LIC MF Liquid Fund

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

The LIC MF Liquid Fund is a 23 yrs 10 m old fund and has delivered average annual returns of 6.85% since inception. LIC MF Liquid Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 6.26% 6.88% 5.78% 6.07% 6.85%

Q: How much does this mutual fund charge as expense ratio?

The LIC MF Liquid Fund has an expense ratio of 0.2% , 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.

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹4879.969+0.03% 1 day change	6.85% p.a.	App exclusive #NA View Ranked Funds	₹12,672 Cr

Historical NAV & returns

NAV: ₹4879.969 as on Feb 02, 2026

This fund Category average

LIC MF Liquid Fund overview

AUM (Fund size)	₹12,672 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	23 yrs 10 m since Mar 11, 2002
Benchmark	CRISIL Liquid Debt A-I Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	0.2% as on Feb 02, 2026
Plan type	Regular
Risk	Low to Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

LIC MF 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 Feb 03, 2026

Period	This fund	Category average
1 Month	0.44%	0.44%
3 Months	1.41%	1.27%
6 Months	2.84%	2.69%
1 Year	6.26%	6.09%
2 Years	6.8%	6.65%
3 Years	6.88%	6.76%
4 Years	6.41%	6.32%
5 Years	5.78%	5.69%
7 Years	5.61%	5.49%
10 Years	6.07%	6.12%

Asset allocationas on Dec 31, 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+ 79.54121409%

SOV 19.50909942%

AAA 2.35318529%

Others 0.23418379%

Top Debt Holdings

Reserve Bank of India 19.43%

Punjab National Bank 8.97%

HDFC Bank Ltd. 7.03%

Bank Of Baroda 5.87%

Allocation by Instruments

Certificate of Deposit 46.52305113%

Commercial Paper 33.01816296%

Treasury Bills 19.42706526%

Debenture 2.09994166%

Other Holdings

Others 0.23%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
LIC MF Liquid Fund	0.44%	2.84%	6.26%	6.88%	5.78%	6.07%
Canara Robeco Liquid Fund	0.42%	2.85%	6.35%	6.94%	5.84%	6.01%
Mirae Asset Liquid Fund	0.42%	2.85%	6.3%	6.91%	5.83%	6.06%
Bank of India Liquid Fund	0.45%	2.9%	6.4%	6.99%	5.89%	6.12%
Mahindra Manulife Liquid Fund	0.43%	2.87%	6.32%	6.93%	5.85%	5.8%
JM Liquid Fund	0.43%	2.82%	6.24%	6.83%	5.78%	6.09%

Fund name	Std. deviation	Beta	Sharpe	Sortino
LIC MF Liquid Fund	0.2	0.21	2.65	4.12
Canara Robeco Liquid Fund	0.2	0.24	2.89	4.16
Mirae Asset Liquid Fund	0.2	0.23	2.79	4.37
Bank of India Liquid Fund	0.19	0.21	3.36	5.0
Mahindra Manulife Liquid Fund	0.19	0.22	3.05	4.5
JM Liquid Fund	0.18	0.21	2.66	3.59

Fund name	ETM Rank	AUM	Fund age	Expense ratio
LIC MF Liquid Fund	N.A.	12,672 Cr	23 yrs 10 m	0.2%
Canara Robeco Liquid Fund	N.A.	5,149 Cr	17 yrs 6 m	0.15%
Mirae Asset Liquid Fund	N.A.	15,757 Cr	17 yrs	0.19%
Bank of India Liquid Fund	N.A.	1,107 Cr	17 yrs 6 m	0.14%
Mahindra Manulife Liquid Fund	N.A.	1,216 Cr	9 yrs 6 m	0.26%
JM Liquid Fund	N.A.	2,285 Cr	28 yrs 1 m	0.26%

View all Liquid funds

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

Alpha	0.9 vs. 2.81 Underperformed at beating benchmark
Sharpe	2.65 vs. 2.63 Better risk-adjusted return
Beta	0.21 vs. 1.66 Less sensitive to market ups & downs
Standard deviation	0.2 vs. 0.16 More volatile performance

Compare LIC MF Liquid Fund in detail with

About this fund

About LIC MF Liquid Fund

LIC MF Liquid Fund is a Liquid mutual fund scheme from Lic Mutual Fund. This fund has been in existence for 23 yrs 10 m, having been launched on 11/03/2002. LIC MF Liquid Fund has ₹12,672 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of LIC MF Liquid Fund as of 02/02/2026 is ₹4879.97. The fund has an expense ratio of 0.2%, which is close to what most other Liquid funds charge.

LIC MF Liquid Fund returns of last 1-year are 6.28%. Since launch, it has delivered 6.89% average annual returns. The fund has doubled the money invested in it every 12 yrs.
LIC MF Liquid Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is average.
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 better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in Reserve Bank of India, Punjab National Bank, HDFC Bank Ltd., Bank Of Baroda, Motilal Oswal Financial Services Ltd..

...

Fund AUM	12,672 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

Fund managers

Rahul Singh

Mr. Singh is a B.Sc Economic Hons.and holds a PGDM from IIM-A. Prior to joining LIC Nomura Mutual Fund , he has worked with BOI AXA Investment Managers(August 2009-August 2015) , ING Investment Management (May 2008- August 2009) Standard Chartered Bank (intern)( April 2007- May 2007) and Ashika Capital ( Jan 2004 - April 2006).

Investment objective

The fund seeks to generate reasonable return with low risk and high liquidity from a portfolio of debt and money market instruments.

LIC Mutual Fund details

No. of schemes	32 view all schemes
Total AUM	44,894 Cr as on Dec 31, 2025
Address	Industrial Assurance Building Ground Floor, Opp. Churchgate Station Mumbai, 400020
Email	br.mumbai@licmf.com
Phone	022-66016177 / 022-66016178

More funds from LIC Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
LIC MF Banking & PSU Fund	N.A.	1,873 Cr	6.54%	7.01%
LIC MF Medium to Long Duration Fund	N.A.	199 Cr	4.94%	6.85%
LIC MF Low Duration Fund	N.A.	1,938 Cr	6.42%	6.71%
LIC MF Short Duration Fund	N.A.	264 Cr	6.31%	6.66%
LIC MF Ultra Short Duration Fund	N.A.	220 Cr	6.1%	6.32%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of LIC MF Liquid Fund?

The current Net Asset Value (NAV) of the LIC MF Liquid Fund plan is approximately ₹4879.969 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The LIC MF Liquid Fund is a 23 yrs 10 m old fund and has delivered average annual returns of 6.85% since inception.

LIC MF Liquid Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
6.26%	6.88%	5.78%	6.07%	6.85%

How much does this mutual fund charge as expense ratio?

The LIC MF Liquid Fund has an expense ratio of 0.2%, 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 LIC MF Liquid Fund currently has assets under management (AUM) or fund size valued at approximately 12,672 Cr as on Dec 31, 2025.

To whom does LIC MF Liquid Fund lend to?

The top 3 debt holdings of LIC MF Liquid Fund are as follows

Holding Name	Percentage of Portfolio
Reserve Bank of India	19.43%
Punjab National Bank	8.97%
HDFC Bank Ltd.	7.03%

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 LIC MF Liquid Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
A1+	79.54121409%
SOV	19.50909942%
AAA	2.35318529%

What is risk level of LIC MF Liquid Fund?

This is a Liquid fund comes with Low to 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 LIC MF Liquid Fund?

Redeeming your investments in the LIC MF 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/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.