Sundaram Liquid Fund
LiquidModerateOPEN-ENDED
- NAV as on 9 Nov 2026
- ₹2,499.35+0.02%1 day
- Return since launch
- 6.9%
- 52-week range
- ₹2,349.16 — ₹2,497.85
- AUM
- ₹7,135 Cr
Sundaram Liquid Fund is a Liquid debt fund from Sundaram Mutual Fund with ₹7,135 Cr under management, launched in 2004. Over three years it has returned 6.5% a year, against 6.7% for its category. The expense ratio is 0.36% and the SEBI riskometer reading is Moderate.
Performance
Sundaram Liquid Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +6.3% against +6.2% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 6.4% | +0.1 pts | 6.3% | 6.3% |
| 2Y | 6.3% | 0.0 pts | 6.3% | 6.3% |
| 3Y | 6.5% | −0.2 pts | 6.7% | 6.5% |
| 5Y | 6.6% | +0.3 pts | 6.3% | 6.5% |
| 7Y | 6.2% | 0.0 pts | 6.1% | 6.1% |
| 10Y | 6.0% | 0.0 pts | 6.0% | 5.9% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 0.5% | 0.0 pts | 0.5% | 0.5% |
| 3M | 1.4% | 0.0 pts | 1.5% | 1.5% |
| 6M | 3.2% | +0.1 pts | 3.1% | 3.1% |
| 1Y | 6.3% | 0.0 pts | 6.3% | 6.3% |
| 2Y | 6.5% | 0.0 pts | 6.4% | 6.4% |
| 3Y | 6.8% | 0.0 pts | 6.7% | 6.7% |
| 5Y | 6.3% | 0.0 pts | 6.3% | 6.2% |
| 7Y | 5.6% | +0.1 pts | 5.5% | 5.5% |
| 10Y | 5.9% | 0.0 pts | 6.0% | 6.0% |
Since launch (31 Aug 2004): 6.9%
Calendar-year returns
Category average4.2%
3.3%
4.8%
7.0%
7.3%
6.4%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 6.4% | 0.0 pts | 6.4% |
| 2024 | 7.3% | 0.0 pts | 7.3% |
| 2023 | 7.0% | 0.0 pts | 7.0% |
| 2022 | 4.8% | 0.0 pts | 4.8% |
| 2021 | 3.3% | 0.0 pts | 3.3% |
| 2020 | 4.2% | +0.1 pts | 4.0% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
0.36%
Expense ratio as on 6 Nov 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 0.31%
- Brokerage
- 0.00%
- Transaction charges
- 0.00%
- Statutory levies
- 0.05%
- 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.
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- NIFTY Liquid Index A-I
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Moderate
Your principal is treated as being at moderate risk — typically medium duration debt and conservative hybrid schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | — | — | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 4.27 | 5.05 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 11.17 | 12.32 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 0.23 | 0.21 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
Sundaram Liquid Fund portfolio
Portfolio as of 30 Sep 2026
Asset allocation
- Debt86.0%
- Other14.0%
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Export-Import Bank Of India | Financial | 4.43% | ₹298 Cr | +1.55% | +1.91% | +0.99% |
| Bank of India | Financial | 4.41% | ₹297 Cr | +0.78% | +1.43% | +1.32% |
| Others | Others | 3.92% | ₹263 Cr | +0.86% | +1.04% | +0.63% |
| HDFC Bank Ltd. | Financial | 2.95% | ₹198 Cr | +1.56% | +3.80% | +2.64% |
| Tata Capital Housing Finance Ltd. | Financial | 2.95% | ₹198 Cr | — | — | — |
| Hindustan Petroleum Corporation Ltd. | Energy | 2.94% | ₹198 Cr | +0.78% | — | — |
| Reliance Industries Ltd. | Energy | 2.94% | ₹198 Cr | — | — | — |
| PNB Housing Finance Ltd. | Financial | 2.21% | ₹149 Cr | +1.57% | +1.43% | +0.99% |
| Julius Baer Capital India Pvt Ltd. | Financial | 1.48% | ₹99.62 Cr | — | +0.95% | +0.99% |
| Reserve Bank of India | Financial | 1.48% | ₹99.61 Cr | +2.27% | +1.44% | +1.33% |
| Union Bank of India | Financial | 1.48% | ₹99.54 Cr | +0.78% | +1.43% | +1.65% |
| Aditya Birla Housing Finance Ltd. | Financial | 1.48% | ₹99.37 Cr | — | — | +0.66% |
| Kisetsu Saison Finance (India) Pvt Ltd. | Financial | 1.48% | ₹99.30 Cr | — | +1.90% | +0.66% |
| Godrej Housing Finance Ltd. | Financial | 1.47% | ₹99.17 Cr | — | +0.96% | — |
| Blue Star Ltd. | Consumer Discretionary | 1.47% | ₹99.16 Cr | — | — | +0.66% |
| Godrej Properties Ltd. | Construction | 1.47% | ₹99.11 Cr | — | — | — |
| Central Bank of India | Financial | 1.47% | ₹99.07 Cr | +1.55% | +1.44% | — |
| Axis Bank Ltd. | Financial | 1.47% | ₹99.03 Cr | +0.78% | +0.96% | +1.33% |
| Canara Bank | Financial | 1.47% | ₹98.98 Cr | +0.78% | +2.86% | +0.66% |
| Small Industries Devp. Bank of India Ltd. | Financial | 1.47% | ₹98.90 Cr | +3.10% | +0.96% | +1.60% |
| Reliance Retail Ventures Ltd. | Services | 1.47% | ₹98.82 Cr | +0.78% | +1.91% | +0.66% |
| Power Finance Corporation Ltd. | Financial | 1.47% | ₹98.81 Cr | — | — | — |
| Pilani Investment And Industries Corporation Ltd. | Financial | 1.47% | ₹98.76 Cr | +0.78% | — | — |
| GIC Housing Finance Ltd. | Financial | 1.47% | ₹98.69 Cr | — | — | — |
| Godrej Industries Ltd. | Consumer Staples | 1.11% | ₹74.43 Cr | +1.16% | +1.43% | +0.99% |
| Bajaj Financial Securities Ltd. | Financial | 1.10% | ₹74.34 Cr | — | — | +0.66% |
| Motilal Oswal Financial Services Ltd. | Financial | 1.10% | ₹74.30 Cr | +0.77% | +1.90% | +0.99% |
| Muthoot Fincorp Ltd. | Financial | 1.10% | ₹73.72 Cr | — | — | — |
| HSBC InvestDirect Financial Services India Ltd. | Financial | 0.89% | ₹59.69 Cr | +0.78% | — | — |
| Punjab National Bank | Financial | 0.74% | ₹50.00 Cr | +1.17% | +2.86% | +0.66% |
| REC Ltd. | Financial | 0.74% | ₹49.83 Cr | +1.18% | +1.91% | — |
| National Bank For Agriculture & Rural Development | Financial | 0.74% | ₹49.66 Cr | +3.10% | +0.95% | +2.65% |
| IGH Holdings Pvt. Ltd. | Communication | 0.74% | ₹49.65 Cr | +0.39% | +0.95% | +1.33% |
| Aditya Birla Money Ltd. | Financial | 0.74% | ₹49.53 Cr | +0.77% | — | +0.66% |
| Kotak Mahindra Securities Ltd. | Financial | 0.74% | ₹49.52 Cr | +1.16% | +0.95% | +1.32% |
| Birla Group Holdings Pvt. Ltd. | Financial | 0.74% | ₹49.51 Cr | +0.78% | +1.43% | +0.66% |
| ICICI Securities Ltd. | Financial | 0.74% | ₹49.49 Cr | +1.16% | +1.90% | +0.99% |
| JM Financial Services Pvt. Ltd. | Financial | 0.73% | ₹49.26 Cr | — | — | — |
| IIFL Finance Ltd. | Financial | 0.37% | ₹24.64 Cr | — | +0.95% | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Bank of India | 0.55% | 4.41% | +3.86% |
| Hindustan Petroleum Corporation Ltd. | 0.00% | 2.94% | +2.94% |
| Reliance Industries Ltd. | 0.00% | 2.94% | +2.94% |
| company:3911 | 1.65% | 0.00% | -1.65% |
| Power Finance Corporation Ltd. | 0.00% | 1.47% | +1.47% |
| Pilani Investment And Industries Corporation Ltd. | 0.00% | 1.47% | +1.47% |
| GIC Housing Finance Ltd. | 0.00% | 1.47% | +1.47% |
| National Bank For Agriculture & Rural Development | 2.20% | 0.74% | -1.46% |
| company:1570 | 1.37% | 0.00% | -1.37% |
| Export-Import Bank Of India | 3.26% | 4.43% | +1.17% |
| company:2089 | 1.10% | 0.00% | -1.10% |
| company:15551 | 1.10% | 0.00% | -1.10% |
| company:1308 | 1.10% | 0.00% | -1.10% |
| Muthoot Fincorp Ltd. | 0.00% | 1.10% | +1.10% |
| company:514 | 1.10% | 0.00% | -1.10% |
| company:1697 | 1.09% | 0.00% | -1.09% |
| Canara Bank | 0.54% | 1.47% | +0.93% |
| Axis Bank Ltd. | 0.55% | 1.47% | +0.92% |
| Reliance Retail Ventures Ltd. | 0.55% | 1.47% | +0.92% |
| company:6912 | 0.82% | 0.00% | -0.82% |
| company:15648 | 0.82% | 0.00% | -0.82% |
| Tata Capital Housing Finance Ltd. | 2.17% | 2.95% | +0.78% |
| Small Industries Devp. Bank of India Ltd. | 2.20% | 1.47% | -0.73% |
| IIFL Finance Ltd. | 1.08% | 0.37% | -0.72% |
| PNB Housing Finance Ltd. | 1.63% | 2.21% | +0.58% |
| company:12429 | 0.55% | 0.00% | -0.55% |
| company:1102 | 0.55% | 0.00% | -0.55% |
| company:12598 | 0.55% | 0.00% | -0.55% |
| company:13827 | 0.55% | 0.00% | -0.55% |
| company:8137 | 0.55% | 0.00% | -0.55% |
| company:17330 | 0.55% | 0.00% | -0.55% |
| company:7990 | 0.55% | 0.00% | -0.55% |
| company:1643 | 0.55% | 0.00% | -0.55% |
| Julius Baer Capital India Pvt Ltd. | 1.09% | 1.48% | +0.39% |
| Union Bank of India | 1.09% | 1.48% | +0.39% |
| Kisetsu Saison Finance (India) Pvt Ltd. | 1.09% | 1.48% | +0.39% |
| Aditya Birla Housing Finance Ltd. | 1.09% | 1.48% | +0.39% |
| Reserve Bank of India | 1.09% | 1.48% | +0.39% |
| Godrej Properties Ltd. | 1.08% | 1.47% | +0.39% |
| Godrej Housing Finance Ltd. | 1.08% | 1.47% | +0.39% |
| Blue Star Ltd. | 1.08% | 1.47% | +0.39% |
| Central Bank of India | 1.08% | 1.47% | +0.39% |
| HDFC Bank Ltd. | 1.09% | 1.47% | +0.38% |
| Motilal Oswal Financial Services Ltd. | 0.81% | 1.10% | +0.29% |
| Bajaj Financial Securities Ltd. | 0.81% | 1.10% | +0.29% |
| Godrej Industries Ltd. | 0.81% | 1.11% | +0.29% |
| company:407 | 0.27% | 0.00% | -0.27% |
| HSBC InvestDirect Financial Services India Ltd. | 0.65% | 0.89% | +0.24% |
| REC Ltd. | 0.54% | 0.74% | +0.20% |
| IGH Holdings Pvt. Ltd. | 0.54% | 0.74% | +0.20% |
| Aditya Birla Money Ltd. | 0.54% | 0.74% | +0.19% |
| Birla Group Holdings Pvt. Ltd. | 0.54% | 0.74% | +0.19% |
| Kotak Mahindra Securities Ltd. | 0.54% | 0.74% | +0.19% |
| ICICI Securities Ltd. | 0.54% | 0.74% | +0.19% |
| Punjab National Bank | 0.82% | 0.74% | -0.08% |
| Others | 0.20% | 0.27% | +0.07% |
| JM Financial Services Pvt. Ltd. | 0.77% | 0.73% | -0.04% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹16,105 Cr | 0.20% | 6.5% | 6.6% | 6.7% |
 Axis Liquid Fund | ₹53,784 Cr | 0.26% | 6.5% | 6.6% | 6.7% |
 Edelweiss Liquid Fund | ₹17,831 Cr | 0.19% | 6.5% | 6.6% | 6.7% |
 Franklin India Liquid Fund | ₹4,811 Cr | 0.20% | 6.6% | 6.7% | 6.7% |
 Bank of India Liquid Fund | ₹2,326 Cr | 0.15% | 6.5% | 6.7% | 6.7% |
 PGIM India Liquid Fund | ₹1,773 Cr | 0.22% | 6.5% | 6.6% | 6.7% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
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 .
Fund managers
- Kumaresh RamakrishnanMr. Ramakrishnan is a B.E from Mumbai University and MBA from NMIMS (Mumbai).Prior to joining Sundaram Mutual Fund he has worked with PGIM India Mutual Fund, DWS AMC, Societe Generale and CARE.
- Ronak ShahMBA, B. ComPrior to joining the Sundaram AMC, he was associated with Tata AIA Life Insurance Co. Ltd and Derivium Tradition and Securities (P) Ltd.
- Sandeep AgarwalMr. 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.
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
₹
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months3.20% absolute | ₹60,000 | ₹61,920 | 3.20% | |
| 1 year6.34% annualised | ₹1,20,000 | ₹1,24,202 | 3.50% | |
| 3 years6.75% annualised | ₹3,60,000 | ₹4,00,043 | 11.12% | |
| 5 years6.30% annualised | ₹6,00,000 | ₹7,06,797 | 17.80% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.
What is the NAV of Sundaram Liquid Fund?
The NAV of Sundaram Liquid Fund is ₹2,499.35 as on 9 Nov 2026.
What is the expense ratio of Sundaram Liquid Fund?
The expense ratio of Sundaram Liquid Fund is 0.36% per year.
What is the minimum SIP amount for Sundaram Liquid Fund?
You can start a SIP in Sundaram Liquid Fund with ₹3,000 a month.
What returns has Sundaram Liquid Fund given?
Sundaram Liquid Fund has returned 6.4% over 1 year, 6.5% over 3 years and 6.6% over 5 years (annualised).
Is there a lock-in or exit load on Sundaram Liquid Fund?
Lock-in: None. 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..
How risky is Sundaram Liquid Fund?
Sundaram Liquid Fund is rated Moderate on the SEBI riskometer and belongs to the Liquid category.
Which fund house manages Sundaram Liquid Fund?
Sundaram Liquid Fund is managed by Sundaram Mutual Fund, which runs 32 schemes with ₹82,589 Cr under management.