Tata Liquid Fund

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

The Tata Liquid Fund is a 21 yrs 5 m old fund and has delivered average annual returns of 6.99% since inception. Tata Liquid Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 6.35% 6.9% 5.8% 6.11% 6.99%

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

The Tata Liquid Fund has an expense ratio of 0.31% , 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)
₹4253.0893+0.02% 1 day change	6.99% p.a.	App exclusive #NA View Ranked Funds	₹18,946 Cr

Historical NAV & returns

NAV: ₹4253.0893 as on Feb 02, 2026

This fund Category average

Tata Liquid Fund overview

AUM (Fund size)	₹18,946 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 5 m since Aug 20, 2004
Benchmark	CRISIL Liquid Debt A-I Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	0.31% 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

Tata 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	1.42%	1.27%
6 Months	2.87%	2.69%
1 Year	6.35%	6.09%
2 Years	6.82%	6.65%
3 Years	6.9%	6.76%
4 Years	6.44%	6.32%
5 Years	5.8%	5.69%
7 Years	5.63%	5.49%
10 Years	6.11%	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+ 97.03%

SOV 10.94%

AAA 2.14%

Others 0.35%

Top Debt Holdings

Reserve Bank of India 10.81%

Bank of India 8.5%

Indian Overseas Bank 7.68%

Punjab National Bank 7.06%

Allocation by Instruments

Commercial Paper 53.78%

Certificate of Deposit 43.25000000000001%

Treasury Bills 10.81%

Debenture 2.14%

Other Holdings

Others 0.35%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Tata Liquid Fund	0.44%	2.87%	6.35%	6.9%	5.8%	6.11%
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
Tata Liquid Fund	0.19	0.21	2.86	4.11
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
Tata Liquid Fund	N.A.	18,946 Cr	21 yrs 5 m	0.31%
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	0.94 vs. 2.81 Underperformed at beating benchmark
Sharpe	2.86 vs. 2.63 Better risk-adjusted return
Beta	0.21 vs. 1.66 Less sensitive to market ups & downs
Standard deviation	0.19 vs. 0.16 More volatile performance

Compare Tata Liquid Fund in detail with

About this fund

About Tata Liquid Fund

Tata Liquid Fund is a Liquid mutual fund scheme from Tata Mutual Fund. This fund has been in existence for 21 yrs 5 m, having been launched on 20/08/2004. Tata Liquid Fund has ₹18,946 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Tata Liquid Fund as of 02/02/2026 is ₹4253.09. The fund has an expense ratio of 0.31%, which is higher than what most other Liquid funds charge.

Tata Liquid Fund returns of last 1-year are 6.37%. Since launch, it has delivered 6.99% average annual returns. The fund has doubled the money invested in it every 12 yrs.
Tata 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 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, Bank of India, Indian Overseas Bank, Punjab National Bank, HDFC Bank Ltd..

...

Fund AUM	18,946 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

Fund managers

Abhishek Sonthalia

Mr. Sonthalia has done B. Com, Management Programme from NITIE and CFA Charter holder. Prior to joining UTI Mutual Fund, he has worked with Tata Mutual Fund, CRISIL Ltd. and TCS.

Harsh Dave

Mr. Dave has done B.E and PGDM(BFSI) Prior to joining Tata Mutual Fund, he has worked with ICICI Bank Ltd.

Amit Somani

Mr.Somani is a B.Com, PGDBM and CFA. Prior to joining Tata Asset Management Ltd in 2010 he has worked with Fidelity Investments Netscribes Pvt. ltd, SPA Capital and Khandwala Securities.

Investment objective

The scheme seeks to generate reasonable returns with high liquidity to the unit holders

Tata Mutual Fund details

No. of schemes	61 view all schemes
Total AUM	2,25,719 Cr as on Dec 31, 2025
Address	9th Floor, Mafatlal Centre, Nariman Point, Mumbai, 400021
Email	service@tataamc.com
Phone	1800-209-0101

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Tata Money Market Fund	N.A.	35,600 Cr	7.07%	7.4%
Tata Floating Rate Fund	N.A.	136 Cr	7.06%	7.33%
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Tata Nifty G-Sec Dec 2026 Index Fund	N.A.	77 Cr	6.95%	7.06%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Tata Liquid Fund?

The current Net Asset Value (NAV) of the Tata Liquid Fund plan is approximately ₹4253.0893 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The Tata Liquid Fund is a 21 yrs 5 m old fund and has delivered average annual returns of 6.99% since inception.

Tata Liquid Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
6.35%	6.9%	5.8%	6.11%	6.99%

How much does this mutual fund charge as expense ratio?

The Tata Liquid Fund has an expense ratio of 0.31%, 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 Tata Liquid Fund currently has assets under management (AUM) or fund size valued at approximately 18,946 Cr as on Dec 31, 2025.

To whom does Tata Liquid Fund lend to?

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

Holding Name	Percentage of Portfolio
Reserve Bank of India	10.81%
Bank of India	8.5%
Indian Overseas Bank	7.68%

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 Tata Liquid Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
A1+	97.03%
SOV	10.94%
AAA	2.14%

What is risk level of Tata 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 Tata Liquid Fund?

Redeeming your investments in the Tata 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 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.