May 24, 2025
mayank
HDFC Liquid Fund details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by sahifund.com
NAV Growth: Rs 5,146.3673
Weekly NAV IDCW: Rs 1,031.9168
NAV IDCW Monthly: Rs 1,030.8604
Suitable For Which Investors?
“Liquid funds invest in bonds having maturity of up to three months. They are suitable to park the amount you have set aside to meet any emergency needs or any surplus money that you don’t need for a few weeks up to a year. You can expect to earn better returns than what you would get from a bank account.
The risk of incurring a loss in these funds is negligible but they do not guarantee returns or safety of capital. Though rare, there have been few instances when liquid funds have incurred losses.
Remember, these funds are geared to deliver only marginally higher returns than your bank account. They deliver steady, but low returns and are not suitable to build wealth in the long run.”
Fund’s Investment Strategy:
The scheme seeks to generate income through a portfolio comprising money market and debt instruments.
Fund Manager:
1) Anupam Joshi
Education: Mr. Joshi is a PGDM in Business Management.
Experience: Prior to joining HDFC Mutual Fund he has worked with IDFC AMC, Principal Asset Management Company and ICAP India Pvt. Ltd.
2) Swapnil Jangam
Education: Mr. Jangam has done B.Com, CA and CFA Level III.
Experience: Prior to Joining HDFC Mutual Fund, he has worked with M.P. Chitale and Co. and EY.
Investment Details
| Min. Investment (Rs) | 100 |
| Min. Addl Investment (Rs) | 100 |
| Min. SIP Investment (Rs) | 100 |
| Min. Withdrawal (Rs) | 5,000 |
| Min. No of Cheques | 6 |
| Min. Balance (Rs) | 1 |
| Lock-in Period | NA |
| 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. |
Basic Details of HDFC Liquid Fund
| Fund House | HDFC Mutual Fund |
| Launch Date | 01-Jan-13 |
| Return Since Launch | 6.84% |
| Benchmark | CRISIL Liquid Debt A-I Index |
| Riskometer | Low to Moderate |
| Type | Open-ended |
| Assets | Rs 73,780 Cr |
| (As on 30-Apr-2025) | |
| Expense | 0.20% |
| (As on 30-Apr-2025) | |
| Risk Grade | — |
| Return Grade | Below Average |
Trailing Returns (%) of HDFC Liquid Fund
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| HDFC Liquid Dir | 2.88 | 0.02 | 0.52 | 1.81 | 3.61 | 7.32 | 6.95 | 5.49 | 5.84 | 6.28 |
| CCIL T Bill Liquidity Weight | 2.27 | 0.04 | 0.50 | 1.52 | 2.67 | 5.22 | 4.48 | 3.47 | 3.73 | 3.95 |
| Debt: Liquid | 2.82 | 0.02 | 0.52 | 1.76 | 3.56 | 7.26 | 6.92 | 5.49 | 5.83 | 6.29 |
| Rank within category | 11 | 1 | 30 | 8 | 14 | 23 | 23 | 26 | 22 | 22 |
| Number of funds in category | 38 | 38 | 38 | 38 | 38 | 37 | 35 | 34 | 31 | 29 |
Peer Comparison of HDFC Liquid Fund
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | |
| HDFC Liquid Dir | 2 star | 7.32 | 6.95 | 5.49 | 0.20 | 73,780 | 6.84 | 0.01 (1) | 12Y 4M |
| ABSL Liquid Dir | 5 star | 7.39 | 7.04 | 5.59 | 0.21 | 53,912 | 6.94 | 0.01 (1) | 12Y 4M |
| Axis Liquid Dir | 4 star | 7.39 | 7.02 | 5.56 | 0.09 | 39,069 | 6.90 | 0.01 (1) | 12Y 4M |
| DSP Liquidity Dir | 4 star | 7.38 | 6.98 | 5.53 | 0.10 | 17,845 | 6.87 | 0.01 (1) | 12Y 4M |
| Mirae Asset Liquid Dir | 4 star | 7.35 | 6.99 | 5.50 | 0.09 | 12,485 | 6.74 | 0.01 (1) | 12Y 4M |
Portfolio Breakup
| Fund | Category | |
| Number of Securities | 106 | 68 |
| Macaulay Duration (yrs) | 0.13 | 0.10 |
| Average Maturity (yrs) | 0.14 | 0.10 |
| Yield to Maturity (%) | 6.50 | 6.25 |
| Avg Credit Rating | AAA | — |
Chanakya’s Mutual Fund Guidance For HDFC Liquid Fund
WILL Post Soon
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