Motilal Oswal Liquid Fund

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

The Motilal Oswal Liquid Fund is a 6 yrs 10 m old fund and has delivered average annual returns of 5.06% since inception. Motilal Oswal Liquid Fund Returns 1-Year 3-Year 5-Year Since Inception 6.17% 6.51% 5.24% 5.06%

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

The Motilal Oswal Liquid Fund has an expense ratio of 0.37% , 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 Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹14.0246+0.01% 1 day change	5.06% p.a.	App exclusive #NA View Ranked Funds	₹1,226 Cr

Historical NAV & returns

NAV: ₹14.0246 as on Oct 20, 2025

This fund Category average

Motilal Oswal Liquid Fund overview

AUM (Fund size)	₹1,226 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	6 yrs 10 m since Dec 11, 2018
Benchmark	CRISIL Liquid Debt A-I Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	0.37% as on Sep 30, 2025
Plan type	Regular
Risk	Low to Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Motilal Oswal 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 25, 2025

Period	This fund	Category average
1 Month	0.42%	0.45%
3 Months	1.3%	1.37%
6 Months	2.75%	2.92%
1 Year	6.17%	6.6%
2 Years	6.56%	6.95%
3 Years	6.51%	6.91%
4 Years	5.84%	6.23%
5 Years	5.24%	5.61%

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+ 74.87968805%

SOV 18.31118161%

Cash & Call Money 6.80913019%

Top Debt Holdings

Reserve Bank of India 18.31%

The Federal Bank Ltd. 6.09%

Canara Bank 6.05%

Others 4.79%

Allocation by Instruments

Certificate of Deposit 54.64774940999999%

Commercial Paper 20.231938640000003%

Treasury Bills 18.31118161%

CBLO 4.79264698%

Other Holdings

Others 2.02%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Motilal Oswal Liquid Fund	0.42%	2.75%	6.17%	6.51%	5.24%	N.A.
Canara Robeco Liquid Fund	0.46%	2.95%	6.71%	7.02%	5.68%	6.06%
Bank of India Liquid Fund	0.46%	2.98%	6.74%	7.06%	5.72%	6.17%
Mirae Asset Liquid Fund	0.45%	2.95%	6.67%	6.99%	5.68%	6.1%
JM Liquid Fund	0.45%	2.92%	6.59%	6.9%	5.63%	6.14%
Navi Liquid Fund	0.43%	2.83%	6.29%	6.65%	5.54%	6.04%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Motilal Oswal Liquid Fund	0.16	0.31	0.15	0.25
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
Motilal Oswal Liquid Fund	N.A.	1,226 Cr	6 yrs 10 m	0.37%
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	0.58 vs. 2.9 Underperformed at beating benchmark
Sharpe	0.15 vs. 2.94 Poor risk-adjusted returns
Beta	0.31 vs. 1.55 Less sensitive to market ups & downs
Standard deviation	0.16 vs. 0.15 More volatile performance

Compare Motilal Oswal Liquid Fund in detail with

About this fund

About Motilal Oswal Liquid Fund

Motilal Oswal Liquid Fund is a Liquid mutual fund scheme from Motilal Oswal Mutual Fund. This fund has been in existence for 6 yrs 10 m, having been launched on 11/12/2018. Motilal Oswal Liquid Fund has ₹1,226 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 Motilal Oswal Liquid Fund as of 20/10/2025 is ₹14.02. The fund has an expense ratio of 0.37%, which is higher than what most other Liquid funds charge.

Motilal Oswal Liquid Fund returns of last 1-year are 6.22%. Since launch, it has delivered 5.07% average annual returns.
Motilal Oswal 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 below 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, The Federal Bank Ltd., Canara Bank, Small Industries Devp. Bank of India Ltd., Bajaj Finance Ltd..

...

Fund AUM	1,226 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Rakesh Shetty

Mr. Shetty has done B.Com Prior to joining Motilal Oswal Mutual Fund, he has worked with Company engaged in Capital Market Business wherein he was in charge of equity and debt ETFs, customized indices and has also been part of product development.

Investment objective

The Scheme seeks to generate optimal returns with high liquidity to the investors through a portfolio of money market securities.

Motilal Oswal Mutual Fund details

No. of schemes	47 view all schemes
Total AUM	1,27,837 Cr as on Sep 30, 2025
Address	Motilal Oswal Towers - 10th Floor, Rahimtullah Sayani Road, Opposite Parel ST Depot, Prabhadevi, Mumbai, 400025
Phone	022-39804238 / 1800-200-6626

More funds from Motilal Oswal Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
Motilal Oswal 5 Year G-Sec FoF	N.A.	49 Cr	8.65%	8.02%
Motilal Oswal Ultra Short Term Fund	N.A.	604 Cr	5.56%	5.78%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Motilal Oswal Liquid Fund?

The current Net Asset Value (NAV) of the Motilal Oswal Liquid Fund plan is approximately ₹14.0246 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The Motilal Oswal Liquid Fund is a 6 yrs 10 m old fund and has delivered average annual returns of 5.06% since inception.

Motilal Oswal Liquid Fund Returns

1-Year	3-Year	5-Year	Since Inception
6.17%	6.51%	5.24%	5.06%

How much does this mutual fund charge as expense ratio?

The Motilal Oswal Liquid Fund has an expense ratio of 0.37%, 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 Motilal Oswal Liquid Fund currently has assets under management (AUM) or fund size valued at approximately 1,226 Cr as on Sep 30, 2025.

To whom does Motilal Oswal Liquid Fund lend to?

The top 3 debt holdings of Motilal Oswal Liquid Fund are as follows

Holding Name	Percentage of Portfolio
Reserve Bank of India	18.31%
The Federal Bank Ltd.	6.09%
Canara Bank	6.05%

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 Motilal Oswal Liquid Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
A1+	74.87968805%
SOV	18.31118161%
Cash & Call Money	6.80913019%

What is risk level of Motilal Oswal 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 Motilal Oswal Liquid Fund?

Redeeming your investments in the Motilal Oswal 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 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.