November 24, 2025
RA Jainee
SBI Liquid Fund details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by sahifund.com
NAV Growth: Rs 4,217.0223
Weekly NAV IDCW: Rs 1,385.4972
Fortnightly NAV IDCW: Rs 1,377.0695
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 provide the investors an opportunity to invest in the entire range of debt and money market securities with residual maturity upto 91 days only.
Fund Manager:
1) Rajeev Radhakrishnan
Education: Mr. Radhakrishnan is B.E (Production), MMS (Finance) and CFA.
Experience: Prior to joining SBI AMC he has worked with UTI Asset Management Company Ltd.
Investment Details
| Min. Investment (₹) | 500 |
| Min. Addl Investment (₹) | 500 |
| Min. SIP Investment (₹) | 500 |
| Min. Withdrawal (₹) | 500 |
| Min. No of Cheques | 12 |
| Min. Balance (₹) | — |
| 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 SBI Liquid Fund
| Fund House | SBI Mutual Fund |
| Launch Date | 01-Jan-13 |
| Return Since Launch | 6.80% |
| Benchmark | NIFTY Liquid Index A-I |
| Riskometer | Moderate |
| Type | Open-ended |
| Assets | ₹71,092 Cr |
| (As on 31-Oct-2025) | |
| Expens | 0.19% |
| (As on 31-Oct-2025) | |
| Risk Grade | — |
| Return Grade | Below Average |
| Return Grade | Average |
Trailing Returns (%)
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| SBI Liquid Dir | 5.86 | 0.02 | 0.49 | 1.44 | 2.98 | 6.64 | 7.02 | 5.76 | 5.74 | 6.18 |
| CCIL T Bill Liquidity Weight | 4.22 | 0.02 | 0.28 | 0.92 | 2.04 | 4.66 | 4.61 | 3.63 | 3.70 | 3.87 |
| Debt: Liquid | 5.84 | 0.02 | 0.49 | 1.45 | 2.98 | 6.64 | 7.01 | 5.76 | 5.74 | 6.18 |
| Rank within category | 28 | 21 | 32 | 30 | 30 | 29 | 25 | 25 | 21 | 20 |
| Number of funds in category | 38 | 41 | 41 | 40 | 38 | 38 | 35 | 34 | 31 | 29 |
Peer Comparison of SBI Liquid Fund
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| SBI Liquid Dir | 5.86 | 0.02 | 0.49 | 1.44 | 2.98 | 6.64 | 7.02 | 5.76 | 5.74 | 6.18 |
| CCIL T Bill Liquidity Weight | 4.22 | 0.02 | 0.28 | 0.92 | 2.04 | 4.66 | 4.61 | 3.63 | 3.70 | 3.87 |
| Debt: Liquid | 5.84 | 0.02 | 0.49 | 1.45 | 2.98 | 6.64 | 7.01 | 5.76 | 5.74 | 6.18 |
| Rank within category | 28 | 21 | 32 | 30 | 30 | 29 | 25 | 25 | 21 | 20 |
| Number of funds in category | 38 | 41 | 41 | 40 | 38 | 38 | 35 | 34 | 31 | 29 |
Portfolio Breakup
| Fund | Category | |
| Number of Securities | 145 | 72 |
| Macaulay Duration (yrs) | 0.10 | 0.08 |
| Average Maturity (yrs) | 0.10 | 0.14 |
| Yield to Maturity (%) | 5.99 | 5.86 |
| Avg Credit Rating | AAA | — |
Chanakya’s Mutual Fund Guidance For SBI Liquid Fund
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