HDFC Liquid Fund · Regular · Growth
NAV
₹5456.0312
as of 14 Jul 2026
Expense Ratio
0.31%
AUM
₹66,103 Cr
Lumpsum returns (CAGR)
- 1Y
- +6.24%
- 3Y
- +6.86%
- 5Y
- +6.12%
- Since Inception
- +6.98%
SIP returns (XIRR)
- 1Y
- +6.50%
- 3Y
- +6.70%
- 5Y
- +6.62%
- Since Inception
- +6.69%
Returns calculated from 30 August 2015 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 10 years (Jul 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,11,510 today — ₹6,00,000 invested, 6.0% XIRR.
₹6,00,000
Invested
₹8,11,510
Value today
6.0%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,78,738 today (6.0% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Jul 2016 would still hold ₹9,75,873.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Jul 2016 – Jul 2026) (22 Mar 2020) would be ₹1,40,985 today (1.41×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-11.88
Sharpe Ratio
—
Alpha
—
Beta
-11.68
Sortino
0.17%
Std Dev
-0.01%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 191 Days Tbill Isd 150426 Mat 160726^5.23%
- 291 Days Tbill Mat 2805264.44%
- 391 Days Tbill Isd 180326 Mat 1906263.79%
- 491 Days Tbill Isd 050226 Mat 0705262.74%
- 5Bank Of India^2.72%
- 6Bank Of Baroda2.72%
- 7Union Bank Of India^2.07%
- 8Punjab & Sind Bank^2.04%
- 9Axis Bank Ltd.^2.04%
- 10National Bank For Agri & Rural Dev.^2.04%
Investment Objective
HDFC Liquid Fund · Regular · Growth invests in money market instruments and debt securities with maturity up to 91 days. Liquid funds offer high liquidity, capital safety, and are commonly used for parking surplus cash or as emergency fund vehicles.
About This Fund
HDFC Liquid Fund · Regular · Growth is a Liquid mutual fund offered by HDFC Mutual Fund. The fund has been operational for over 25 years. It manages assets worth ₹66,103 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL Liquid Debt A-I Index. The current expense ratio is 0.31%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •Investors looking to park surplus cash for very short periods
- •SIP investors who can benefit from rupee cost averaging during market fluctuations