November 19, 2025
RA Jainee
Unifi Liquid Fund details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by sahifund.com
NAV Growth: ₹ 1,026.3668
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 invest in money market and debt instruments with maturities of up to 91 days with an objective to provide a high level of liquidity and reasonable returns.
Fund Manager:
1) Saravanan V N
Education: B. Com. from Loyola College (affiliated to Madras University), Chartered Accountant (ICAI)
Experience: Prior to joining Unifi MF he worked for ICICI Bank, Aithent technologies and PWC in their compliance, risk management and audit departments
2) Karthik Srinivas
Education: Chartered Accountant (ICAI, CFA.
Experience: Prior to joining Unifi MF he was associated with Sanmar Group and Deloitte in their Risk Advisory practice.
Investment Details
| Min. Investment (₹) | 5,000 |
| Min. Addl Investment (₹) | 1,000 |
| Min. SIP Investment (₹) | 1,000 |
| Min. Withdrawal (₹) | 1 |
| Min. No of Cheques | 6 |
| 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 Unifi Liquid Fund
| Fund House | Unifi Mutual Fund |
| Launch Date | 11-Jun-25 |
| Return Since Launch | 2.64% |
| Benchmark | NIFTY Liquid Index A-I |
| Riskometer | Moderate |
| Type | Open-ended |
| Assets | ₹ 142 Cr |
| (As on 31-Oct-2025) | |
| Expense | 0.14% |
| (As on 31-Oct-2025) | |
| Risk Grade | — |
| Return Grade | — |
Trailing Returns (%) of Unifi Liquid Fund
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| Unifi Liquid Dir | — | 0.02 | 0.48 | 1.49 | — | — | — | — | — | — |
| CCIL T Bill Liquidity Weight | — | 0.02 | 0.27 | 0.88 | — | — | — | — | — | — |
| Debt: Liquid | — | 0.02 | 0.49 | 1.45 | — | — | — | — | — | — |
| Rank within category | — | 34 | 38 | 1 | — | — | — | — | — | — |
| Number of funds in category | 38 | 41 | 41 | 40 | 38 | 37 | 35 | 34 | 31 | 29 |
Peer Comparison of Unifi 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 | |
| Unifi Liquid Dir | Unrated | — | — | — | 0.14 | 142 | 2.64 | 0.01 (1) | 5M |
| ABSL Liquid Dir | 5 star | 6.78 | 7.14 | 5.84 | 0.21 | 56,938 | 6.91 | 0.01 (1) | 12Y 10M |
| Axis Liquid Dir | 5 star | 6.78 | 7.11 | 5.82 | 0.14 | 35,360 | 6.87 | 0.01 (1) | 12Y 10M |
| Nippon India Liquid Dir | 4 star | 6.75 | 7.09 | 5.81 | 0.20 | 30,230 | 6.88 | 0.01 (1) | 12Y 10M |
| Tata Liquid Dir | 4 star | 6.77 | 7.08 | 5.79 | 0.20 | 22,366 | 6.88 | 0.01 (1) | 12Y 10M |
Portfolio Breakup
| Fund | Category | |
| Number of Securities | 5 | 72 |
| Macaulay Duration (yrs) | 0.10 | 0.11 |
| Average Maturity (yrs) | 0.10 | 0.12 |
| Yield to Maturity (%) | 6.20 | 5.85 |
| Avg Credit Rating | AAA | — |
Chanakya’s Mutual Fund Guidance For Unifi Liquid Fund
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Disclaimer: Mutual fund investments are subject to market risks. Read all scheme related documents carefully
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