Sharpe ratio
-4.94Return earned for the risk taken.
Negative
Negative means the fund has not rewarded investors well for the risk taken recently.
+6.51%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 |
|---|---|---|---|---|
| TRUSTMF Liquid Fund-Direct Plan-GrowthFund 5Y annualised return | ₹8,55,076 | ₹7,32,612 | ₹1,22,464 | +6.41% |
| 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 age5.6 yrs
Fund information
Scheme code148841
ISININF0GCD01255
BenchmarkCRISIL Liquid Debt A-I Index
CategoryDebt Scheme - Liquid Fund
Expense ratio0.10%
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
48th / 360 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +6.75% | — | — |
| 3M | +6.31% | — | — |
| 6M | +6.62% | — | — |
| 1Y | +6.51% | — | -3.10% |
| 3Y | +6.85% | — | -0.91% |
| 5Y | +6.41% | — | -1.97% |
| Since Launch | +6.09% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
-8.48Return earned while limiting downside risk.
Negative
Negative means downside losses have outweighed the returns.
Standard deviation
0.21%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
12.47How 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
Portfolio114%
Debt114.32%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 32 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| INFINA FINANCE PRIVATE LIMITED 91D CP 23JUL26 | Financial | Commercial Paper | 6.58% |
| BANK OF BARODA CD 24AUG26 | Financial | Certificate of Deposit | 6.55% |
| 91 DAYS T-BILL - 24SEP2026 | Financial | Treasury Bills | 6.53% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA 91D CP 11SEP26 | Financial | Commercial Paper | 6.53% |
| UNION BANK OF INDIA CD 24SEP26 | Financial | Certificate of Deposit | 6.52% |
| KOTAK SECURITIES LTD 91D CP 24SEP26 | Financial | Commercial Paper | 6.51% |
| GOVERNMENT OF INDIA 37176 182 DAYS TBILL 03SP26 FV RS 100 | Financial | Treasury Bills | 5.9% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR II 7.44 BD 04SP26 FVRS1LAC | Financial | Debenture | 3.31% |
| GOVERNMENT OF INDIA 36212 364 DAYS TBILL 16JL26 FV RS 100 | Financial | Treasury Bills | 3.3% |
| ADITYA BIRLA MONEY LIMITED 91D CP 10JUL26 | Financial | Commercial Paper | 3.3% |
Fund management
JA
Jalpan Shah
Since 2024 · Prior to joining Trust Mutual Fund,he was associated with HSBC Mutual Fund, L&T Mutual Fund, FIL Fund Management Private Limited (Dec 2007-Nov 2012), Lotus India Asset Management Company Private Limited (Sep 2007-Nov 2007) as a Research Analyst, UTI Asset Management Company Private Limited (July 2006-Aug 2007) as a Research Analyst and UTI Asset Management Company Private Limited(May 2004-June 2006) as a Sales & Marketing Manager.
Mr. Shah is a B.E. (Mechanical) and holds a PGDM.
SH
Shradhanjali Panda
Since 2025 · Prior to joining the Trust MF, she was associated with TRUST Group, Value creator with Hexagon Global IT Services Private Ltd, Aditya Birla Sun Life Asset Management Company Private Ltd.
MBA
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Summary
A low to moderate-risk debt scheme - liquid fund. Ranks 48 of 360 in its category over 1 year.
Strengths
- Ranks 48 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