Sundaram Liquid Fund

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

The Sundaram Liquid Fund is a 21 yrs 1 m old fund and has delivered average annual returns of 6.89% since inception. Sundaram Liquid Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 6.58% 6.94% 5.64% 6.04% 6.89%

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

The Sundaram Liquid Fund has an expense ratio of 0.32% , 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 22, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹2343.3812+0.02% 1 day change	6.89% p.a.	App exclusive #NA View Ranked Funds	₹7,482 Cr

Historical NAV & returns

NAV: ₹2343.3812 as on Oct 22, 2025

This fund Category average

Sundaram Liquid Fund overview

AUM (Fund size)	₹7,482 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	21 yrs 1 m since Aug 31, 2004
Benchmark	NIFTY Liquid Index A-I
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	0.32% 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

Sundaram 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 26, 2025

Period	This fund	Category average
1 Month	0.44%	0.44%
3 Months	1.35%	1.36%
6 Months	2.88%	2.9%
1 Year	6.58%	6.58%
2 Years	6.96%	6.94%
3 Years	6.94%	6.91%
4 Years	6.26%	6.23%
5 Years	5.64%	5.61%
7 Years	5.68%	5.65%
10 Years	6.04%	6.11%

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+ 78.290255%

SOV 19.372896%

AA+ 1.339361%

Cash & Call Money 0.786253%

Top Debt Holdings

Reserve Bank of India 19.38%

Bank Of Baroda 5.95%

Export-Import Bank Of India 3.98%

Axis Bank Ltd. 3.97%

Allocation by Instruments

Commercial Paper 43.54580299999999%

Certificate of Deposit 34.744452%

Treasury Bills 19.372895999999997%

Reverse Repo 3.074121%

Other Holdings

Others 3.07%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Sundaram Liquid Fund	0.44%	2.88%	6.58%	6.94%	5.64%	6.04%
Canara Robeco Liquid Fund	0.45%	2.93%	6.69%	7.02%	5.68%	6.06%
Bank of India Liquid Fund	0.45%	2.97%	6.72%	7.05%	5.72%	6.17%
Mirae Asset Liquid Fund	0.44%	2.94%	6.65%	6.98%	5.68%	6.09%
JM Liquid Fund	0.44%	2.9%	6.57%	6.9%	5.62%	6.14%
Navi Liquid Fund	0.41%	2.79%	6.25%	6.64%	5.54%	6.04%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Sundaram Liquid Fund	0.17	0.32	2.52	3.52
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
Sundaram Liquid Fund	N.A.	7,482 Cr	21 yrs 1 m	0.32%
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	1.0 vs. 2.9 Underperformed at beating benchmark
Sharpe	2.52 vs. 2.94 Poor risk-adjusted returns
Beta	0.32 vs. 1.55 Less sensitive to market ups & downs
Standard deviation	0.17 vs. 0.15 More volatile performance

Compare Sundaram Liquid Fund in detail with

About this fund

About Sundaram Liquid Fund

Sundaram Liquid Fund is a Liquid mutual fund scheme from Sundaram Mutual Fund. This fund has been in existence for 21 yrs 1 m, having been launched on 31/08/2004. Sundaram Liquid Fund has ₹7,482 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 Sundaram Liquid Fund as of 22/10/2025 is ₹2343.38. The fund has an expense ratio of 0.32%, which is higher than what most other Liquid funds charge.

Sundaram Liquid Fund returns of last 1-year are 6.64%. Since launch, it has delivered 6.89% average annual returns. The fund has doubled the money invested in it every 12 yrs.
Sundaram 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 above 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, Bank Of Baroda, Export-Import Bank Of India, Canara Bank, Reliance Retail Ventures Ltd..

...

Fund AUM	7,482 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Dwijendra Srivastava

Mr. Srivastava is B.Tech , PGDM (Finance) and CFA. Prior to joining Sundaram Mutual Fund he has worked with PGIM India Mutual Fund, JM Financial AMC, Tata AMC Private Ltd., Tower Capital and Securities, Indo Swiss Financial and Gontermann Pipers.

Sandeep Agarwal

Mr. Agarwal is a B.Com (H) from University of Kota, Chartered Accountant and CS. Prior to joining Sundaram Mutual Fund he has worked with Deutsche AMC.

Investment objective

The scheme aims to provide income from short-term investments, consistent with preservation of capital and liquidity by investing in a portfolio of money market and in investment grade debt instruments .

Sundaram Mutual Fund details

No. of schemes	31 view all schemes
Total AUM	74,005 Cr as on Sep 30, 2025
Address	Sundaram Towers No. 46,,1st& 2nd Floor, Whites Road, Royapettah Chennai, 600014
Phone	1860-425-7237

More funds from Sundaram Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
Sundaram Banking & PSU Fund	N.A.	400 Cr	8.05%	7.65%
Sundaram Short Duration Fund	N.A.	195 Cr	7.69%	7.49%
Sundaram Corporate Bond Fund	N.A.	798 Cr	8.11%	7.46%
Sundaram Money Market Fund	N.A.	1,761 Cr	7.47%	7.3%
Sundaram Low Duration Fund	N.A.	390 Cr	7.03%	6.95%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Sundaram Liquid Fund?

The current Net Asset Value (NAV) of the Sundaram Liquid Fund plan is approximately ₹2343.3812 as of Oct 22, 2025.

What are the returns of this mutual fund scheme?

The Sundaram Liquid Fund is a 21 yrs 1 m old fund and has delivered average annual returns of 6.89% since inception.

Sundaram Liquid Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
6.58%	6.94%	5.64%	6.04%	6.89%

How much does this mutual fund charge as expense ratio?

The Sundaram Liquid Fund has an expense ratio of 0.32%, 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 Sundaram Liquid Fund currently has assets under management (AUM) or fund size valued at approximately 7,482 Cr as on Sep 30, 2025.

To whom does Sundaram Liquid Fund lend to?

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

Holding Name	Percentage of Portfolio
Reserve Bank of India	19.38%
Bank Of Baroda	5.95%
Export-Import Bank Of India	3.98%

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 Sundaram Liquid Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
A1+	78.290255%
SOV	19.372896%
AA+	1.339361%

What is risk level of Sundaram 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 Sundaram Liquid Fund?

Redeeming your investments in the Sundaram 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/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.