Sharpe ratio
-10.07Return earned for the risk taken.
Negative
Negative means the fund has not rewarded investors well for the risk taken recently.
+6.59%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 |
|---|---|---|---|---|
| PGIM India Liquid Fund - Direct Plan - GrowthFund 5Y annualised return | ₹8,56,769 | ₹7,32,612 | ₹1,24,157 | +6.49% |
| 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₹1.06
₹1 Lakh since launch₹1.06 Lakh
Fund age10.7 yrs
Fund information
Scheme code138299
ISININF223J01NS5
BenchmarkCRISIL Liquid Debt A-I Index
CategoryDebt Scheme - Liquid Fund
Expense ratio0.11%
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₹1,000 SIP
Return comparison
17th / 360 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +6.94% | — | — |
| 3M | +6.32% | — | — |
| 6M | +6.71% | — | — |
| 1Y | +6.59% | — | -3.10% |
| 3Y | +6.94% | — | -0.91% |
| 5Y | +6.49% | — | -1.97% |
| 10Y | +6.16% | — | — |
| Since Launch | +6.27% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
-53.63Return earned while limiting downside risk.
Negative
Negative means downside losses have outweighed the returns.
Standard deviation
0.17%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
42.89How 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%
Debt104.85%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 31 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| BAJAJ HOUSING FINANCE LIMITED 7.98 NCD 09SP26 FVRS1LAC | Financial | Debenture | 7.36% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR II 7.44 BD 04SP26 FVRS1LAC | Financial | Debenture | 6.69% |
| INDIAN BANK CD 07SEP26 | Financial | Certificate of Deposit | 6.61% |
| 7.48% Housing and Urban Development Corporation Ltd. 20-Aug-2026 | Financial | Debenture | 6.28% |
| 91 Days Tbill (MD 17/09/2026) | Financial | Treasury Bills | 5.95% |
| ADITYA BIRLA MONEY LIMITED 91D CP 08SEP26 | Financial | Commercial Paper | 5.28% |
| GOVERNMENT OF INDIA 37391 091 DAYS TBILL 23JL26 FV RS 100 | Financial | Treasury Bills | 4.66% |
| ICICI SECURITIES LIMITED 91D CP 09SEP26 | Financial | Commercial Paper | 4.62% |
| GOVERNMENT OF INDIA 37448 091 DAYS TBILL 20AG26 FV RS 100 | Financial | Treasury Bills | 3.58% |
| REC LIMITED SR 234-A 7.70 BD 31AG26 FVRS1LAC | Financial | Debenture | 3.34% |
Fund management
PU
Puneet Pal
Since 2022 · Prior to joining PGIM India Mutual Fund, he has worked with BNP Paribas AMC as Head Fixed Income, UTI AMC as Sr. Vice President & Fund Manager & TATA AMC as Fund Manager.
Mr. Pal is a B.Com (H) and MBA from SIBM Pune.
AK
Akhil Dhar
Since 2026 · Prior to joining the PGIM MF, he was associated with IndusInd Bank Ltd, CARE Rating Ltd, India Ratings and Research Private Ltd.
PGDBM (Finance) and B.E (Electrical)
Compare similar funds
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Summary
A low to moderate-risk debt scheme - liquid fund. NAV has been stable for its category — worst fall -0.15% with 0.2% volatility.
Strengths
- NAV has been stable for its category — worst fall -0.15% with 0.2% volatility.
- Ranks 17 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