Aditya Birla Sun Life Liquid Fund Direct Growth

Aditya Birla Sun Life Liquid Fund Direct Growth

+7.00%
3Y annualised
+0.02% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 11 Oct '26
₹461.42
Min. for SIP
₹100
Fund size (AUM)
₹61,166.54 Cr
Expense ratio
0.21%
Rating
5

Return calculator

Monthly investment
₹5,000
Over the pastTotal investmentWould've becomeHistoric returnsReturns
1 year₹60,000₹61,842
+3.07%
3 years₹1,80,000₹1,98,418
+10.23%
5 years₹3,00,000₹3,54,598
+18.20%
10 years₹6,00,000₹8,20,333
+36.72%

Holdings (192)

NameSectorInstrumentsAssets
GOVERNMENT OF INDIA 37816 091 DAYS TBILL 05NV26 FV RS 100FinancialTreasury Bills3.74%
AXIS BANK LIMITED CD 26NOV26FinancialCertificate of Deposit2.15%
HDFC BANK LIMITED CD 14DEC26FinancialCertificate of Deposit2.06%
GOVERNMENT OF INDIA 37830 091 DAYS TBILL 12NV26 FV RS 100FinancialTreasury Bills1.91%
HDFC BANK LIMITED CD 06NOV26FinancialCertificate of Deposit1.87%
City Union Bank Ltd. (08/12/2026) **#FinancialCertificate of Deposit1.85%
Hindustan Petroleum Corporation Ltd. (30/10/2026) **Energy & UtilitiesCommercial Paper1.79%
UNION BANK OF INDIA CD 01OCT26FinancialCertificate of Deposit1.72%
GOVERNMENT OF INDIA 37342 182 DAYS TBILL 08OT26 FV RS 100FinancialTreasury Bills1.67%
GOVERNMENT OF INDIA 36582 364 DAYS TBILL 08OT26 FV RS 100FinancialTreasury Bills1.63%
Punjab & Sind Bank (11/12/2026) **#FinancialCertificate of Deposit1.61%
The Jammu & Kashmir Bank Ltd. (09/12/2026) **#FinancialCertificate of Deposit1.61%
INDUSIND BANK LTD. CD 14DEC26FinancialCertificate of Deposit1.61%
GOVERNMENT OF INDIA 37642 091 DAYS TBILL 08OT26 FV RS 100FinancialTreasury Bills1.59%
EXPORT IMPORT BANK OF INDIA 91D CP 04NOV26FinancialCommercial Paper1.58%
Central Bank of India (02/12/2026) **#FinancialCertificate of Deposit1.58%
91 DAYS TBILL RED 10-12-2026FinancialTreasury Bills1.53%
182 Days Tbill (MD 17/12/2026)FinancialTreasury Bills1.50%
Reliance Retail Ventures Limited (27/11/2026) **DiversifiedCommercial Paper1.50%
Reliance Industries LimitedEnergy & UtilitiesCommercial Paper1.45%
91 DTB (24-DEC-2026)FinancialTreasury Bills1.45%
Tata Steel Ltd. (MD 05/11/2026)**MaterialsCommercial Paper1.30%
GOVERNMENT OF INDIA 37846 091 DAYS TBILL 19NV26 FV RS 100FinancialTreasury Bills1.30%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT 90D CP 01OCT26FinancialCommercial Paper1.27%
PUNJAB & SIND BANK CD 17NOV26FinancialCertificate of Deposit1.22%
YES BANK LIMITED CD 18NOV26FinancialCertificate of Deposit1.22%
National Bank For Agriculture & Rural Development CPFinancialCommercial Paper1.17%
LIC Housing Finance Limited**FinancialCommercial Paper1.17%
The Federal Bank Limited (11/11/2026) **FinancialCertificate of Deposit1.14%
Central Bank of India - 04/12/2026**FinancialCertificate of Deposit1.13%
Bajaj Financial Securities Ltd. (09/12/2026) **FinancialCommercial Paper1.13%
Motilal Oswal Financial Services Limited**FinancialCommercial Paper1.09%
TATA TELESERVICES LIMITED 364D CP 17NOV26TechnologyCommercial Paper1.05%
BANK OF BARODA CD 04DEC26FinancialCertificate of Deposit1.05%
Reverse RepoUnspecifiedReverse Repo0.91%
UNION BANK OF INDIA CD 12OCT26FinancialCertificate of Deposit0.90%
GOVERNMENT OF INDIA 36692 364 DAYS TBILL 06NV26 FV RS 100FinancialTreasury Bills0.81%
ADANI PORTS AND SPECIAL ECONOMIC ZONE LIMITED 91D CP 06NOV26IndustrialsCommercial Paper0.81%
THE KARUR VYSYA BANK LIMITED CD 17NOV26FinancialCertificate of Deposit0.81%
YES BANK LIMITED CD 17NOV26FinancialCertificate of Deposit0.81%
JM FINANCIAL CREDIT SOLUTIONS LIMITED 91D CP 11NOV26FinancialCommercial Paper0.81%
JSW ENERGY LIMITED 90D CP 17NOV26Energy & UtilitiesCommercial Paper0.81%
Central Bank of India (27/11/2026) **#FinancialCertificate of Deposit0.81%
BANK OF INDIA CD RED 03-12-2026#**FinancialCertificate of Deposit0.81%
Karur Vysya Bank Ltd. (07/12/2026) **#FinancialCertificate of Deposit0.81%
JSW Energy Ltd. (07/12/2026) **Energy & UtilitiesCommercial Paper0.81%
HDFC Bank Ltd.**FinancialCertificate of Deposit0.81%
ICICI Securities Ltd. (07/12/2026) **FinancialCommercial Paper0.81%
IIFL Finance Ltd. (07/12/2026) **FinancialCommercial Paper0.80%
IIFL Finance Ltd. (10/12/2026) **FinancialCommercial Paper0.80%
AXIS BANK LIMITED CD 16DEC26FinancialCertificate of Deposit0.77%
Can Fin Homes Limited (23/12/2026) **FinancialCommercial Paper0.77%
DCB Bank Ltd. (30/11/2026) **#FinancialCertificate of Deposit0.65%
Yes Bank Limited**FinancialCertificate of Deposit0.65%
Motilal Oswal Financial Services Limited**FinancialCommercial Paper0.65%
Tata Realty and Infrastructure Ltd. (04/12/2026) **IndustrialsCommercial Paper0.60%
TATA HOUSING DEVELOPMENT COMPANY LIMITED 91D CP 30NOV26IndustrialsCommercial Paper0.57%
ICICI Securities Limited 2026 **FinancialCommercial Paper0.56%
Nuvama Wealth Finance Limited (04/12/2026) **FinancialCommercial Paper0.56%
** - ANGEL ONE LTD - CP - 08/12/2026FinancialCommercial Paper0.56%
L&T METRO RAIL (HYDERABAD) LIMITED 91D CP 09NOV26IndustrialsCommercial Paper0.56%
UCO BANK CD 04NOV26FinancialCertificate of Deposit0.53%
EXPORT IMPORT BANK OF INDIA 143D CP 11DEC26FinancialCommercial Paper0.52%
NTPC LIMITED 91D CP 05OCT26Energy & UtilitiesCommercial Paper0.49%
182 Days T-Bill (MD 29/10/2026)FinancialTreasury Bills0.49%
KNOWLEDGE REALTY TRUST 88D CP 06NOV26Real EstateCommercial Paper0.49%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT CD 10NOV26FinancialCertificate of Deposit0.49%
LIC Housing Finance Ltd (11-Nov-2026) **FinancialCommercial Paper0.49%
GOVERNMENT OF INDIA 37457 182 DAYS TBILL 27NV26 FV RS 100FinancialTreasury Bills0.49%
DSP FINANCE PRIVATE LIMITED 91D CP 17NOV26FinancialCommercial Paper0.49%
AU Small Finance Bank Ltd. (04/12/2026) **#FinancialCertificate of Deposit0.48%
SBICAP Securities Ltd. (11/12/2026) **FinancialCommercial Paper0.48%
360 ONE WAM Ltd. (07/12/2026) **FinancialCommercial Paper0.48%
JSW Energy Ltd. (16/12/2026) **Energy & UtilitiesCommercial Paper0.48%
THE FEDERAL BANK LIMITED CD 15OCT26FinancialCertificate of Deposit0.41%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT 91D CP 13NOV26FinancialCommercial Paper0.41%
TATA COMMUNICATIONS LIMITED 91D CP 17NOV26TechnologyCommercial Paper0.41%
CANARA BANK CD 23NOV26FinancialCertificate of Deposit0.41%
THE KARUR VYSYA BANK LIMITED CD 23NOV26FinancialCertificate of Deposit0.40%
Small Industries Development Bank of India (01/12/2026) **FinancialCommercial Paper0.40%
TATA REALTY AND INFRASTRUCTURE LIMITED 91D CP 30NOV26IndustrialsCommercial Paper0.40%
TITAN COMPANY LTD. CP 03-12-26**Consumer DiscretionaryCommercial Paper0.40%
Indian Oil Corporation Limited (08/12/2026) **Energy & UtilitiesCommercial Paper0.40%
INFINA FINANCE PRIVATE LIMITED 361D CP 30NOV26FinancialCommercial Paper0.40%
RELIANCE IND CP RED 10-12-2026Energy & UtilitiesCommercial Paper0.40%
ICICI SECURITIES CP 04-12-26**FinancialCommercial Paper0.40%
Central Bank of India (11/12/2026) **#FinancialCertificate of Deposit0.40%
Kotak Securities Limited (09/12/2026) **FinancialCommercial Paper0.40%
CAN FIN HOMES LTD.**FinancialCommercial Paper0.40%
Nuvama Wealth & Investment Ltd. (03/12/2026) **FinancialCommercial Paper0.40%
ICICI Securities Ltd. (11/12/2026) **FinancialCommercial Paper0.40%
KOTAK MAHINDRA BANK LIMITED CD 21DEC26FinancialCertificate of Deposit0.40%
DSP Finance Pvt. Ltd. (07/12/2026) **FinancialCommercial Paper0.40%
TORRENT PHARMACEUTICALS LTD 337D CP 22DEC26HealthcareCommercial Paper0.40%
Manappuram Finance Ltd. (17/12/2026) **FinancialCommercial Paper0.40%
DSP Finance Pvt. Ltd. (24/12/2026) **FinancialCommercial Paper0.40%
GOVERNMENT OF INDIA 37629 091 DAYS TBILL 01OT26 FV RS 100FinancialTreasury Bills0.38%
JM FINANCIAL SERVICES LIMITED 91D CP 05NOV26FinancialCommercial Paper0.37%
MUTHOOT FINANCE LIMITED 357D CP 23NOV26FinancialCommercial Paper0.36%
INDIAN BANK CD 04DEC26FinancialCertificate of Deposit0.36%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CD 04DEC26FinancialCertificate of Deposit0.36%
Tata Housing Development Co. Ltd. (16/12/2026) **IndustrialsCommercial Paper0.36%
91 DTB (17-DEC-2026)FinancialTreasury Bills0.35%
INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 172A 7.41 BD 15OT26 FVRS1LACFinancialDebenture0.33%
TATA PROJECTS LIMITED 91D CP 09OCT26IndustrialsCommercial Paper0.33%
ANGEL ONE LIMITED 91D CP 04NOV26FinancialCommercial Paper0.32%
BAJAJ FINANCIAL SECURITIES LIMITED 118D CP 12NOV26FinancialCommercial Paper0.32%
BAJAJ FINANCIAL SECURITIES LIMITED 91D CP 13NOV26FinancialCommercial Paper0.32%
GOVERNMENT OF INDIA 37861 091 DAYS TBILL 27NV26 FV RS 100FinancialTreasury Bills0.32%
Avenue Supermarts Ltd. (18/11/2026) **Consumer StaplesCommercial Paper0.32%
DSP FINANCE PRIVATE LIMITED 91D CP 12NOV26FinancialCommercial Paper0.32%
MANAPPURAM FINANCE LIMITED 91D CP 16NOV26FinancialCommercial Paper0.32%
DCB Bank Ltd. (02/12/2026) **#FinancialCertificate of Deposit0.32%
Sharekhan Ltd. (27/11/2026) **FinancialCommercial Paper0.32%
HDFC Securities Limited**FinancialCommercial Paper0.32%
SBICAP Securities Ltd. (04/12/2026) **FinancialCommercial Paper0.32%
CESC Ltd. (15/12/2026) **Energy & UtilitiesCommercial Paper0.32%
DSP Finance Pvt. Ltd. (04/12/2026) **FinancialCommercial Paper0.32%
Godrej Properties Ltd. (17/12/2026) **Real EstateCommercial Paper0.32%
DSP Finance Pvt. Ltd. (14/12/2026) **FinancialCommercial Paper0.32%
DSP Finance Pvt. Ltd. (16/12/2026) **FinancialCommercial Paper0.32%
DSP Finance Pvt. Ltd. (18/12/2026) **FinancialCommercial Paper0.32%
360 One Prime Ltd. (24/12/2026) **FinancialCommercial Paper0.32%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CD 06NOV26FinancialCertificate of Deposit0.31%
Others Class A2 AIFUnspecifiedAlternative Investment Fund0.28%
BANK OF BARODA CD 05NOV26FinancialCertificate of Deposit0.28%
AU SMALL FINANCE BANK LIMITED CD 06NOV26FinancialCertificate of Deposit0.28%
INDIAN BANK CD 15DEC26FinancialCertificate of Deposit0.28%
DSP Finance Pvt. Ltd. (22/12/2026) **FinancialCommercial Paper0.28%
TATA HOUSING DEVELOPMENT COMPANY LIMITED 91D CP 11NOV26IndustrialsCommercial Paper0.27%
AXIS BANK LIMITED CD 07DEC26FinancialCertificate of Deposit0.25%
SUNDARAM HOME FINANCE LIMITED SR 342 7.9123 NCD 27NV26 FVRS1LACFinancialNon Convertible Debenture0.25%
GOVERNMENT OF INDIA 37705 091 DAYS TBILL 29OT26 FV RS 100FinancialTreasury Bills0.24%
MANAPPURAM FINANCE LIMITED 74D CP 30OCT26FinancialCommercial Paper0.24%
BANK OF BARODA CD 25NOV26FinancialCertificate of Deposit0.24%
FEDBANK FINANCIAL SERVICES LIMITED 91D CP 17NOV26FinancialCommercial Paper0.24%
GIC HOUSING FINANCE LIMITED 91D CP 27NOV26FinancialCommercial Paper0.24%
CTBC BANKCO., LTD. CD 01DEC26FinancialCertificate of Deposit0.24%
AU SMALL FINANCE BANK LIMITED CD 03DEC26FinancialCertificate of Deposit0.24%
Godrej Properties Ltd. (10/12/2026) **Real EstateCommercial Paper0.24%
Alembic Pharmaceuticals Ltd. (10/12/2026) **HealthcareCommercial Paper0.24%
ASEEM INFRASTRUCTURE FINANCE LIMITED 365D CP 04DEC26FinancialCommercial Paper0.24%
BAHADUR CHAND INVESTMENTS PRIVATE LIMITED 220D CP 04DEC26FinancialCommercial Paper0.24%
Nuvama Wealth & Investment Ltd. (17/12/2026) **FinancialCommercial Paper0.24%
Angel One Ltd. (17/12/2026) **FinancialCommercial Paper0.24%
Tata Housing Development Co. Ltd. (16/11/2026) **IndustrialsCommercial Paper0.23%
GOVERNMENT OF INDIA 37449 182 DAYS TBILL 19NV26 FV RS 100FinancialTreasury Bills0.22%
INDIAN BANK CD 06NOV26FinancialCertificate of Deposit0.20%
DSP Finance Pvt. Ltd. (21/12/2026) **FinancialCommercial Paper0.20%
STATE DEVELOPMENT LOAN 33669 GUJ 29NV26 7.58 FV RS 100IndustrialsState Development Loan0.20%
Nirma Ltd. (07/12/2026) **Consumer StaplesCommercial Paper0.19%
Cholamandalam Securities Ltd. (04/12/2026) **FinancialCommercial Paper0.18%
West Bengal State SDL 7.42 09/11/2026UnspecifiedState Development Loan0.17%
Karnataka State SDL 7.08 14/12/2026UnspecifiedState Development Loan0.17%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CD 27OCT26FinancialCertificate of Deposit0.16%
SBICAP SECURITIES LIMITED 91D CP 27NOV26FinancialCommercial Paper0.16%
JULIUS BAER CAPITAL (INDIA) PRIVATE LIMITED 362D CP 30NOV26FinancialCommercial Paper0.16%
Godrej Properties Ltd. (08/12/2026) **Real EstateCommercial Paper0.16%
Godrej Properties Ltd. (09/12/2026) **Real EstateCommercial Paper0.16%
MANAPPURAM FINANCE LIMITED 365D CP 03DEC26FinancialCommercial Paper0.16%
Godrej Properties Ltd. (11/12/2026) **Real EstateCommercial Paper0.16%
SBICAP Securities Limited (08/12/2026) **FinancialCommercial Paper0.16%
SBICAP Securities Limited 2026 **FinancialCommercial Paper0.16%
GOVERNMENT OF INDIA 37424 182 DAYS TBILL 05NV26 FV RS 100FinancialTreasury Bills0.15%
Gujarat State SDL 7.05 14/12/2026IndustrialsState Development Loan0.14%
BANK OF BARODA CD 07DEC26FinancialCertificate of Deposit0.12%
PUNJAB NATIONAL BANK CD 15DEC26FinancialCertificate of Deposit0.12%
Godrej Industries Ltd. (16/12/2026) **DiversifiedCommercial Paper0.12%
Godrej Industries Ltd. (17/12/2026) **DiversifiedCommercial Paper0.12%
JM Financial Services Ltd - 11/12/2026**FinancialCommercial Paper0.12%
Godrej Industries Ltd. (23/12/2026) **DiversifiedCommercial Paper0.12%
JM Financial Services Ltd. (16/12/2026) **FinancialCommercial Paper0.12%
TATA TELESERVICES (MAHARASHTRA) LTD 91D CP 09NOV26TechnologyCommercial Paper0.11%
REC LIMITED SR 237 7.55 BD 31OT26 FVRS1LACFinancialDebenture0.10%
GOVERNMENT OF INDIA 36645 364 DAYS TBILL 23OT26 FV RS 100FinancialTreasury Bills0.10%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA 91D CP 28OCT26FinancialCommercial Paper0.08%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CD 10NOV26FinancialCertificate of Deposit0.08%
IDBI CAPITAL MARKETS & SECURITIES LIMITED 86D CP 06NOV26FinancialCommercial Paper0.08%
HDFC BANK LIMITED CD 19NOV26FinancialCertificate of Deposit0.08%
AXIS BANK LIMITED CD 27NOV26FinancialCertificate of Deposit0.08%
AU SMALL FINANCE BANK LIMITED CD 25NOV26FinancialCertificate of Deposit0.08%
CANARA BANK CD 08DEC26FinancialCertificate of Deposit0.08%
INFINA FINANCE PRIVATE LIMITED 126D CP 04DEC26FinancialCommercial Paper0.08%
Mirae Asset Financial Service (03/12/2026) **FinancialCommercial Paper0.08%
Tata Housing Development Company Limited 2026 **IndustrialsCommercial Paper0.08%
Manappuram Finance Ltd. (16/12/2026) **FinancialCommercial Paper0.08%
KOTAK MAHINDRA PRIME LIMITED 8.09 NCD 09NV26 FVRS1LACFinancialDebenture0.04%
BAJAJ FINANCE LIMITED 365D CP 04NOV26FinancialCommercial Paper0.04%
BANK OF BARODA CD 15DEC26FinancialCertificate of Deposit0.04%
IDBI Capital Markets & Securities Ltd. (14/12/2026) **FinancialCommercial Paper0.04%
Odisha State Government Securities (14/12/2026)FinancialState Development Loan0.01%
Net PayablesUnspecifiedNet Payables-8.31%
See All

Minimum investments

Min. for 1st investment
₹100
Min. for 2nd investment
₹100
Min. for SIP
₹100

Returns and rankings

Annualised returns
Absolute returns
Name3Y5Y10YAll
Fund returns+7.0%+6.5%+6.2%+6.9%
Category average (Debt Liquid)+6.8%+6.3%+6.0%+6.9%
Rank (Debt Liquid)113--

Exit load, stamp duty and tax

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.

Stamp duty on investment: 0.005% (from July 1st, 2020)

from July 1st 2020

Tax implication

Returns are taxed as per your Income Tax slab.
Check past data

Fund management

SP
Sanjay Pawar
Jul 2022 - Present
View details

SDC
Sunaina da Cunha
Jan 2013 - Present
View details

Education
Ms. Cunha is a B.Com (H) and MBA from FMS, Delhi.
Experience
Prior to joining Aditya Birla Sun Life Asset Management Company, she has worked with Aditya Birla Management Corporation Ltd.

About Aditya Birla Sun Life Liquid Fund Direct Growth

Aditya Birla Sun Life Liquid Fund Direct Growth is a Debt Mutual Fund Scheme launched by Aditya Birla Sun Life Mutual Fund. This scheme was made available to investors on 23 Dec 1994. Sanjay Pawar is the Current Fund Manager of Aditya Birla Sun Life Liquid Fund Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹4,43,789 Cr and the Latest NAV as of 11 Oct 2026 is ₹461.42. The Aditya Birla Sun Life Liquid Fund Direct Growth is rated Moderate risk. Minimum SIP Investment is set to ₹100. Minimum Lumpsum Investment is ₹100. 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. ;

Investment Objective

The scheme seeks to provide high liquidity and safety with reasonable returns through investments in debt and money market instruments.
Fund benchmarkNIFTY Liquid Index A-I

Fund house

Rank (total assets)#4 in India
Total AUM₹4,43,788.75 Cr
Date of Incorporation23 Dec 1994
Launch Date23 Dec 1994
AddressOne World Center, Tower 1, 17th Floor, Jupiter Mill CompoundSenapati Bapat Marg, Elphinstone Road Mumbai 400013
Custodian--
Registrar & Transfer AgentCams
Address7th Floor, Tower II, Rayala Towers, 158, Anna Salai,