LIC MF Liquid Fund Regular-Growth

Q: What are the returns of LIC MF Liquid Fund?

The LIC MF Liquid Fund is a 23 yrs 5 m old fund and has delivered average annual returns of 6.87% since inception. LIC MF Liquid Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 6.82% 6.94% 5.55% 6.16% 6.87%

NAV as of Sep 03, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹4767.0296+0.02% 1 day change	6.87% p.a.	App exclusive #NA View Ranked Funds	₹9,367 Cr

Historical NAV & returns

NAV: ₹4767.0296 as on Sep 03, 2025

This fund Category average

LIC MF Liquid Fund overview

Expense ratio	0.3% as on Aug 31, 2025
Plan type	Regular
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.!
AUM (Fund size)	₹9,367 Cr
Lock-in Period	Nil
Age	23 yrs 5 m since Mar 11, 2002
Benchmark	CRISIL Liquid Debt A-I Index
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
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 Sep 04, 2025

Period	This fund	Category average
1 Month	0.44%	0.45%
3 Months	1.42%	1.43%
6 Months	3.24%	3.24%
1 Year	6.82%	6.81%
2 Years	7.09%	7.03%
3 Years	6.94%	6.9%
4 Years	6.15%	6.14%
5 Years	5.55%	5.54%
7 Years	5.71%	5.67%
10 Years	6.16%	6.14%

Asset allocationas on Mar 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+ 87.25391708%

SOV 27.82795334%

AAA 3.95677968%

Others 0.29982447%

Top Debt Holdings

Reserve Bank of India 15.48%

Reliance Retail Ventures Ltd. 8.0%

Bank Of Baroda 4.87%

National Bank For Agriculture & Rural Development 4.25%

Allocation by Instruments

Bifurcation by Instrument is not available for this fund

Other Holdings

Others 3.79%

Detailed portfolio analysis

Peer comparison

Fund name	ETM Rank	AUM	Fund age	Expense ratio
LIC MF Liquid Fund	N.A.	9,367 Cr	23 yrs 5 m	0.3%
Mirae Asset Liquid Fund	N.A.	14,285 Cr	16 yrs 8 m	0.19%
Mahindra Manulife Liquid Fund	N.A.	1,198 Cr	9 yrs 2 m	0.26%
Sundaram Liquid Fund	N.A.	6,288 Cr	21 yrs	0.32%
JM Liquid Fund	N.A.	2,196 Cr	27 yrs 8 m	0.26%
Quant Liquid Fund	N.A.	1,679 Cr	19 yrs 11 m	0.52%

Fund name	1M	6M	1Y	3Y	5Y	10Y
LIC MF Liquid Fund	0.44%	3.24%	6.82%	6.94%	5.55%	6.16%
Mirae Asset Liquid Fund	0.45%	3.28%	6.88%	6.98%	5.61%	6.11%
Mahindra Manulife Liquid Fund	0.45%	3.27%	6.88%	7.0%	5.62%	5.55%
Sundaram Liquid Fund	0.45%	3.26%	6.82%	6.94%	5.58%	6.08%
JM Liquid Fund	0.45%	3.23%	6.8%	6.9%	5.56%	6.18%
Quant Liquid Fund	0.44%	3.13%	6.71%	6.7%	5.67%	6.34%

Fund name	Std. deviation	Beta	Sharpe	Sortino
LIC MF Liquid Fund	0.18	0.36	2.21	2.85
Mirae Asset Liquid Fund	0.18	0.37	2.45	3.07
Mahindra Manulife Liquid Fund	0.17	0.34	2.73	3.23
Sundaram Liquid Fund	0.18	0.35	2.28	3.04
JM Liquid Fund	0.16	0.33	2.34	2.77
Quant Liquid Fund	0.17	0.32	1.07	1.38

View all Liquid funds

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

Alpha	1.07 vs. 2.92 Underperformed at beating benchmark
Sharpe	2.21 vs. 2.73 Poor risk-adjusted returns
Beta	0.36 vs. 0.85 Less sensitive to market ups & downs
Standard deviation	0.18 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 Regular-Growth is a Liquid mutual fund scheme from Lic Mutual Fund. This fund has been in existence for 23 yrs 5 m, having been launched on 11/03/2002. LIC MF Liquid Fund Regular-Growth has ₹9,367 Crores worth of assets under management (AUM) as on 31/03/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of LIC MF Liquid Fund Regular-Growth as of 03/09/2025 is ₹4767.03. The fund has an expense ratio of 0.3%, which is higher than what most other Liquid funds charge.

LIC MF Liquid Fund Regular-Growth returns of last 1-year are 6.84%. Since launch, it has delivered 6.91% average annual returns. The fund has doubled the money invested in it every 12 yrs.
LIC MF Liquid Fund Regular-Growth 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 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, Reliance Retail Ventures Ltd., Bank Of Baroda, National Bank For Agriculture & Rural Development, Birla Group Holdings Pvt. Ltd..

...

Fund AUM	9,367 Cr as on Mar 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	30 view all schemes
Total AUM	38,854 Cr as on Jun 30, 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.	1,702 Cr	7.93%	7.03%
LIC MF Medium to Long Duration Fund	N.A.	191 Cr	6.61%	6.99%
LIC MF Low Duration Fund	N.A.	1,450 Cr	7.27%	6.74%
LIC MF Short Duration Fund	N.A.	111 Cr	7.49%	6.66%
LIC MF Ultra Short Duration Fund	N.A.	307 Cr	6.83%	6.41%

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 - Direct Growth plan is approximately ₹4767.0296 as of Sep 03, 2025.

What are the returns of this mutual fund scheme?

The LIC MF Liquid Fund is a 23 yrs 5 m old fund and has delivered average annual returns of 6.87% since inception.

LIC MF Liquid Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
6.82%	6.94%	5.55%	6.16%	6.87%

How much does this mutual fund charge as expense ratio?

The LIC MF Liquid Fund - Direct Growth has an expense ratio of 0.3%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

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 9,367 Cr as on Mar 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	15.48%
Reliance Retail Ventures Ltd.	8.0%
Bank Of Baroda	4.87%

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+	87.25391708%
SOV	27.82795334%
AAA	3.95677968%

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 do I invest in LIC MF Liquid Fund?

LIC MF Liquid Fund Regular-Growth is the regular plan of the fund. For this plan of you pay 0.3% as annual charges. On the other hand if you go for the direct plan available on ET Money, you pay 0.16%. That's 0.13999999999999999% less.

Regular plans charge more because when you buy them, the fund pays commission to the agent. This is an additional expense for the fund and to cover this expense, the fund takes a bigger share from the returns generated by your investments.

So, the lower annual cost of the direct plan means you will earn 0.13999999999999999% if you opt for direct plan of LIC MF Liquid Fund

How can I redeem my investments in LIC MF Liquid Fund?

Redeeming your investments in LIC MF Liquid Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in LIC MF Liquid Fund 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 ranks lower in terms of generating consistent return in it's 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.