Navi Aggressive Hybrid Fund vs Navi Liquid Fund
Direct Plan, Growth option · Data as on 30-10-2026
Navi Aggressive Hybrid Fund is an Aggressive Hybrid fund and Navi Liquid Fund is a Liquid fund. In the 3 years to 30-10-2026, Navi Aggressive Hybrid Fund (Direct) returned 12.0% a year and Navi Liquid Fund (Direct) returned 0.0% a year. Navi Aggressive Hybrid Fund charges 0.69% a year and Navi Liquid Fund 0.26% (Direct plans). Their portfolios overlap 20.8%: they hold 7 of the same securities.
Navi Aggressive Hybrid Fund
Aggressive Hybrid
- 3 year return
- 12.0%
- Expense ratio
- 0.69%
- NAV
- ₹24.91
Which is better, Navi Aggressive Hybrid or Navi Liquid? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Navi Aggressive Hybrid returned more over 5 years: 10.3% a year against 0.0%.
- Navi Aggressive Hybrid returned more over 3 years: 12.0% a year against 0.0%.
- Navi Liquid costs less: 0.26% a year against 0.69% (Direct plans).
- Navi Liquid swung less over 3 years: a standard deviation of 0.2% a year against 11.4%.
- Navi Liquid fell less in its worst fall since 02-05-2018: −0.1% against −30.6%.
- Navi Aggressive Hybrid is the larger fund: ₹115 Cr against ₹82 Cr.
- Their portfolios overlap 20.8%: 7 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Navi Aggressive Hybrid Fund | Navi Liquid Fund |
|---|---|---|
| Fund house | Navi Mutual Fund | Navi Mutual Fund |
| Category | Aggressive Hybrid | Liquid |
| AUM | ₹115 Cr (30-09-2026) | ₹82 Cr (30-09-2026) |
| NAV | ₹24.91 (Direct) | ₹30.84 (Direct) |
| Expense ratio (Direct) | 0.69% | 0.26% |
| Expense ratio (Regular) | 2.58% | 0.32% |
| Riskometer | Very High | Low to Moderate |
| Benchmark | CRISIL Hybrid 35+65 - Aggressive Index | CRISIL Liquid Debt A-I Index |
| Launch date | 30-04-2018 | 22-02-2010 |
| Minimum investment | ₹100 | ₹100 |
| Lock in | None | None |
| Fund managers | Tanmay Sethi, Ashutosh Shirwaikar | Tanmay Sethi |
| Exit load | NIL | 1 Day 0.0070% 2 Days 0.0065% 3 Days 0.0060% 4 Days 0.0055% 5 Days 0.0050% 6 Days 0.0045% 7 Days or more NIL |
Navi Aggressive Hybrid vs Navi Liquid: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Navi Aggressive Hybrid Fund (Direct) | −2.11% | −2.32% | +4.96% | +3.34% | +12.01% | +10.28% | -- |
| Navi Liquid Fund (Direct) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Aggressive Hybrid average | −0.88% | −3.67% | −0.27% | −3.33% | +10.77% | +9.35% | -- |
| Liquid average | +0.44% | +1.46% | +3.06% | +6.23% | +6.66% | +6.18% | +5.85% |
Category average: the average of the 29 Aggressive Hybrid funds and the 44 Liquid funds, same plan type.
Navi Aggressive Hybrid vs Navi Liquid: Year-wise Returns
| Year | Aggressive HybridNavi Aggressive Hybrid | LiquidNavi Liquid |
|---|---|---|
| 2026to date | +2.81% | 0.00% |
| 2025 | +8.18% | 0.00% |
| 2024 | +15.12% | 0.00% |
| 2023 | +22.50% | 0.00% |
| 2022 | +4.49% | 0.00% |
| 2021 | +23.13% | 0.00% |
Navi Aggressive Hybrid vs Navi Liquid: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 1,355 of them, one for each trading day from 03-05-2021 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Navi Aggressive Hybrid Fund (Direct)
Navi Liquid Fund (Regular)
to
Oct 2021Sept 2019
to
Sept 2022Aug 2020
to
Aug 2023Jul 2021
to
Jul 2024Jul 2022
to
Jul 2025May 2023
to
May 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Navi Aggressive Hybrid | 0.0 | 0.0 | 2.6 | 55.3 | 40.2 | 1.9 | 0.0 | 14.5% | 14.5% | 8.5% | 24.0% |
| Navi Liquid | 0.0 | 41.7 | 58.3 | 0.0 | 0.0 | 0.0 | 0.0 | 5.4% | 5.3% | 3.9% | 6.7% |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. Every fund is measured over the days all of them have, from 02-05-2018. Past returns do not promise future returns.
Navi Aggressive Hybrid vs Navi Liquid: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 02-05-2018 to 30-10-2026: 102 instalments, ₹10,20,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Navi Aggressive HybridNavi Aggressive Hybrid Fund (Direct) | ₹10,20,000 | ₹17,34,447 | ₹7,14,447 | 12.2% |
| Navi LiquidNavi Liquid Fund (Regular) | ₹10,20,000 | ₹13,07,530 | ₹2,87,530 | 5.7% |
Navi Aggressive HybridNavi Aggressive Hybrid Fund (Direct)
Navi LiquidNavi Liquid Fund (Regular)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Navi Aggressive Hybrid vs Navi Liquid: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Navi Aggressive Hybrid Fund (Direct) | Navi Liquid Fund (Direct) |
|---|---|---|
| Return (CAGR) | +3.34% | +5.69% |
| Standard deviation | 12.61% | 0.12% |
| Sharpe ratio | -0.15 | 3.85 |
| Sortino ratio | -0.21 | 8.99 |
| Maximum drawdown | −11.8% (30-03-2026) | 0.0% |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Navi Aggressive Hybrid Fund (Direct) | Navi Liquid Fund (Direct) |
|---|---|---|
| Return (CAGR) | +12.01% | +6.31% |
| Standard deviation | 11.42% | 0.15% |
| Sharpe ratio | 0.52 | 1.85 |
| Sortino ratio | 0.73 | 4.67 |
| Maximum drawdown | −12.5% (03-03-2025) | 0.0% |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Navi Aggressive Hybrid Fund (Direct) | Navi Liquid Fund (Direct) |
|---|---|---|
| Return (CAGR) | +10.28% | +6.07% |
| Standard deviation | 11.10% | 0.15% |
| Sharpe ratio | 0.40 | 1.74 |
| Sortino ratio | 0.55 | 3.94 |
| Maximum drawdown | −12.8% (17-06-2022) | −0.0% (05-05-2022) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 29-10-2021 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Navi Aggressive Hybrid Fund (Direct) | Navi Liquid Fund (Direct) |
|---|---|---|
| Return (CAGR) | +11.34% | +7.00% |
| Standard deviation | 12.89% | 0.22% |
| Sharpe ratio | 0.47 | 3.29 |
| Sortino ratio | 0.63 | 7.58 |
| Maximum drawdown | −30.6% (23-03-2020) | −0.1% (16-07-2013) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 02-05-2018 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Navi Aggressive Hybrid Fund (Direct)
Navi Liquid Fund (Regular)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Navi Aggressive Hybrid Fund (Direct) | −30.6% | 12-02-2020 | 23-03-2020 | 23-11-2020 | 8 months | −4.8% |
| Navi Liquid Fund (Regular) | −0.1% | 17-03-2020 | 24-03-2020 | 27-03-2020 | 3 days | 0.0% |
From daily values since 02-05-2018, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Navi Aggressive Hybrid Fund (Direct)
Navi Liquid Fund (Regular)
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Navi Aggressive Hybrid Fund (Direct)
Navi Liquid Fund (Regular)
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 5-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Navi Aggressive Hybrid Fund (Direct)
Navi Liquid Fund (Regular)
Navi Aggressive Hybrid vs Navi Liquid: Portfolio Overlap
From each fund's latest monthly portfolio: Navi Aggressive Hybrid Fund, September 2026; Navi Liquid Fund, September 2026
Holdings in common
- Overlap
- 20.8%
- Held by both
- 7
- Only in Navi Aggressive Hybrid
- 60
- Only in Navi Liquid
- 9
| Security | % of Navi Aggressive Hybrid | % of Navi Liquid |
|---|---|---|
| PUNJAB NATIONAL BANK (15/12/2026) | 5.14% | 4.84% |
| L&T FINANCE LIMITED (05/11/2026) | 4.31% | 6.09% |
| BANK OF BARODA (06/11/2026) | 3.45% | 7.31% |
| 8.85% POWER GRID CORPORATION OF INDIA LIMITED (19/10/2026) | 2.61% | 8.59% |
| TIME TECHNOPLAST LIMITED (13/11/2026) | 2.58% | 4.86% |
| EXIM BANK (04/11/2026) | 2.16% | 3.05% |
| INDIAN BANK (06/11/2026) | 0.86% | 4.87% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 20.8% means 20.8% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Navi Aggressive Hybrid Fund
| Security | % of fund |
|---|---|
| AXIS BANK LIMITED | 4.14% |
| KOTAK MAHINDRA BANK LIMITED | 3.15% |
| USHA MARTIN LTD | 3.10% |
| HDFC BANK LIMITED | 2.89% |
| RELIANCE INDUSTRIES LIMITED | 2.27% |
Largest holdings only in Navi Liquid Fund
| Security | % of fund |
|---|---|
| 91 DAYS TREASURY BILL 12-NOV-2026 | 12.19% |
| 7.91% SUNDARAM HOME FINANCE LTD (27/11/2026) | 6.14% |
| 7.95% SIKKA PORTS & TERMINALS LIMITED (28/10/2026) | 6.14% |
| 91 DAYS TREASURY BILL 01-OCT-2026 | 6.13% |
| 7.49% NABARD (15/10/2026) | 6.13% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Navi Aggressive Hybrid | Navi Liquid |
|---|---|---|
| Equity | 73.2% | 0.0% |
| Debt | 21.1% | 94.6% |
| Cash and others | 5.7% | 5.4% |
Market cap of stocks
| Market cap | Navi Aggressive Hybrid | Navi Liquid |
|---|---|---|
| Large Cap | 25.0% | -- |
| Mid Cap | 14.2% | -- |
| Small Cap | 34.1% | -- |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Navi Aggressive Hybrid | Navi Liquid |
|---|---|---|
| BANKS | 14.2% | 0.0% |
| AUTO COMPONENTS | 9.4% | 0.0% |
| CAPITAL MARKETS | 8.0% | 0.0% |
| HEALTHCARE SERVICES | 4.8% | 0.0% |
| CONSUMER DURABLES | 3.8% | 0.0% |
| INDUSTRIAL PRODUCTS | 3.5% | 0.0% |
The six largest sectors of each fund's stocks, % of the fund.
Navi Aggressive Hybrid vs Navi Liquid: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Navi Aggressive Hybrid Fund | Navi Liquid Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.69% | 0.26% |
| Base expense ratio (Direct) | 0.49% | 0.22% |
| Total expense ratio (Regular) | 2.58% | 0.32% |
| Base expense ratio (Regular) | 2.10% | 0.27% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Compare Navi Aggressive Hybrid with
Navi Aggressive Hybrid Fund vs Navi Liquid Fund: Frequently Asked Questions
What is the difference between Navi Aggressive Hybrid Fund and Navi Liquid Fund?
Navi Aggressive Hybrid Fund is an Aggressive Hybrid fund, Navi Liquid Fund is a Liquid fund, run by Navi Mutual Fund. Their portfolios overlap 20.8%. Navi Aggressive Hybrid Fund charges 0.69% a year and Navi Liquid Fund 0.26%.
Which has given higher returns, Navi Aggressive Hybrid Fund or Navi Liquid Fund?
Over 1 year: Navi Aggressive Hybrid Fund +3.34%, Navi Liquid Fund 0.00%. Over 3 years: Navi Aggressive Hybrid Fund +12.01% a year, Navi Liquid Fund 0.00% a year. Over 5 years: Navi Aggressive Hybrid Fund +10.28% a year, Navi Liquid Fund 0.00% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Navi Aggressive Hybrid Fund or Navi Liquid Fund?
Navi Liquid Fund charges less: 0.26% a year against 0.69%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Navi Aggressive Hybrid Fund and Navi Liquid Fund overlap?
20.8%. They hold 7 of the same securities, the largest shared ones being PUNJAB NATIONAL BANK (15/12/2026), L&T FINANCE LIMITED (05/11/2026), BANK OF BARODA (06/11/2026). From each fund's latest monthly portfolio.
Which is riskier, Navi Aggressive Hybrid Fund or Navi Liquid Fund?
On SEBI's riskometer, Navi Aggressive Hybrid Fund is rated Very High and Navi Liquid Fund Low to Moderate. Over 3 years, the standard deviation of daily returns was 11.42% and 0.15% a year.
Which is better for SIP, Navi Aggressive Hybrid Fund or Navi Liquid Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹7,97,869 in Navi Aggressive Hybrid Fund (XIRR 10.5% a year) and ₹7,15,038 in Navi Liquid Fund (XIRR 6.2% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both Navi Aggressive Hybrid Fund and Navi Liquid Fund?
Yes. 20.8% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Navi Aggressive Hybrid Fund and Navi Liquid Fund?
Navi Aggressive Hybrid Fund: Tanmay Sethi, Ashutosh Shirwaikar. Navi Liquid Fund: Tanmay Sethi.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.