# Sundaram Liquid Fund

Sundaram Asset Management Company Ltd · Liquid · Regular plan, Growth

Full page with charts: https://discovermf.com/funds/sundaram-liquid-fund-149661
Figures as of 3 Nov 2026, from DiscoverMF. Information, not investment advice. Past returns do not indicate future returns. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.

## In short

- **What it invests in:** Parking money for days or weeks. Its latest portfolio: 96% bonds and money market and 4% cash.
- **₹10,000 a month:** For the last 3 years: ₹3.6 lakh put in, worth ₹3.97 lakh on 3 Nov 2026.
- **Next to similar funds:** Over the last 3 years it earned 6.7% a year; similar funds earned 6.7% a year on average.
- **How bumpy:** Moderate: some ups and downs. It made money in 100 of every 100 one-year stretches.
- **Expense ratio:** 0.36% a year. Similar funds: 0.26% on average.
- **Fees and minimums:** A SIP from ₹1,000 a month. A fee may apply if you sell soon after buying; the full terms are under Cost.

Past returns do not tell you future returns.

## Key facts

- **NAV:** ₹2,495.95 on 3 Nov 2026
- **Fund size:** ₹7,389 cr (2 Nov 2026)
- **Expense ratio:** 0.36% a year (typical in its category 0.26%)
- **Riskometer:** Moderate
- **Benchmark:** NIFTY Liquid Index A-I
- **Category:** [Liquid](https://discovermf.com/categories/liquid.md)
- **Fund house:** [Sundaram Asset Management Company Ltd](https://discovermf.com/fund-houses/sundaram)
- **Launched:** 3 Oct 2000 (prices here start 1 Jan 2022)
- **Exit load:** Exit Load: Day 1 - 0.0070%, Day 2 - 0.0065%, Day 3 - 0.0060%, Day 4 - 0.0055%, Day 5 - 0.0050%, Day 6 - 0.0045%, Day 7 onwards - 0.0000%
- **Minimum investment:** ₹1,000 to start, ₹1,000 a month by SIP
- **AMFI scheme code:** 149661

## Returns

| Period | Fund | Category average | Benchmark | Rank in category |
| --- | --- | --- | --- | --- |
| 1 month | +0.4% | — | — | — |
| 3 months | +1.4% | — | — | — |
| 6 months | +3.1% | — | — | — |
| 1 year | +6.3% | +6.2% | +6.4% | 23 of 39 |
| 3 years (a year) | +6.7% | +6.7% | +6.8% | 22 of 36 |
| 5 years (a year) | — | +6.2% | +6.4% | — |
| Since 1 Jan 2022 (a year) | +6.4% | — | — | — |

### Calendar years

| Year | Fund | Benchmark |
| --- | --- | --- |
| 2026 | +5.4% | — |
| 2025 | +6.4% | — |
| 2024 | +7.3% | — |
| 2023 | +7.0% | — |

### A ₹10,000 monthly SIP

On the first price of each month, valued at the NAV of 3 Nov 2026.

| Started | Put in | Worth | Yearly return (XIRR) |
| --- | --- | --- | --- |
| 3 years ago | ₹3.6 lakh | ₹3.97 lakh | +6.5% |

## Risk

| Measure | Fund | Category average |
| --- | --- | --- |
| Volatility, last year | 0.2% | 0.2% |
| Worst fall, last year | -0.0% | — |
| Worst fall, last 3 years | -0.0% | — |
| Sharpe ratio, 3 years | 4.93 | — |
| Sortino ratio, 3 years | 7.67 | — |
| Beta, 3 years | — | — |
| Alpha, 3 years | — | — |

## Portfolio, September 2026

62 holdings. Debt 96.4%, Cash and equivalents 3.6%.

### Largest holdings

| Holding | Sector or type | Weight |
| --- | --- | --- |
| 91 Days - T Bill - 05/11/2026 | Money_market | 5.62% |
| Export Import Bank of India - 04/11/2026 | Money_market | 4.43% |
| Bank of India - 03/12/2026 | Money_market | 4.41% |
| Central Bank of India - 04/12/2026 | Money_market | 4.41% |
| TREPS | Cash | 3.77% |
| 91 Days - T Bill - 22/10/2026 | Money_market | 3.41% |
| REC LTD - 23/11/2026 | Money_market | 2.95% |
| Tata Capital Housing Finance Ltd - 23/11/2026 | Money_market | 2.95% |
| Canara Bank - 03/12/2026 | Money_market | 2.94% |
| Hindustan Petroleum Corporation Ltd - 03/12/2026 | Money_market | 2.94% |

## Managers

- [Sandeep Agarwal](https://discovermf.com/fund-managers/sandeep-agarwal)
- [Kumaresh Ramakrishnan](https://discovermf.com/fund-managers/kumaresh-ramakrishnan)
- [Ronak Shah](https://discovermf.com/fund-managers/ronak-shah)

## Objective

To provide a level of income consistent with the preservation of
capital and lower level of risk, through investments made
primarily in money market and debt securities with maturity of
up to 91 days only. The aim is to optimize returns while providing
high level of security