Sundaram Liquid Fund
LiquidModerateOPEN-ENDED
- NAV as on 24 Sep 2026
- ₹2,481.59+0.01%1 day
- Return since launch
- 6.9%
- 52-week range
- ₹2,333.21 — ₹2,481.46
- AUM
- ₹9,094 Cr
Sundaram Liquid Fund is a Liquid debt fund from Sundaram Mutual Fund with ₹9,094 Cr under management, launched in 2004. Over three years it has returned 6.6% a year, against 6.8% 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 +6.4% against +6.3% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 6.6% | +0.3 pts | 6.3% | 6.4% |
| 2Y | 6.4% | +0.1 pts | 6.4% | 6.4% |
| 3Y | 6.6% | −0.2 pts | 6.8% | 6.5% |
| 5Y | 6.6% | +0.4 pts | 6.2% | 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 | 1.6% | +0.1 pts | 1.6% | 1.6% |
| 6M | 3.5% | +0.1 pts | 3.4% | 3.4% |
| 1Y | 6.3% | 0.0 pts | 6.3% | 6.3% |
| 2Y | 6.5% | 0.0 pts | 6.5% | 6.5% |
| 3Y | 6.8% | 0.0 pts | 6.8% | 6.7% |
| 5Y | 6.2% | 0.0 pts | 6.2% | 6.2% |
| 7Y | 5.6% | 0.0 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 22 Sep 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 | 4.30 | 4.97 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 8.91 | 9.82 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 0.22 | 0.20 | 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 31 Aug 2026
Asset allocation
- Debt84.5%
- Other15.5%
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 15.75% | ₹1,432 Cr | +11.39% | +0.86% | +0.66% |
| Export-Import Bank Of India | Financial | 3.81% | ₹346 Cr | +2.61% | — | +2.76% |
| Small Industries Devp. Bank of India Ltd. | Financial | 2.75% | ₹250 Cr | +2.60% | +1.60% | +2.77% |
| National Bank For Agriculture & Rural Development | Financial | 2.20% | ₹200 Cr | +0.65% | +1.98% | +1.38% |
| company:11821 | Financial | 2.17% | ₹197 Cr | — | — | — |
| Tata Power Company Ltd. | Energy | 1.65% | ₹150 Cr | — | — | +1.05% |
| PNB Housing Finance Ltd. | Financial | 1.63% | ₹148 Cr | +1.29% | — | +1.04% |
| ICICI Bank Ltd. | Financial | 1.37% | ₹125 Cr | — | — | — |
| LIC Housing Finance Ltd. | Financial | 1.10% | ₹99.87 Cr | — | — | +0.70% |
| Motilal Oswal Finevest Ltd. | Financial | 1.10% | ₹99.81 Cr | — | — | — |
| Grasim Industries Ltd. | Materials | 1.10% | ₹99.73 Cr | — | — | — |
| Bharat Petroleum Corporation Ltd. | Energy | 1.10% | ₹99.61 Cr | — | — | — |
| IDBI Bank Ltd. | Financial | 1.09% | ₹99.54 Cr | +1.61% | — | — |
| Reserve Bank of India | Financial | 1.09% | ₹99.19 Cr | +1.88% | +1.20% | +1.38% |
| Julius Baer Capital India Pvt Ltd. | Financial | 1.09% | ₹99.02 Cr | +0.65% | +0.79% | +1.03% |
| Union Bank of India | Financial | 1.09% | ₹99.00 Cr | +0.64% | +1.19% | — |
| company:13645 | Financial | 1.09% | ₹98.85 Cr | — | — | +0.70% |
| HDFC Bank Ltd. | Financial | 1.09% | ₹98.76 Cr | +0.64% | +0.80% | +1.39% |
| company:18894 | Financial | 1.09% | ₹98.69 Cr | +1.30% | — | +0.69% |
| company:16765 | Financial | 1.08% | ₹98.63 Cr | — | +0.79% | — |
| company:570 | Consumer Discretionary | 1.08% | ₹98.62 Cr | +0.65% | — | +0.69% |
| IIFL Finance Ltd. | Financial | 1.08% | ₹98.59 Cr | — | +0.79% | — |
| company:5492 | Construction | 1.08% | ₹98.54 Cr | — | — | — |
| Central Bank of India | Financial | 1.08% | ₹98.54 Cr | +1.31% | +1.19% | — |
| UCO Bank | Financial | 0.82% | ₹74.99 Cr | — | +0.80% | — |
| Punjab National Bank | Financial | 0.82% | ₹74.96 Cr | +1.96% | +1.20% | +0.70% |
| HDFC Securities Ltd. | Financial | 0.82% | ₹74.72 Cr | +0.64% | +0.32% | +0.69% |
| Godrej Industries Ltd. | Consumer Staples | 0.81% | ₹74.05 Cr | +0.98% | +1.20% | +1.05% |
| Bajaj Financial Securities Ltd. | Financial | 0.81% | ₹73.91 Cr | — | +0.80% | +0.69% |
| Motilal Oswal Financial Services Ltd. | Financial | 0.81% | ₹73.85 Cr | +1.30% | +0.79% | +1.04% |
| JM Financial Services Pvt. Ltd. | Financial | 0.77% | ₹69.86 Cr | — | — | — |
| HSBC InvestDirect Financial Services India Ltd. | Financial | 0.65% | ₹59.32 Cr | +0.64% | — | — |
| L&T Finance Ltd. | Financial | 0.55% | ₹50.00 Cr | — | — | — |
| Reliance Retail Ventures Ltd. | Services | 0.55% | ₹49.99 Cr | +0.65% | +1.58% | +0.69% |
| The Federal Bank Ltd. | Financial | 0.55% | ₹49.98 Cr | — | +1.20% | +1.38% |
| Bank of India | Financial | 0.55% | ₹49.98 Cr | — | +1.19% | +0.70% |
| Fedbank Financial Services Ltd. | Financial | 0.55% | ₹49.94 Cr | — | — | +0.69% |
| Tata Projects Ltd. | Construction | 0.55% | ₹49.94 Cr | — | — | — |
| Network 18 Media & Investments Ltd. | Services | 0.55% | ₹49.92 Cr | +1.31% | +1.58% | +0.70% |
| SBICAP Securities Ltd. | Financial | 0.55% | ₹49.91 Cr | +0.64% | +1.20% | +0.69% |
| Axis Bank Ltd. | Financial | 0.55% | ₹49.87 Cr | +0.64% | +1.19% | +1.38% |
| ICICI Home Finance Company Ltd. | Financial | 0.55% | ₹49.82 Cr | +1.30% | +1.19% | +1.04% |
| Indian Oil Corporation Ltd. | Energy | 0.55% | ₹49.80 Cr | +2.28% | — | +1.73% |
| REC Ltd. | Financial | 0.54% | ₹49.56 Cr | +1.30% | — | — |
| IGH Holdings Pvt. Ltd. | Communication | 0.54% | ₹49.36 Cr | +0.32% | — | +1.38% |
| Aditya Birla Money Ltd. | Financial | 0.54% | ₹49.24 Cr | — | +0.80% | +0.69% |
| Kotak Mahindra Securities Ltd. | Financial | 0.54% | ₹49.24 Cr | — | +1.60% | +0.69% |
| Canara Bank | Financial | 0.54% | ₹49.23 Cr | +1.96% | +0.80% | +1.38% |
| Birla Group Holdings Pvt. Ltd. | Financial | 0.54% | ₹49.22 Cr | +0.64% | +1.20% | +1.39% |
| ICICI Securities Ltd. | Financial | 0.54% | ₹49.21 Cr | +0.65% | +0.80% | +1.03% |
| Bajaj Finance Ltd. | Financial | 0.27% | ₹25.00 Cr | +0.98% | +0.80% | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Export-Import Bank Of India | 0.94% | 3.26% | +2.32% |
| company:11821 | 0.00% | 2.17% | +2.17% |
| company:13645 | 0.00% | 1.09% | +1.09% |
| company:18894 | 0.00% | 1.09% | +1.09% |
| company:16765 | 0.00% | 1.08% | +1.08% |
| company:570 | 0.00% | 1.08% | +1.08% |
| company:5492 | 0.00% | 1.08% | +1.08% |
| HDB Financial Services Ltd. | 0.94% | 0.00% | -0.94% |
| Tata Steel Ltd. | 0.94% | 0.00% | -0.94% |
| PNB Housing Finance Ltd. | 0.70% | 1.63% | +0.93% |
| Bharti Telecom Ltd. | 0.70% | 0.00% | -0.70% |
| HDFC Bank Ltd. | 0.47% | 1.09% | +0.62% |
| Punjab National Bank | 0.23% | 0.82% | +0.59% |
| Godrej Consumer Products Ltd. | 0.47% | 0.00% | -0.47% |
| Axis Securities Ltd. | 0.47% | 0.00% | -0.47% |
| Hindustan Petroleum Corporation Ltd. | 0.47% | 0.00% | -0.47% |
| Sharekhan Ltd. | 0.47% | 0.00% | -0.47% |
| Bank Of Baroda | 0.47% | 0.00% | -0.47% |
| Indusind Bank Ltd. | 0.47% | 0.00% | -0.47% |
| Pilani Investment And Industries Corporation Ltd. | 0.47% | 0.00% | -0.47% |
| AU Small Finance Bank Ltd. | 0.47% | 0.00% | -0.47% |
| Kotak Mahindra Securities Ltd. | 0.93% | 0.54% | -0.39% |
| HDFC Securities Ltd. | 0.47% | 0.82% | +0.35% |
| Motilal Oswal Financial Services Ltd. | 0.47% | 0.81% | +0.35% |
| Bajaj Financial Securities Ltd. | 0.47% | 0.81% | +0.34% |
| National Bank For Agriculture & Rural Development | 1.87% | 2.20% | +0.33% |
| Small Industries Devp. Bank of India Ltd. | 1.87% | 2.20% | +0.33% |
| ICICI Home Finance Company Ltd. | 0.23% | 0.55% | +0.31% |
| IGH Holdings Pvt. Ltd. | 0.23% | 0.54% | +0.31% |
| TVS Credit Services Ltd. | 0.28% | 0.00% | -0.28% |
| Tata Power Company Ltd. | 1.40% | 1.65% | +0.25% |
| Indian Bank | 0.23% | 0.00% | -0.23% |
| ICICI Bank Ltd. | 1.17% | 1.37% | +0.20% |
| Motilal Oswal Finevest Ltd. | 0.93% | 1.10% | +0.16% |
| Grasim Industries Ltd. | 0.93% | 1.10% | +0.16% |
| LIC Housing Finance Ltd. | 0.93% | 1.10% | +0.16% |
| Julius Baer Capital India Pvt Ltd. | 0.92% | 1.09% | +0.16% |
| Bharat Petroleum Corporation Ltd. | 0.93% | 1.10% | +0.16% |
| IDBI Bank Ltd. | 0.93% | 1.09% | +0.16% |
| Union Bank of India | 0.92% | 1.09% | +0.16% |
| IIFL Finance Ltd. | 0.92% | 1.08% | +0.16% |
| Reserve Bank of India | 0.93% | 1.09% | +0.16% |
| ICICI Securities Ltd. | 0.70% | 0.54% | -0.16% |
| Axis Bank Ltd. | 0.70% | 0.55% | -0.15% |
| Central Bank of India | 0.93% | 1.08% | +0.15% |
| Bajaj Finance Ltd. | 0.42% | 0.27% | -0.15% |
| UCO Bank | 0.70% | 0.82% | +0.12% |
| JM Financial Services Pvt. Ltd. | 0.65% | 0.77% | +0.12% |
| Godrej Industries Ltd. | 0.70% | 0.81% | +0.11% |
| HSBC InvestDirect Financial Services India Ltd. | 0.55% | 0.65% | +0.10% |
| Fedbank Financial Services Ltd. | 0.47% | 0.55% | +0.08% |
| L&T Finance Ltd. | 0.47% | 0.55% | +0.08% |
| Tata Projects Ltd. | 0.47% | 0.55% | +0.08% |
| Reliance Retail Ventures Ltd. | 0.47% | 0.55% | +0.08% |
| The Federal Bank Ltd. | 0.47% | 0.55% | +0.08% |
| Bank of India | 0.47% | 0.55% | +0.08% |
| Network 18 Media & Investments Ltd. | 0.47% | 0.55% | +0.08% |
| Indian Oil Corporation Ltd. | 0.47% | 0.55% | +0.08% |
| REC Ltd. | 0.46% | 0.54% | +0.08% |
| SBICAP Securities Ltd. | 0.47% | 0.55% | +0.08% |
| Aditya Birla Money Ltd. | 0.47% | 0.54% | +0.07% |
| Canara Bank | 0.47% | 0.54% | +0.07% |
| Birla Group Holdings Pvt. Ltd. | 0.47% | 0.54% | +0.07% |
| Others | 0.17% | 0.20% | +0.03% |
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 | ₹22,488 Cr | 0.19% | 6.7% | 6.7% | 6.7% |
 Axis Liquid Fund | ₹63,343 Cr | 0.23% | 6.7% | 6.7% | 6.7% |
 DSP Liquid Fund | ₹27,920 Cr | 0.21% | 6.6% | 6.7% | 6.7% |
 Edelweiss Liquid Fund | ₹13,272 Cr | 0.17% | 6.6% | 6.7% | 6.7% |
 Franklin India Liquid Fund | ₹6,082 Cr | 0.20% | 6.7% | 6.7% | 6.7% |
 Bank of India Liquid Fund | ₹1,825 Cr | 0.15% | 6.7% | 6.7% | 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 months3.46% absolute | ₹60,000 | ₹62,076 | 3.46% | |
| 1 year6.35% annualised | ₹1,20,000 | ₹1,24,209 | 3.51% | |
| 3 years6.80% annualised | ₹3,60,000 | ₹4,00,360 | 11.21% | |
| 5 years6.24% annualised | ₹6,00,000 | ₹7,05,671 | 17.61% |
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 ₹2,481.59 as on 24 Sep 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 6.6% over 1 year, 6.6% 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 ₹76,995 Cr under management.