Motilal Oswal Liquid Fund

LiquidDirect and Regular plans

Data as on 30-10-2026

Motilal Oswal Liquid Fund is a Liquid fund run by Motilal Oswal Mutual Fund. On 30-09-2026, it managed ₹1,016 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 6.5% a year and its Regular plan returned 6.3% a year and its Fund plan returned 0.0% a year.

NAV (Direct plan): ₹15.05; ▲ 0.02%30-10-2026
NAV (Regular plan): ₹14.86; ▲ 0.02%30-10-2026
NAV: ₹10.00; ▲ 0.00%30-10-2026
Expense ratio: 0.20%Direct0.41%Regular0.20%Fund; 0.20%; A year
Riskometer: Low; Set by the fund house
3 year return: 6.5%Direct6.3%Regular0.0%Fund; 6.5%; A year

Motilal Oswal Liquid Fund NAV Today

NAV on 30-10-2026: Direct Plan ₹15.05 (up 0.02% that day); Regular Plan ₹14.86 (up 0.02% that day); ₹10.00 (up 0.00% that day).

This fund

₹10.00

Motilal Oswal Liquid Fund Returns vs Liquid Funds

Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.

Trailing returns
Period	1M	3M	6M	1Y	3Y	5Y	10Y
This fund (Direct)	+0.40%	+1.38%	+2.95%	+6.05%	+6.50%	+6.03%	--
This fund (Regular)	+0.38%	+1.32%	+2.84%	+5.84%	+6.32%	+5.86%	--
This fund	0.00%	0.00%	0.00%	0.00%	0.00%	--	--
Liquid average	+0.44%	+1.46%	+3.06%	+6.23%	+6.66%	+6.18%	--
Best in Liquid	+0.48%	+1.54%	+3.26%	+6.54%	+6.96%	+6.47%	--
Worst in Liquid	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	--
Rank in Liquid	42/43	39/42	37/42	36/40	34/36	33/34	--

Category rows compare the Direct plans of 44 Liquid funds. Rank 1 is the highest return. This fund's benchmark is CRISIL Liquid Debt A-I Index. Returns of that index are not available to us, so the category average is the comparison.

Motilal Oswal Liquid Fund Year-wise Returns

Return of each calendar year
Year	Direct	Regular	This fund
2026to date	+5.02%	+4.84%	0.00%
2025	+6.22%	+6.03%	0.00%
2024	+7.05%	+6.89%	0.00%
2023	+6.70%	+6.54%	0.00%
2022	+4.57%	+4.42%	--
2021	+3.09%	+2.93%	--

Motilal Oswal Liquid Fund Rolling Returns

The return of every holding period in the fund's history, not only the one that ends today

Rolling returns

Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 340 periods, one for each trading day from 19-09-2025 to 30-10-2026.

0%0.1%

Oct 2022
to
Oct 2025Dec 2022
to
Dec 2025Mar 2023
to
Mar 2026May 2023
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May 2026Jul 2023
to
Jul 2026Sept 2023
to
Sept 2026

Motilal Oswal Liquid Fund

Every holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss	Category median	Beat category
1 year	947	0.0%	0.0%	0.0%	0%	3.8%	0%
2 years	644	0.0%	0.0%	0.0%	0%	3.9%	0%
3 years	340	0.0%	0.0%	0.0%	0%	--	--

Period	Periods	Median	Lowest	Highest	With a loss	Category median	Beat category
1 year	38	−0.0%	−0.0%	−0.0%	100%	3.8%	0%
2 years	26	0.0%	0.0%	0.0%	0%	--	--

Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat category" counts the periods in which the fund did better than the average of the 5 Liquid funds (each weighted the same) over the same days. Past returns do not promise future returns.

Motilal Oswal Liquid Fund Risk

How much it swings, and the falls an investor had to sit through

Risk and return

Measure	Motilal Oswal Liquid FundThis fund	Category average
Return (CAGR)	0.00%	+3.69%
Standard deviation	0.00%	0.11%
Sharpe ratio	--	-13.99
Sortino ratio	-17.92	-14.28
Maximum drawdown	0.0%	−0.01% (22-10-2026)

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.

Measure	Motilal Oswal Liquid FundThis fund	Category average
Return (CAGR)	0.00%	--
Standard deviation	0.00%	--
Sharpe ratio	--	--
Sortino ratio	-17.95	--
Maximum drawdown	0.0%	--

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.

Measure	Motilal Oswal Liquid FundThis fund	Category average
Return (CAGR)	0.00%	+3.92%
Standard deviation	0.00%	0.09%
Sharpe ratio	--	-23.55
Sortino ratio	-17.99	-17.11
Maximum drawdown	0.0%	−0.01% (22-10-2026)

From daily NAVs, 19-09-2022 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.

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.

−0.1%0%

2023202420252026

Motilal Oswal Liquid FundCategory average, 5 Liquid funds

	Worst fall	High before it	Bottom	Back at the high	Time to climb back	Below its high today
Motilal Oswal Liquid Fund	0.0%	--	--	--	--	0.0%
Category average	−0.01%	20-10-2026	22-10-2026	25-10-2026	3 days	0.0%

From the fund's daily NAV since 19-09-2022, adjusted for unit splits, and the average of the 5 Liquid funds (each weighted the same) over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.

Motilal Oswal Liquid Fund vs Other Liquid Funds

The five Liquid funds with the best three year return, and this fund. Direct plans.

Fund name	Rank	AUM (Cr)	Exp. ratio	1Y return	3Y return	3Y alpha	3Y beta	3Y Sharpe	3Y Sortino
Aditya Birla Sun Life Liquid Fund	1/36	61,167	0.21%	+6.52%	+6.96%	--	--	6.22	17.25	Compare
Axis Liquid Fund	1/36	53,470	0.13%	+6.54%	+6.96%	--	--	6.39	19.90	Compare
Edelweiss Liquid Fund	1/36	11,741	0.10%	+6.50%	+6.96%	--	--	6.45	18.56	Compare
Franklin India Liquid Fund	4/36	4,811	0.14%	+6.52%	+6.95%	--	--	6.51	21.25	Compare
Sundaram Liquid Fund	4/36	6,727	0.14%	+6.53%	+6.95%	--	--	6.03	18.56	Compare
Motilal Oswal Liquid Fund	34/36	1,016	0.20%	+6.05%	+6.50%	--	--	2.76	6.44

AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.

Motilal Oswal Liquid Fund Expense Ratio and Costs

What each plan charges a year, in force from 01-09-2026

Plan	Base expense ratio	Brokerage	Transaction costs	Levies and GST	Total expense ratio	Liquid median	Cost rank (1 = cheapest)
Direct	0.17%	0.00%	0.00%	0.03%	0.20%	0.14%	34/43
Regular	0.35%	0.00%	0.00%	0.06%	0.41%	0.25%	42/43
Fund	0.17%	0.00%	0.00%	0.03%	0.20%	0.14%	34/43

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, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Liquid funds' plans of the same type are sorted from the lowest total expense ratio to the highest.

Direct vs Regular: what the gap cost

Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.

Over the last	Regular	Direct	Direct earned more by	₹1 lakh became (Regular)	₹1 lakh became (Direct)
1 year	5.84%	6.05%	0.21%	₹1,05,840	₹1,06,050
3 years	6.32%	6.50%	0.18% a year	₹1,20,184	₹1,20,795
5 years	5.86%	6.03%	0.17% a year	₹1,32,941	₹1,34,012

Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.

Motilal Oswal Liquid Fund SIP Calculator

What a one-time or monthly investment in this fund would be worth today, from its own NAV history

Growth of an investment

Every month₹

Step up each year

PeriodFor

₹10,000 on the first trading day of every month, from 01-12-2023 to 30-10-2026: 35 instalments, ₹3,50,000 in all.

Investment	Invested	Value now	Gain	Return a year
This fundMotilal Oswal Liquid Fund	₹3,50,000	₹3,50,000	₹0	−0.0%
Category averageCategory average, 5 Liquid funds	₹3,50,000	₹3,70,131	₹20,131	3.8%

₹0₹1.0 L₹2.0 L₹3.0 L₹4.0 L

202420252026

This fundMotilal Oswal Liquid FundCategory averageCategory average, 5 Liquid fundsAmount invested

From each plan's published NAV (Growth option) and the category average, 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.

Motilal Oswal Liquid Fund Asset Allocation

Asset allocation as on 30-09-2026

What the fund holds

97.7%Debt

Asset	Fund	Category
Debt	97.7%	98.4%
Cash and others	2.3%	3.9%

Credit rating

Bonds and money market papers by credit rating, % of the fund. Category: the average of 5 Liquid funds.

Rating	Fund	Category
Sovereign	24.5%	19.1%
AAA and A1+	73.3%	79.0%

Motilal Oswal Liquid Fund Portfolio Holdings

As on 30-09-2026 · 22 holdings · from the fund house's monthly portfolio

Holdings	Rating	Weight%
91 Days Tbill (MD 08/10/2026) · Treasury bill	SOVEREIGN	9.83%
91 Days Tbill (MD 10/12/2026) · Treasury bill	SOVEREIGN	9.74%
Bajaj Finance Limited 2026 · Commercial paper	CRISIL A1+	4.91%
Poonawalla Fincorp Limited 2026 · Commercial paper	CRISIL A1+	4.91%
364 Days Tbill (MD 06/11/2026) · Treasury bill	SOVEREIGN	4.90%
HDFC Bank Limited 2026 · Certificate of deposit	CARE A1+	4.89%
National Bank For Agriculture and Rural Development 2026 · Certificate of deposit	FITCH A1+	4.89%
Bank of Baroda 2026 · Certificate of deposit	FITCH A1+	4.89%
Export Import Bank of India 2026 · Certificate of deposit	CRISIL A1+	4.89%
Canara Bank 2026 · Certificate of deposit	CRISIL A1+	4.88%
Axis Bank Limited 2026	CRISIL A1+	4.87%
Small Industries Dev Bank of India 2026 · Commercial paper	CRISIL A1+	4.87%
Kotak Mahindra Bank Limited 2026	CRISIL A1+	4.86%
Indian Oil Corporation Limited 2026 · Commercial paper	CRISIL A1+	4.86%
Bharat Petroleum Corporation Limited 2026 · Commercial paper	CRISIL A1+	4.86%
HDB Financial Services Limited 2026 · Commercial paper	CRISIL A1+	2.46%
L&T Finance Limited 2026 · Commercial paper	CRISIL A1+	2.45%
Indian Bank 2026 · Certificate of deposit	CRISIL A1+	2.45%
Indian Bank 2026 · Certificate of deposit	CRISIL A1+	2.45%
Union Bank of India 2026 · Certificate of deposit	ICRA A1+	2.43%
Cholamandalam Investment and Finance Company Ltd 2026 · Commercial paper	ICRA A1+	2.43%
Corporate Debt Market Development Fund Class A2		0.33%

Motilal Oswal Liquid Fund Portfolio Overlap

Funds with the most similar portfolios, across every fund house and category

Fund	Overlap	Holdings in common
Quant Liquid FundLiquid · quant	18.7%	4	Compare
Bank of India Liquid FundLiquid · Bank of India	18.2%	7	Compare
Mirae Asset Liquid FundLiquid · Mirae Asset	16.5%	14	Compare
Edelweiss Liquid FundLiquid · Edelweiss	15.0%	7	Compare
Quantum Liquid FundLiquid · Quantum	12.3%	4	Compare
Parag Parikh Liquid FundLiquid · PPFAS	11.2%	4	Compare

Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.

Motilal Oswal Liquid Fund Overview

Fund facts from the scheme summary document, as on 16-10-2026

Expense ratio (Direct): 0.20%
Expense ratio (Regular): 0.41%
Expense ratio: 0.20%
Category: Liquid
Risk: Low
Benchmark: CRISIL Liquid Debt A-I Index
Launch date: 20-12-2018
Minimum investment: INF247L01874
Minimum additional investment: MOTO/O/D/LIF/18/11/0012
AUM: ₹1,015.91 Cr (30-09-2026)
Lock in: None
Scheme code (Direct): 145834
ISIN (Direct): INF247L01734
Scheme code (Regular): 145946
ISIN (Regular): INF247L01726
Scheme code: 147442
ISIN: Not available
NAV history: From 19-09-2022, 4.1 years

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.

Tax on Motilal Oswal Liquid Fund returns

Motilal Oswal Liquid Fund is taxed as a debt fund: 65% or more of it is in bonds and money market papers.
For units bought on or after 01-04-2023, the gain is added to your income and taxed at your slab rate, however long you hold the units.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.

Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.

All plans and options

Plan	NAV	As on
	₹10.00	30-10-2026
	₹14.6604	30-10-2026
	₹10.00	30-10-2026
	₹14.3686	30-10-2026
direct	₹15.051	30-10-2026
direct	₹10.4528	30-10-2026
direct	₹10.0171	30-10-2026
direct	₹10.03	30-10-2026
direct	₹10.0077	30-10-2026
direct	₹10.0058	30-10-2026
regular	₹14.8645	30-10-2026
regular	₹10.0055	30-10-2026
regular	₹10.0166	30-10-2026
regular	₹10.03	30-10-2026
regular	₹10.4354	30-10-2026
regular	₹10.013	30-10-2026

About Motilal Oswal Liquid Fund

Motilal Oswal Liquid Fund is a mutual fund from Motilal Oswal Mutual Fund. Its category is Liquid. It was launched on 20-12-2018. Its benchmark is CRISIL Liquid Debt A-I Index. At the end of September 2026 it held 22 securities.

Fund Manager

Rakesh Shetty
Fund manager of Motilal Oswal Liquid Fund, since 22-11-2022

See all funds of Motilal Oswal Mutual Fund

AUM change

September 2026: ₹1,015.91 Cr; +0.09% from August 2026
August 2026: ₹1,014.99 Cr; +5.09% from July 2026
July 2026: ₹965.86 Cr; +3.89% from June 2026

AUM moves with money invested or taken out, and with the value of what the fund holds.

Compare Motilal Oswal Liquid Fund with Other Funds

Returns, risk, costs and the stocks they share, side by side

Motilal Oswal Liquid vs Aditya Birla Sun Life LiquidLiquid
Motilal Oswal Liquid vs Axis LiquidLiquid
Motilal Oswal Liquid vs Edelweiss Liquid15.0% overlap
Motilal Oswal Liquid vs Franklin India LiquidLiquid
Motilal Oswal Liquid vs Sundaram LiquidLiquid
Motilal Oswal Liquid vs Quant Liquid18.7% overlap
Motilal Oswal Liquid vs Bank of India Liquid18.2% overlap
Motilal Oswal Liquid vs Mirae Asset Liquid16.5% overlap

Compare with any other fund

Frequently Asked Questions for Motilal Oswal Liquid Fund

What is the current NAV of Motilal Oswal Liquid Fund?

The Direct plan NAV is ₹15.051. The Regular plan NAV is ₹14.8645. The NAV is ₹10.00, as on 30-10-2026.

What are the returns of Motilal Oswal Liquid Fund?

The Direct plan returned +6.05% in 1 year, +6.50% a year over 3 years, +6.03% a year over 5 years. The Regular plan returned +5.84% in 1 year, +6.32% a year over 3 years, +5.86% a year over 5 years. The fund returned 0.00% in 1 year, 0.00% a year over 3 years. These figures are as on 30-10-2026.

What is the expense ratio of Motilal Oswal Liquid Fund?

The Direct plan charges 0.20% a year. The Regular plan charges 0.41% a year. The fund charges 0.20% a year. This is the figure the fund house reported to AMFI, in force from 01-09-2026.

What is the AUM of Motilal Oswal Liquid Fund?

Motilal Oswal Liquid Fund managed ₹1,015.91 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.

What are the top holdings of Motilal Oswal Liquid Fund?

At the end of September 2026 the largest holdings were 91 Days Tbill (MD 08/10/2026) (9.83%), 91 Days Tbill (MD 10/12/2026) (9.74%), Bajaj Finance Limited 2026 (4.91%), Poonawalla Fincorp Limited 2026 (4.91%), 364 Days Tbill (MD 06/11/2026) (4.90%). The fund held 22 securities in all.

How do I invest in Motilal Oswal Liquid Fund?

Through Motilal Oswal Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least INF247L01874. You can invest once or through a monthly SIP.

Who is the fund manager of Motilal Oswal Liquid Fund?

Rakesh Shetty (since 22-11-2022).

What is the exit load of Motilal Oswal Liquid Fund?

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.

Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.

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.