August 19, 2025
RA Jainee
Union Liquid Fund details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by sahifund.com
NAV Growth: Rs 2,562.9945
Weekly NAV IDCW: Rs 1,002.1667
Monthly NAV IDCW: Rs 1,004.7015
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 reasonable returns commensurate with lower risk and high level of liquidity through a portfolio of money market and debt securities.
Fund Manager:
1) Devesh Thacker
Education: Mr. Thacker is a B.Com (H) and Post graduate from University of Pune.
Experience: Prior to joining Union AMC in 2011 he has worked with Sahara AMC.
2) Parijat Agrawal
Education: Mr. Agrawal is a B.Tech and MBA from IIM Bangalore.
Experience: Prior to joining Union Mutual Fund, he has worked with SBI Mutual Fund, State Bank of Mauritius ltd. and SUN F&C Asset Management.
Investment Details
| Min. Investment (Rs) | 5,000 |
| Min. Addl Investment (Rs) | 1,000 |
| Min. SIP Investment (Rs) | 500 |
| Min. Withdrawal (Rs) | 1,000 |
| 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 Union Liquid Fund
| Fund House | Union Mutual Fund |
| Launch Date | 01-Jan-13 |
| Return Since Launch | 6.54% |
| Benchmark | CRISIL Liquid Debt A-I Index |
| Riskometer | Low to Moderate |
| Type | Open-ended |
| Assets | Rs 4,538 Cr |
| (As on 31-Jul-2025) | |
| Expense | 0.07% |
| (As on 31-Jul-2025) | |
| Risk Grade | — |
| Return Grade | Above Average |
Trailing Returns (%) of Union Liquid Fund
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| Union Liquid Dir | 4.34 | 0.02 | 0.47 | 1.54 | 3.34 | 7.09 | 7.10 | 5.69 | 5.31 | 5.88 |
| CCIL T Bill Liquidity Weight | 3.23 | 0.02 | 0.32 | 1.17 | 2.53 | 4.92 | 4.55 | 3.57 | 3.73 | 3.91 |
| Debt: Liquid | 4.28 | 0.02 | 0.47 | 1.52 | 3.30 | 6.99 | 7.01 | 5.62 | 5.78 | 6.23 |
| Rank within category | 16 | 37 | 13 | 22 | 20 | 14 | 6 | 10 | 31 | 27 |
| Number of funds in category | 38 | 40 | 40 | 38 | 38 | 37 | 35 | 34 | 31 | 29 |
Peer Comparison of Union 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 | |
| Union Liquid Dir | 4 star | 7.09 | 7.10 | 5.69 | 0.07 | 4,538 | 6.54 | 0.01 (1) | 12Y 7M |
| ABSL Liquid Dir | 5 star | 7.11 | 7.13 | 5.71 | 0.21 | 51,913 | 6.93 | 0.01 (1) | 12Y 7M |
| Axis Liquid Dir | 5 star | 7.13 | 7.11 | 5.69 | 0.12 | 36,757 | 6.89 | 0.01 (1) | 12Y 7M |
| Nippon India Liquid Dir | 4 star | 7.09 | 7.09 | 5.68 | 0.20 | 35,388 | 6.90 | 0.01 (1) | 12Y 7M |
| DSP Liquidity Dir | 4 star | 7.10 | 7.08 | 5.66 | 0.10 | 22,245 | 6.85 | 0.01 (1) | 12Y 7M |
Portfolio Breakup
| Fund | Category | |
| Number of Securities | 81 | 72 |
| Macaulay Duration (yrs) | 0.16 | 0.13 |
| Average Maturity (yrs) | 0.16 | 0.12 |
| Yield to Maturity (%) | 5.92 | 5.83 |
| Avg Credit Rating | AAA | — |
Chanakya’s Mutual Fund Guidance For Union Liquid Fund
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