 | Financial | Certificate of Deposit | 8.65% |
| Cash/Net Current Assets | Unspecified | Cash/Net Current Assets | 6.77% |
| CENTRAL GOVERNMENT LOAN 12005 GOI 09JL26 8.33 FV RS 100 | Entities | Central Government Loan | 6.7% |
| LIC Housing Finance Ltd Bonds 8.43 10/07/2026 | Financial | Bonds | 6.7% |
| GOVERNMENT OF INDIA 37410 091 DAYS TBILL 30JL26 FV RS 100 | Financial | Treasury Bills | 6.67% |
| HDFC SECURITIES LIMITED 91D CP 05AUG26 | Financial | Commercial Paper | 6.65% |
| GOVERNMENT OF INDIA 37456 091 DAYS TBILL 28AG26 FV RS 100 | Financial | Treasury Bills | 6.64% |
| CHOLAMANDALAM SECURITIES LIMITED 91D CP 11SEP26 | Financial | Commercial Paper | 6.6% |
| GODREJ PROPERTIES LIMITED SR A 8.15 LOA 03JL26 FVRS1LAC | Real Estate | Non Convertible Debenture | 6.02% |
Fund management
TA
Tanmay Sethi
Since 2024 · Prior to joining Navi Mutual Fund, he has worked with HDFC Mutual Fund
Mr. Sethi has done B.Com and CA
Compare similar funds
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Summary
A low to moderate-risk debt scheme - liquid fund. Trailing its category average over 5Y by 55.8 points.
Strengths
- None
Weaknesses
- Trailing its category average over 5Y by 55.8 points.
- Worst fall of -99.00% is larger than this category should typically see.
Ideal investor
- Suited for a few days to 3 months and emergency or idle cash.
Risk drivers
- None