SBI Liquid Fund Direct Plan-Growth

Q: What are the returns of SBI Liquid Fund?

The SBI Liquid Fund is a 12 yrs 5 m old fund and has delivered average annual returns of 6.83% since inception. SBI Liquid Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.22% 6.96% 5.54% 6.28% 6.83%

NAV as of Jun 05, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹4106.4122+0.02% 1 day change	6.83% p.a.	#NA View Ranked Funds	₹60,844 Crs

Historical NAV & returns

NAV: ₹4106.4122 as on Jun 05, 2025

This fund Category average

SBI Liquid Fund overview

Expense ratio	0.21% as on May 31, 2025
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)	₹60,844 Crs
Lock-in	No Lockin
Age	12 yrs 5 m since Jan 01, 2013
Benchmark	NIFTY Liquid Index A-I
Min. investment	SIP ₹500 & Lump. ₹500
Risk	Low to Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

SBI 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 Jun 06, 2025

Period	This fund	Category average
1 Month	0.55%	0.54%
3 Months	1.81%	1.8%
6 Months	3.55%	3.56%
1 Year	7.22%	7.24%
2 Years	7.27%	7.27%
3 Years	6.96%	6.95%
4 Years	6.1%	6.09%
5 Years	5.54%	5.53%
7 Years	5.85%	5.83%
10 Years	6.28%	6.28%

Asset allocationas on Dec 31, 2024

Large Cap 0.0%

Mid Cap 0.0%

Small Cap 0.0%

Other Cap 0.0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

A1+ 84.24%

SOV 23.19%

AAA 0.82%

Others 0.28%

Top Debt Holdings

Reserve Bank of India 23.19%

Punjab National Bank 10.54%

Reliance Jio Infocomm Ltd. 6.48%

ICICI Securities Ltd. 5.99%

Allocation by Instruments

Commercial Paper 50.69%

Certificate of Deposit 31.61%

Treasury Bills 23.19%

Money Market 1.94%

Other Holdings

Others 0.28%

Peer comparison

Fund name	ETM Rank	AUM (in Crs.)	Fund age	Expense ratio
SBI Liquid Fund	N.A.	₹60,844 Crs	12 yrs 5 m	0.21%
Mirae Asset Liquid Fund	N.A.	₹12,485 Crs	12 yrs 5 m	0.09%
Sundaram Liquid Fund	N.A.	₹5,946 Crs	12 yrs 5 m	0.13%
Navi Liquid Fund	N.A.	₹74 Crs	12 yrs 5 m	0.15%
JM Liquid Fund	N.A.	₹2,680 Crs	12 yrs 5 m	0.16%
Mahindra Manulife Liquid Fund	N.A.	₹1,314 Crs	8 yrs 11 m	0.14%

Fund name	1M	6M	1Y	3Y	5Y	10Y
SBI Liquid Fund	0.55%	3.55%	7.22%	6.96%	5.54%	6.28%
Mirae Asset Liquid Fund	0.55%	3.59%	7.31%	7.02%	5.59%	6.29%
Sundaram Liquid Fund	0.55%	3.63%	7.35%	7.03%	5.6%	6.24%
Navi Liquid Fund	0.51%	3.3%	6.85%	6.66%	5.39%	6.22%
JM Liquid Fund	0.54%	3.53%	7.2%	6.95%	5.53%	6.33%
Mahindra Manulife Liquid Fund	0.55%	3.59%	7.32%	7.05%	5.63%	5.51%

Fund name	Std. deviation	Beta	Sharpe	Sortino
SBI Liquid Fund	0.22	0.49	2.02	2.04
Mirae Asset Liquid Fund	0.23	0.48	2.19	2.33
Sundaram Liquid Fund	0.23	0.47	2.29	2.42
Navi Liquid Fund	0.18	0.34	0.91	1.02
JM Liquid Fund	0.21	0.44	2.11	2.06
Mahindra Manulife Liquid Fund	0.21	0.45	2.49	2.5

View all Liquid funds

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

Alpha	1.37 vs. 2.87 Underperformed at beating benchmark
Sharpe	2.02 vs. 2.98 Poor risk-adjusted returns
Beta	0.49 vs. 1.06 Less sensitive to market ups & downs
Standard deviation	0.22 vs. 0.21 More volatile performance

Compare SBI Liquid Fund in detail with

About this fund

About SBI Liquid Fund

SBI Liquid Fund Direct Plan-Growth is a Liquid mutual fund scheme from Sbi Mutual Fund. This fund has been in existence for 12 yrs 5 m, having been launched on 01/01/2013. SBI Liquid Fund Direct Plan-Growth has ₹60,844 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 SBI Liquid Fund Direct Plan-Growth as of 05/06/2025 is ₹4106.41. The fund has an expense ratio of 0.21%, which is close to what most other Liquid funds charge.

SBI Liquid Fund Direct Plan-Growth returns of last 1-year are 7.25%. Since launch, it has delivered 6.83% average annual returns. The fund has doubled the money invested in it every 11 yrs.
SBI Liquid Fund Direct Plan-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, Punjab National Bank, Reliance Jio Infocomm Ltd., ICICI Securities Ltd., Axis Bank Ltd..

...

Fund AUM	₹60,844 Crs as on Mar 31, 2025
Scheme document	View Scheme Document

Fund managers

Rajeev Radhakrishnan

Mr. Radhakrishnan is B.E (Production), MMS (Finance) and CFA. Prior to joining SBI AMC he has worked with UTI Asset Management Company Ltd.

Investment objective

The scheme seeks to provide the investors an opportunity to invest in the entire range of debt and money market securities with residual maturity upto 91 days only.

SBI Mutual Fund details

No. of schemes	67 view all schemes
Total AUM	₹10,76,364 Crs as on Mar 31, 2025
Address	9th Floor-Crescenzo, C-38 & 39- G Block, Bandra-Kurla Complex, Bandra (East) Mumbai, 400051
Phone	022-61793000 / 1800-425-5425

More funds from SBI Mutual Fund

Fund name	ETM Rank	AUM (in Crs.)	1Y	3Y
SBI Magnum Constant Maturity Fund	N.A.	₹1,771 Crs	12.07%	9.75%
SBI Magnum Gilt Fund	N.A.	₹11,265 Crs	11.11%	9.54%
SBI Dynamic Bond Fund	N.A.	₹3,324 Crs	11.14%	9.48%
SBI CRISIL IBX Gilt Index - June 2036 Fund	N.A.	₹2,423 Crs	12.33%	N.A.
SBI Magnum Income Fund	N.A.	₹1,855 Crs	10.8%	9.1%
SBI Credit Risk Fund	N.A.	₹2,278 Crs	10.34%	8.88%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of SBI Liquid Fund?

The current Net Asset Value (NAV) of the SBI Liquid Fund - Direct Growth plan is approximately ₹4106.4122 as of Jun 05, 2025.

What are the returns of this mutual fund scheme?

The SBI Liquid Fund is a 12 yrs 5 m old fund and has delivered average annual returns of 6.83% since inception.

SBI Liquid Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.22%	6.96%	5.54%	6.28%	6.83%

How much does this mutual fund charge as expense ratio?

The SBI Liquid Fund - Direct Growth has an expense ratio of 0.21%, 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 SBI Liquid Fund currently has assets under management (AUM) or fund size valued at approximately ₹60,844 Crs crore as of Mar 31, 2025.

To whom does SBI Liquid Fund lend to?

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

Holding Name	Percentage of Portfolio
Reserve Bank of India	23.19%
Punjab National Bank	10.54%
Reliance Jio Infocomm Ltd.	6.48%

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 SBI Liquid Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
A1+	84.24%
SOV	23.19%
AAA	0.82%

What is risk level of SBI 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 SBI Liquid Fund?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. It is just a matter of a few minutes. Here's how:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for SBI Liquid Fund and choose the investment mode (Lump sum investment or a SIP). Then, enter your investment amount.
Fill in additional required details, including the bank account you'll use for payment, and confirm.

All set! Your investment in SBI Liquid Fund is complete.

How can I redeem my investments in SBI Liquid Fund?

Redeeming your investments in SBI 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 SBI Liquid Fund from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

in Liquid

#NA

Return Outperformance: This fund has generated highest return amongst Liquid funds in the last 1 Month.
AUM Growth: This fund has the highest AUM growth in the last 12 months in Liquid category.
Return Consistency: This fund ranks lower in terms of 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.