Aditya Birla Sun Life Liquid Fund

Q: What are the returns of this mutual fund scheme?

The Aditya Birla Sun Life Liquid Fund is a 21 yrs 7 m old fund and has delivered average annual returns of 6.97% since inception. Aditya Birla Sun Life Liquid Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 6.67% 7.0% 5.67% 6.19% 6.97%

NAV as of Oct 22, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹428.2412+0.02% 1 day change	6.97% p.a.	App exclusive #NA View Ranked Funds	₹49,803 Cr

Historical NAV & returns

NAV: ₹428.2412 as on Oct 22, 2025

This fund Category average

Aditya Birla Sun Life Liquid Fund overview

AUM (Fund size)	₹49,803 Cr
Exit load	0.007% Exit 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.!
Lock-in Period	Nil
Age	21 yrs 7 m since Mar 26, 2004
Benchmark	NIFTY Liquid Index A-I
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	0.35% as on Sep 30, 2025
Plan type	Regular
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Aditya Birla Sun Life Liquid Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Oct 26, 2025

Period	This fund	Category average
1 Month	0.45%	0.44%
3 Months	1.38%	1.36%
6 Months	2.93%	2.9%
1 Year	6.67%	6.58%
2 Years	7.03%	6.94%
3 Years	7.0%	6.91%
4 Years	6.31%	6.23%
5 Years	5.67%	5.61%
7 Years	5.74%	5.65%
10 Years	6.19%	6.11%

Asset allocationas on Sep 30, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

A1+ 90.93355809%

SOV 19.97787554%

AAA 4.73547676%

Others 0.27485882%

Top Debt Holdings

Reserve Bank of India 19.03%

HDFC Bank Ltd. 7.79%

Punjab & Sind Bank 5.26%

Indusind Bank Ltd. 4.24%

Allocation by Instruments

Commercial Paper 45.89976716000001%

Certificate of Deposit 45.03379093%

Treasury Bills 19.03548282%

Debenture 3.8834192300000003%

Other Holdings

Others 3.66%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Aditya Birla Sun Life Liquid Fund	0.45%	2.93%	6.67%	7.0%	5.67%	6.19%
Canara Robeco Liquid Fund	0.45%	2.93%	6.69%	7.02%	5.68%	6.06%
Bank of India Liquid Fund	0.45%	2.97%	6.72%	7.05%	5.72%	6.17%
Mirae Asset Liquid Fund	0.44%	2.94%	6.65%	6.98%	5.68%	6.09%
JM Liquid Fund	0.44%	2.9%	6.57%	6.9%	5.62%	6.14%
Navi Liquid Fund	0.41%	2.79%	6.25%	6.64%	5.54%	6.04%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Aditya Birla Sun Life Liquid Fund	0.17	0.35	2.89	4.18
Canara Robeco Liquid Fund	0.17	0.34	3.07	4.13
Bank of India Liquid Fund	0.16	0.34	3.38	4.24
Mirae Asset Liquid Fund	0.17	0.33	2.82	3.92
JM Liquid Fund	0.15	0.29	2.7	3.53
Navi Liquid Fund	0.15	0.23	1.1	1.45

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Aditya Birla Sun Life Liquid Fund	N.A.	49,803 Cr	21 yrs 7 m	0.35%
Canara Robeco Liquid Fund	N.A.	6,399 Cr	17 yrs 3 m	0.21%
Bank of India Liquid Fund	N.A.	1,360 Cr	17 yrs 3 m	0.14%
Mirae Asset Liquid Fund	N.A.	11,368 Cr	16 yrs 9 m	0.19%
JM Liquid Fund	N.A.	1,621 Cr	27 yrs 10 m	0.26%
Navi Liquid Fund	N.A.	62 Cr	15 yrs 8 m	0.2%

View all Liquid funds

Key risk & return ratios Compared to other funds in the category

Alpha	1.13 vs. 2.9 Underperformed at beating benchmark
Sharpe	2.89 vs. 2.94 Poor risk-adjusted returns
Beta	0.35 vs. 1.55 Less sensitive to market ups & downs
Standard deviation	0.17 vs. 0.15 More volatile performance

Compare Aditya Birla Sun Life Liquid Fund in detail with

About this fund

About Aditya Birla Sun Life Liquid Fund

Aditya Birla Sun Life Liquid Fund is a Liquid mutual fund scheme from Aditya Birla Sun Life Mutual Fund. This fund has been in existence for 21 yrs 7 m, having been launched on 26/03/2004. Aditya Birla Sun Life Liquid Fund has ₹49,803 Crores worth of assets under management (AUM) as on 30/09/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Aditya Birla Sun Life Liquid Fund as of 22/10/2025 is ₹428.24. The fund has an expense ratio of 0.35%, which is higher than what most other Liquid funds charge.

Aditya Birla Sun Life Liquid Fund returns of last 1-year are 6.73%. Since launch, it has delivered 6.97% average annual returns. The fund has doubled the money invested in it every 12 yrs.
Aditya Birla Sun Life Liquid Fund scheme's ability to deliver returns consistently is higher than most funds of its category. Its ability to control losses in a falling market is high.
The fund's credit profile is very high indicating it has lent to borrowers whose quality is excellent. Most funds in this category lend to similar borrowers and hence the risk of default in this fund is same as the category.
The fund's top holdings are in Reserve Bank of India, HDFC Bank Ltd., Punjab & Sind Bank, Indusind Bank Ltd., Tata Steel Ltd..

...

Fund AUM	49,803 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Sunaina da Cunha

Ms. Cunha is a B.Com (H) and MBA from FMS, Delhi. Prior to joining Aditya Birla Sun Life Asset Management Company, she has worked with Aditya Birla Management Corporation Ltd.

Sanjay Pawar

Mr. Pawar has done M.Com He is associated with Aditya Birla Sun Life AMC Limited since 2005

Kaustubh Gupta

Mr. Gupta is a B.Com and a Chartered Accountant. Prior to joining Aditya Birla Sun Life AMC he has worked with ICICI Bank.

Investment objective

The scheme seeks to provide high liquidity and safety with reasonable returns through investments in debt and money market instruments.

Aditya Birla Sun Life Mutual Fund details

No. of schemes	89 view all schemes
Total AUM	4,28,066 Cr as on Sep 30, 2025
Address	One World Center, Tower 1, 17th Floor, Jupiter Mill Compound Senapati Bapat Marg, Elphinstone Road Mumbai, 400013

More funds from Aditya Birla Sun Life Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
Aditya Birla Sun Life Credit Risk Fund	N.A.	1,053 Cr	13.44%	10.77%
Aditya Birla Sun Life Medium Term Fund	N.A.	2,734 Cr	11.28%	9.6%
Aditya Birla Sun Life CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund	N.A.	361 Cr	8.33%	8.15%
Aditya Birla Sun Life Long Duration Fund	N.A.	159 Cr	5.93%	8.13%
Aditya Birla Sun Life Corporate Bond Fund	N.A.	27,069 Cr	7.9%	7.92%
Aditya Birla Sun Life Dynamic Bond Fund	N.A.	1,918 Cr	7.78%	7.85%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Aditya Birla Sun Life Liquid Fund?

The current Net Asset Value (NAV) of the Aditya Birla Sun Life Liquid Fund plan is approximately ₹428.2412 as of Oct 22, 2025.

What are the returns of this mutual fund scheme?

The Aditya Birla Sun Life Liquid Fund is a 21 yrs 7 m old fund and has delivered average annual returns of 6.97% since inception.

Aditya Birla Sun Life Liquid Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
6.67%	7.0%	5.67%	6.19%	6.97%

How much does this mutual fund charge as expense ratio?

The Aditya Birla Sun Life Liquid Fund has an expense ratio of 0.35%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The Aditya Birla Sun Life Liquid Fund currently has assets under management (AUM) or fund size valued at approximately 49,803 Cr as on Sep 30, 2025.

To whom does Aditya Birla Sun Life Liquid Fund lend to?

The top 3 debt holdings of Aditya Birla Sun Life Liquid Fund are as follows

Holding Name	Percentage of Portfolio
Reserve Bank of India	19.03%
HDFC Bank Ltd.	7.79%
Punjab & Sind Bank	5.26%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Aditya Birla Sun Life Liquid Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
A1+	90.93355809%
SOV	19.97787554%
AAA	4.73547676%

What is risk level of Aditya Birla Sun Life Liquid Fund?

This is a Liquid fund comes with Moderate risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How can I redeem my investments in Aditya Birla Sun Life Liquid Fund?

Redeeming your investments in the Aditya Birla Sun Life Liquid Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Liquid

#NA

Return Consistency: This fund is one of the best in generating consistent return in it's category.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit 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.