JM Liquid Fund Direct Growth

Debt
Liquid
Low to Moderate Risk
7.00%
3Y annualised
+0.01% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 20 Jul 2025₹72.25
Min. SIP amount₹100
Rating2
Fund size₹1,908.97Cr

Return calculator

Monthly SIP
One-Time
₹5,000 per month
Over the past
Total investment of 0
Would have become (%)

Holdings (33)

NameSectorInstrumentAssets
Export-Import Bank Of India
FinancialCP5.21%
Small Industries Devp. Bank of India Ltd.
FinancialCP5.19%
Bank Of Baroda
FinancialCD5.19%
Punjab National Bank
FinancialCD5.18%
Godrej Agrovet Ltd.
Consumer StaplesCP3.90%
Canara Bank
FinancialCD3.63%
Piramal Finance Ltd.
FinancialCP2.61%
ICICI Home Finance Company Ltd.
FinancialCP2.60%
Reliance Retail Ventures Ltd.
ServicesCP2.60%
Aditya Birla Capital Ltd.
FinancialCP2.60%
Reserve Bank of India
FinancialT-Bills2.60%
Axis Bank Ltd.
FinancialCD2.60%
SBI Cards And Payment Services Ltd.
FinancialCP2.60%
Godrej Properties Ltd.
ConstructionCP2.60%
Reliance Retail Ventures Ltd.
ServicesCP2.60%
360 ONE Wealth Ltd.
FinancialCP2.59%
Bajaj Housing Finance Ltd.
FinancialCP2.59%
Indian Bank
FinancialCD2.59%
Export-Import Bank Of India
FinancialCP2.59%
Canara Bank
FinancialCD2.59%
Indian Oil Corporation Ltd.
EnergyCP2.59%
Small Industries Devp. Bank of India Ltd.
FinancialCP2.59%
Reserve Bank of India
FinancialT-Bills2.59%
ICICI Securities Ltd.
FinancialCP2.59%
Axis Bank Ltd.
FinancialCD2.59%
Bajaj Finance Ltd.
FinancialCP2.58%
Reserve Bank of India
FinancialT-Bills2.49%
ICICI Securities Ltd.
FinancialCP2.34%
NTPC Ltd.
EnergyCP1.31%
Reserve Bank of India
FinancialT-Bills0.26%
Reserve Bank of India
FinancialT-Bills0.16%
Reserve Bank of India
FinancialT-Bills0.15%
Reserve Bank of India
FinancialT-Bills0.10%
See All

Minimum investment amounts

Min. for 1st investment₹1,000
Min. for 2nd investment onwards₹100
Min. for SIP₹100

Returns and rankings

Category: Debt Liquid
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns7.1%7.0%5.6%6.9%
Category average6.8%6.8%5.4%NA
Rank with in category292624NA
Understand terms

Peer Comparison

Expense ratio, exit load and tax

Expense ratio: 0.16%

Inclusive of GST

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

0.005% (from July 1st, 2020)

Tax implication

Returns are taxed as per your Income Tax slab.

Understand terms
Check past data

Fund management

Killol Pandya
Nov 2024 - Present
View details

Education
Mr. Pandya is a B.Com (H) from N.M College of Commerce, DPCM from ICFAI and MMS (Finance) from K.J. Somaiya Institute of Management Studies and Research.
Experience
Prior to joining JM Financial Asset Management Limited he has worked with Barclays Securities India Private Ltd,Peerless Funds Management Co. Limited, LIC Nomura Mutual Fund AMC , Daiwa Asset Management (India) Pvt. Ltd., SBI Funds Management Pvt Ltd., IL&FS Investsmart Ltd. and Darashaw & Co. Pvt. Ltd.
Also manages these schemes

Naghma Khoja
Oct 2021 - Present
View details

Education
She is B.Com, CA and CFA
Experience
Before joining JM Financial AMC, she was associated with Karvy Capital Limited.
Also manages these schemes

Ruchi Fozdar
Apr 2024 - Present
View details

Education
Ms. Ruchi is a graduate in science and PGDBM in finance
Experience
Prior to joining JM Mutual Fund, she was associated with few brokers and institutions like Reliance Life Insurance Co. Ltd. and Mahindra Manulife Mutual Fund
Also manages these schemes

Fund house & investment objective

Fund house contact details

Address
Office B-8th Floor-Cnergy,Appasaheb Marathe Marg,Prabhadevi, Mumbai 400025
Phone
022-33797777 / 1800-103-8345
Launch Date
15 Sep 1994
E-mail
NA
JM Financial Mutual Fund
Asset Management Company
Custodian
HDFC Bank
Registrar & Transfer Agent
KFin Tech
Address
Karvy House, No. 46, 8-2-609/K, Avenue 4, Street No.1 Banjara Hills,

Pros and cons

Category: Debt Liquid

Pros

Consistently higher annualised returns than category average for the past 1Y, 3Y, 5Y and 10Y
Average credit rating of the fund's holdings: AAA This fund has holdings of the highest quality
Higher alpha: 1.87 The fund has generated returns higher than benchmark - CRISIL Liquid Debt A-I Index - in the last 3Y

Cons

Higher expense ratio: 0.16%
Low rating: 2

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