Navi Liquid Fund

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

The Navi Liquid Fund is a 15 yrs 11 m old fund and has delivered average annual returns of 6.97% since inception. Navi Liquid Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 5.93% 6.58% 5.7% 5.98% 6.97%

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

The Navi 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)
₹29.3162+0.02% 1 day change	6.97% p.a.	App exclusive #NA View Ranked Funds	₹69 Cr

Historical NAV & returns

NAV: ₹29.3162 as on Feb 02, 2026

This fund Category average

Navi Liquid Fund overview

AUM (Fund size)	₹69 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	15 yrs 11 m since Feb 17, 2010
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

Navi 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	1.37%	1.27%
6 Months	2.74%	2.69%
1 Year	5.93%	6.09%
2 Years	6.43%	6.65%
3 Years	6.58%	6.76%
4 Years	6.26%	6.32%
5 Years	5.7%	5.69%
7 Years	5.42%	5.49%
10 Years	5.98%	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+ 50.9%

SOV 27.52%

AAA 7.23%

Cash & Call Money 7.17%

Top Debt Holdings

Reserve Bank of India 21.63%

Small Industries Devp. Bank of India Ltd. 7.23%

Kotak Mahindra Bank Ltd. 7.2%

HDFC Bank Ltd. 7.18%

Allocation by Instruments

Commercial Paper 29.34%

Treasury Bills 21.63%

Certificate of Deposit 21.56%

Debenture 13.74%

Other Holdings

Others 7.17%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Navi Liquid Fund	0.44%	2.74%	5.93%	6.58%	5.7%	5.98%
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
Navi Liquid Fund	0.17	0.15	1.38	2.19
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
Navi Liquid Fund	N.A.	69 Cr	15 yrs 11 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	0.53 vs. 2.81 Underperformed at beating benchmark
Sharpe	1.38 vs. 2.63 Poor risk-adjusted returns
Beta	0.15 vs. 1.66 Less sensitive to market ups & downs
Standard deviation	0.17 vs. 0.16 More volatile performance

Compare Navi Liquid Fund in detail with

About this fund

About Navi Liquid Fund

Navi Liquid Fund is a Liquid mutual fund scheme from Navi Mutual Fund. This fund has been in existence for 15 yrs 11 m, having been launched on 17/02/2010. Navi Liquid Fund has ₹69 Crores worth of assets under management (AUM) as on 31/12/2025 and is small fund of its category. The latest Net Asset Value (NAV) of Navi Liquid Fund as of 02/02/2026 is ₹29.32. The fund has an expense ratio of 0.2%, which is close to what most other Liquid funds charge.

Navi Liquid Fund returns of last 1-year are 5.95%. Since launch, it has delivered 6.97% average annual returns. The fund has doubled the money invested in it every 12 yrs.
Navi Liquid Fund scheme's ability to deliver returns consistently is lower than most funds of its category. Its ability to control losses in a falling market is below average.
The fund's credit profile is high indicating it has lent to borrowers whose quality is great. 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, Small Industries Devp. Bank of India Ltd., Kotak Mahindra Bank Ltd., HDFC Bank Ltd., National Bank For Agriculture & Rural Development.

...

Fund AUM	69 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

Fund managers

Tanmay Sethi

Mr. Sethi has done B.Com and CA Prior to joining Navi Mutual Fund, he has worked with HDFC Mutual Fund

Investment objective

The Scheme seeks to generate a reasonable return commensurate with low risk and a high degree of liquidity, from a portfolio constituted of money market securities and debt securities.

Navi Mutual Fund details

No. of schemes	14 view all schemes
Total AUM	8,959 Cr as on Dec 31, 2025
Address	7th Floor, Wing B, Prestige RMZ Startech, No. 139, 2, Hosur Rd Koramangala Industrial Layout, S.G. Palya. Bangalore, 560095
Email	mf@navi.com
Phone	+91 80 4511 3444 / 1800-103-8999

Frequently asked questions

What is the current NAV of Navi Liquid Fund?

The current Net Asset Value (NAV) of the Navi Liquid Fund plan is approximately ₹29.3162 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The Navi Liquid Fund is a 15 yrs 11 m old fund and has delivered average annual returns of 6.97% since inception.

Navi Liquid Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
5.93%	6.58%	5.7%	5.98%	6.97%

How much does this mutual fund charge as expense ratio?

The Navi 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 Navi Liquid Fund currently has assets under management (AUM) or fund size valued at approximately 69 Cr as on Dec 31, 2025.

To whom does Navi Liquid Fund lend to?

The top 3 debt holdings of Navi Liquid Fund are as follows

Holding Name	Percentage of Portfolio
Reserve Bank of India	21.63%
Small Industries Devp. Bank of India Ltd.	7.23%
Kotak Mahindra Bank Ltd.	7.2%

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 Navi Liquid Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
A1+	50.9%
SOV	27.52%
AAA	7.23%

What is risk level of Navi 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 Navi Liquid Fund?

Redeeming your investments in the Navi 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

Volatility Protection: This fund is one of the best in protecting against volatility in it's category.
Return Outperformance: This fund has generated highest return amongst Liquid funds in the last 5 Years.
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.