Navi Liquid Fund is a Liquid fund run by Navi Mutual Fund. On 30-09-2026, it managed ₹82 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 0.0% a year and its Regular plan returned 6.3% a year.
NAV on 30-10-2026: Direct Plan ₹30.84 (up 0.02% that day); Regular Plan Growth ₹30.55 (up 0.02% that day).
This fund split each unit into 0.01 on 21-09-2014 (fund house notice). NAVs before that day are shown divided by 0.01, so the line and the returns are not broken by the split.
This fund split each unit into 100 on 27-11-2022 (fund house notice). NAVs before that day are shown divided by 100, so the line and the returns are not broken by the split.
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Period | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| This fund (Direct) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| This fund (Regular) | +0.43% | +1.34% | +2.79% | +5.69% | +6.31% | +6.07% | +5.83% |
| Liquid average | +0.44% | +1.46% | +3.06% | +6.23% | +6.66% | +6.18% | +5.85% |
| Best in Liquid | +0.48% | +1.54% | +3.26% | +6.54% | +6.96% | +6.47% | +6.32% |
| Worst in Liquid | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Rank in Liquid | 43/43 | 42/42 | 42/42 | 40/40 | 36/36 | 34/34 | 28/28 |
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.
| Year | Direct | Regular |
|---|---|---|
| 2026to date | 0.00% | +4.71% |
| 2025 | 0.00% | +6.08% |
| 2024 | 0.00% | +6.94% |
| 2023 | 0.00% | +6.81% |
| 2022 | 0.00% | +5.07% |
| 2021 | 0.00% | +3.39% |
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 4,215 periods, one for each trading day from 21-02-2013 to 30-10-2026.
Navi Liquid Fund (Regular)
Category average, 42 Liquid funds
Every holding period at a glance
| Period | Periods | Median | Lowest | Highest | With a loss | Category median | Beat category |
|---|---|---|---|---|---|---|---|
| 1 year | 4,822 | 6.9% | 3.0% | 10.1% | 0% | 7.0% | 65% |
| 2 years | 4,520 | 7.0% | 3.4% | 9.7% | 0% | 6.9% | 69% |
| 3 years | 4,215 | 6.7% | 3.9% | 9.6% | 0% | 6.8% | 72% |
| 5 years | 3,611 | 6.2% | 5.0% | 9.2% | 0% | 6.2% | 75% |
| 7 years | 3,010 | 6.1% | 5.3% | 8.7% | 0% | 6.0% | 81% |
| 10 years | 2,101 | 6.6% | 5.8% | 8.0% | 0% | 6.5% | 91% |
| 15 years | 583 | 7.1% | 6.9% | 7.1% | 0% | 6.9% | 100% |
Every SIP holding period at a glance
| Period | Periods | Median | Lowest | Highest | With a loss | Category median | Beat category |
|---|---|---|---|---|---|---|---|
| 1 year | 189 | 6.9% | 3.0% | 10.2% | 0% | 7.1% | 67% |
| 2 years | 177 | 6.9% | 3.3% | 9.7% | 0% | 7.0% | 68% |
| 3 years | 165 | 6.8% | 3.7% | 9.6% | 0% | 6.9% | 68% |
| 5 years | 141 | 6.2% | 4.4% | 9.3% | 0% | 6.5% | 67% |
| 7 years | 117 | 5.8% | 5.0% | 8.7% | 0% | 5.9% | 76% |
| 10 years | 81 | 5.8% | 5.7% | 7.7% | 0% | 5.8% | 77% |
| 15 years | 21 | 6.4% | 6.2% | 6.5% | 0% | 6.3% | 71% |
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 42 Liquid funds (Regular plans, each weighted the same) over the same days. Past returns do not promise future returns.
How much it swings, and the falls an investor had to sit through
Risk and return
| Measure | Navi Liquid Fund (Regular)This fund | Category average |
|---|---|---|
| Return (CAGR) | +5.69% | +6.23% |
| Standard deviation | 0.12% | 0.18% |
| Sharpe ratio | 3.85 | 5.47 |
| Sortino ratio | 8.99 | 14.63 |
| 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 | Navi Liquid Fund (Regular)This fund | Category average |
|---|---|---|
| Return (CAGR) | +6.31% | +6.68% |
| Standard deviation | 0.15% | 0.14% |
| Sharpe ratio | 1.85 | 4.74 |
| Sortino ratio | 4.67 | 12.39 |
| Maximum drawdown | 0.0% | −0.01% (22-10-2026) |
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 | Navi Liquid Fund (Regular)This fund | Category average |
|---|---|---|
| Return (CAGR) | +6.07% | +6.20% |
| Standard deviation | 0.15% | 0.13% |
| Sharpe ratio | 1.74 | 2.98 |
| Sortino ratio | 3.94 | 5.94 |
| Maximum drawdown | −0.03% (05-05-2022) | −0.03% (05-05-2022) |
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.
| Measure | Navi Liquid Fund (Regular)This fund | Category average |
|---|---|---|
| Return (CAGR) | +5.83% | +5.87% |
| Standard deviation | 0.18% | 0.16% |
| Sharpe ratio | 2.35 | 2.94 |
| Sortino ratio | 5.28 | 5.66 |
| Maximum drawdown | −0.12% (24-03-2020) | −0.12% (24-03-2020) |
From daily NAVs, 28-10-2016 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 | Navi Liquid Fund (Regular)This fund | Category average |
|---|---|---|
| Return (CAGR) | +7.00% | +6.92% |
| Standard deviation | 0.22% | 0.28% |
| Sharpe ratio | 3.29 | 2.33 |
| Sortino ratio | 7.58 | 3.85 |
| Maximum drawdown | −0.13% (16-07-2013) | −0.34% (07-01-2013) |
From daily NAVs, 03-01-2011 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.
Navi Liquid Fund (Regular)
Category average, 42 Liquid funds
| Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today | |
|---|---|---|---|---|---|---|
| Navi Liquid Fund (Regular) | −0.43% | 28-03-2010 | 07-04-2010 | 16-05-2010 | 39 days | 0.0% |
| Category average | −0.34% | 06-01-2013 | 07-01-2013 | 11-01-2013 | 4 days | 0.0% |
From the Regular plan's daily NAV since 21-02-2010, adjusted for unit splits, and the average of the 42 Liquid funds (Regular plans, 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.
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 |
| Navi Liquid Fund | 36/36 | 82 | 0.26% | 0.00% | 0.00% | -- | -- | -50.62 | -17.52 |
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.
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 | 0.22% | 0.00% | 0.00% | 0.04% | 0.26% | 0.14% | 42/43 |
| Regular | 0.27% | 0.00% | 0.00% | 0.05% | 0.32% | 0.25% | 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 | 5.69% | 0.00% | −5.69% | ₹1,05,690 | ₹1,00,000 |
| 3 years | 6.31% | 0.00% | −6.31% a year | ₹1,20,150 | ₹1,00,000 |
| 5 years | 6.07% | 0.00% | −6.07% a year | ₹1,34,265 | ₹1,00,000 |
| 10 years | 5.83% | 0.00% | −5.83% a year | ₹1,76,233 | ₹1,00,000 |
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.
What a one-time or monthly investment in this fund would be worth today, from its own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 21-02-2010 to 30-10-2026: 201 instalments, ₹20,10,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Regular planNavi Liquid Fund (Regular) | ₹20,10,000 | ₹35,37,162 | ₹15,27,162 | 6.4% |
| Category averageCategory average, 42 Liquid funds | ₹20,10,000 | ₹35,40,525 | ₹15,30,525 | 6.4% |
Regular planNavi Liquid Fund (Regular)
Category averageCategory average, 42 Liquid funds
Amount 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.
Asset allocation as on 30-09-2026
94.6%Debt
| Asset | Fund | Category |
|---|---|---|
| Debt | 94.6% | 97.0% |
| Cash and others | 5.4% | 6.5% |
Bonds and money market papers by credit rating, % of the fund. Category: the average of 42 Liquid funds.
| Rating | Fund | Category |
|---|---|---|
| Sovereign | 30.5% | 15.2% |
| AAA and A1+ | 64.1% | 81.1% |
As on 30-09-2026 · 16 holdings · from the fund house's monthly portfolio
| Holdings | Rating | Weight% |
|---|---|---|
| 91 DAYS TREASURY BILL 12-NOV-2026 · Government security | SOVEREIGN | 12.19% |
| 8.85% POWER GRID CORPORATION OF INDIA LIMITED (19/10/2026) · Bond | ICRA AAA | 8.59% |
| BANK OF BARODA (06/11/2026) · Certificate of deposit | IND A1+ | 7.31% |
| 7.91% SUNDARAM HOME FINANCE LTD (27/11/2026) · Bond | CRISIL AAA | 6.14% |
| 7.95% SIKKA PORTS & TERMINALS LIMITED (28/10/2026) · Bond | CRISIL AAA | 6.14% |
| 91 DAYS TREASURY BILL 01-OCT-2026 · Government security | SOVEREIGN | 6.13% |
| 7.49% NABARD (15/10/2026) · Bond | CRISIL AAA | 6.13% |
| 91 DAYS TREASURY BILL 05-NOV-2026 · Government security | SOVEREIGN | 6.10% |
| L&T FINANCE LIMITED (05/11/2026) · Commercial paper | CRISIL A1+ | 6.09% |
| 364 DAYS TREASURY BILL 03-DEC-2026 · Government security | SOVEREIGN | 6.07% |
| HDFC SECURITIES LIMITED (04/12/2026) · Commercial paper | CRISIL A1+ | 6.06% |
| INDIAN BANK (06/11/2026) · Certificate of deposit | CRISIL A1+ | 4.87% |
| TIME TECHNOPLAST LIMITED (13/11/2026) · Commercial paper | CRISIL A1+ | 4.86% |
| PUNJAB NATIONAL BANK (15/12/2026) · Certificate of deposit | CRISIL A1+ | 4.84% |
| EXIM BANK (04/11/2026) · Commercial paper | CRISIL A1+ | 3.05% |
| % SBI FUNDS MANAGEMENT LTD () | 0.59% |
Funds with the most similar portfolios, across every fund house and category
| Fund | Overlap | Holdings in common | |
|---|---|---|---|
| Navi Aggressive Hybrid FundAggressive Hybrid · Navi | 20.8% | 7 | Compare |
| Quant Liquid FundLiquid · quant | 12.2% | 3 | Compare |
| Edelweiss Gilt FundGilt · Edelweiss | 12.2% | 2 | Compare |
| Quantum Liquid FundLiquid · Quantum | 11.6% | 4 | Compare |
| JioBlackRock Liquid FundLiquid · Jio BlackRock | 10.7% | 4 | Compare |
| Mirae Asset Liquid FundLiquid · Mirae Asset | 10.3% | 9 | 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.
Fund facts from the scheme summary document, as on 16-10-2026
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
| Plan | Option | NAV | As on |
|---|---|---|---|
| direct | ₹30.8419 | 30-10-2026 | |
| direct | Daily IDCW Reinvestment | ₹10.0129 | 30-10-2026 |
| direct | Monthly IDCW Payout | ₹10.0646 | 30-10-2026 |
| direct | Weekly IDCW Payout | ₹10.0118 | 30-10-2026 |
| direct | Unclaimed Redemption Dividend Less Than Years | ₹10.00 | 30-10-2026 |
| regular | Growth | ₹30.5479 | 30-10-2026 |
| regular | Daily IDCW | ₹10.0129 | 30-10-2026 |
| regular | Monthly IDCW | ₹10.064 | 30-10-2026 |
| regular | Weekly IDCW | ₹10.0121 | 30-10-2026 |
| regular | Unclaimed Redemption Dividend Less Than Years | ₹30.7422 | 30-10-2026 |
Navi Liquid Fund is a mutual fund from Navi Mutual Fund. Its category is Liquid. It was launched on 22-02-2010. Its benchmark is CRISIL Liquid Debt A-I Index. At the end of September 2026 it held 16 securities.
Tanmay Sethi
Fund manager of Navi Liquid Fund, since 01-02-2024
See all funds of Navi Mutual Fund
AUM moves with money invested or taken out, and with the value of what the fund holds.
Returns, risk, costs and the stocks they share, side by side
The Direct plan NAV is ₹30.8419. The Regular plan NAV is ₹30.5479, as on 30-10-2026.
The Direct plan returned 0.00% in 1 year, 0.00% a year over 3 years, 0.00% a year over 5 years. The Regular plan returned +5.69% in 1 year, +6.31% a year over 3 years, +6.07% a year over 5 years. These figures are as on 30-10-2026.
The Direct plan charges 0.26% a year. The Regular plan charges 0.32% a year. This is the figure the fund house reported to AMFI, in force from 01-09-2026.
Navi Liquid Fund managed ₹81.56 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
At the end of September 2026 the largest holdings were 91 DAYS TREASURY BILL 12-NOV-2026 (12.19%), 8.85% POWER GRID CORPORATION OF INDIA LIMITED (19/10/2026) (8.59%), BANK OF BARODA (06/11/2026) (7.31%), 7.91% SUNDARAM HOME FINANCE LTD (27/11/2026) (6.14%), 7.95% SIKKA PORTS & TERMINALS LIMITED (28/10/2026) (6.14%). The fund held 16 securities in all.
Through Navi 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 ₹100. You can invest once or through a monthly SIP.
Tanmay Sethi (since 01-02-2024).
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
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.
Track Navi Liquid Fund in WealthGamma
Add this fund once. WealthGamma updates its value every day and shows it next to your stocks, gold, deposits and loans.
PAN not required · No broker linking · No OTPs