Sundaram Liquid Fund

LiquidDirect and Regular plans, Growth and IDCW options

Data as on 30-10-2026

Sundaram Liquid Fund is a Liquid fund run by Sundaram Mutual Fund. On 30-09-2026, it managed ₹6,727 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 7.0% a year and its Regular plan returned 6.8% a year. Its benchmark, NIFTY Liquid Index A-I, returned 6.9% a year over the same 3 years.

NAV (Direct plan): ₹2,530.14; ▲ 0.02%30-10-2026
NAV (Regular plan): ₹2,494.07; ▲ 0.02%30-10-2026
Expense ratio: 0.14%Direct0.36%Regular; 0.14%; A year
Riskometer: Moderate; Set by the fund house
3 year return: 7.0%Direct6.8%Regular; 7.0%; A year

Sundaram Liquid Fund NAV Today

NAV on 30-10-2026: Direct Plan Growth ₹2,530.14 (up 0.02% that day); Regular Plan Growth ₹2,494.07 (up 0.02% that day).

This fund (Direct plan)

₹2,530.1379

Sundaram Liquid Fund Returns vs NIFTY Liquid Index A-I

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)	+0.45%	+1.49%	+3.26%	+6.53%	+6.95%	--	--
This fund (Regular)	+0.43%	+1.44%	+3.15%	+6.30%	+6.75%	--	--
NIFTY Liquid Index A-I	+0.51%	+1.57%	+3.42%	+6.44%	+6.90%	+6.36%	--
Liquid average	+0.44%	+1.46%	+3.06%	+6.23%	+6.66%	--	--
Best in Liquid	+0.48%	+1.54%	+3.26%	+6.54%	+6.96%	--	--
Worst in Liquid	0.00%	0.00%	0.00%	0.00%	0.00%	--	--
Rank in Liquid	14/43	28/42	1/42	2/40	4/36	--	--

Category rows compare the Direct plans of 44 Liquid funds. Rank 1 is the highest return. The benchmark row is as on 30-09-2026, as NSE published it.

Sundaram Liquid Fund Year-wise Returns

Return of each calendar year
Year	Direct	Regular
2026to date	+5.47%	+5.28%
2025	+6.63%	+6.41%
2024	+7.47%	+7.30%
2023	+7.10%	+6.97%

Sundaram 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 664 periods, one for each trading day from 01-01-2025 to 30-10-2026.

0%2%4%6%8%

Feb 2022
to
Feb 2025Jun 2022
to
Jun 2025Oct 2022
to
Oct 2025Jan 2023
to
Jan 2026May 2023
to
May 2026Sept 2023
to
Sept 2026

Sundaram Liquid Fund (Direct)Category average, 43 Liquid funds

Every holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss	Category median	Beat category
1 year	1,395	7.0%	5.0%	7.5%	0%	6.7%	100%
2 years	1,030	7.1%	6.0%	7.4%	0%	6.8%	100%
3 years	664	7.0%	6.5%	7.1%	0%	6.7%	100%

Period	Periods	Median	Lowest	Highest	With a loss	Category median	Beat category
1 year	46	7.0%	5.6%	7.5%	0%	6.8%	100%
2 years	34	7.1%	6.5%	7.5%	0%	6.8%	100%
3 years	22	7.0%	6.8%	7.3%	0%	6.7%	100%

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 43 Liquid funds (Direct plans, each weighted the same) over the same days. Past returns do not promise future returns.

Sundaram Liquid Fund Risk

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

Risk and return

Measure	Sundaram Liquid Fund (Direct)This fund	Category average
Return (CAGR)	+6.53%	+6.22%
Standard deviation	0.21%	0.18%
Sharpe ratio	6.17	5.54
Sortino ratio	19.24	14.81
Maximum drawdown	−0.01% (23-03-2026)	−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	Sundaram Liquid Fund (Direct)This fund	Category average
Return (CAGR)	+6.95%	+6.66%
Standard deviation	0.15%	0.14%
Sharpe ratio	6.03	4.68
Sortino ratio	18.56	12.26
Maximum drawdown	−0.01% (23-03-2026)	−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	Sundaram Liquid Fund (Direct)This fund	Category average
Return (CAGR)	+6.56%	+6.29%
Standard deviation	0.14%	0.13%
Sharpe ratio	4.78	3.06
Sortino ratio	11.33	6.20
Maximum drawdown	−0.02% (05-05-2022)	−0.03% (05-05-2022)

From daily NAVs, 03-01-2022 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

Sundaram Liquid Fund (Direct)Category average, 43 Liquid funds

	Worst fall	High before it	Bottom	Back at the high	Time to climb back	Below its high today
Sundaram Liquid Fund (Direct)	−0.02%	03-05-2022	05-05-2022	07-05-2022	2 days	0.0%
Category average	−0.03%	03-05-2022	05-05-2022	08-05-2022	3 days	0.0%

From the Direct plan's daily NAV since 01-01-2022, adjusted for unit splits, and the average of the 43 Liquid funds (Direct 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.

Sundaram 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

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.

Sundaram 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	0.12%	0.00%	0.00%	0.02%	0.14%	0.14%	22/43
Regular	0.31%	0.00%	0.00%	0.05%	0.36%	0.25%	40/43

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	6.30%	6.53%	0.23%	₹1,06,300	₹1,06,530
3 years	6.75%	6.95%	0.20% a year	₹1,21,648	₹1,22,333

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.

Sundaram 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 01-01-2022 to 30-10-2026: 58 instalments, ₹5,80,000 in all.

Investment	Invested	Value now	Gain	Return a year
Direct planSundaram Liquid Fund (Direct)	₹5,80,000	₹6,84,608	₹1,04,608	6.8%
Regular planSundaram Liquid Fund (Regular)	₹5,80,000	₹6,81,423	₹1,01,423	6.6%
Category averageCategory average, 43 Liquid funds	₹5,80,000	₹6,79,910	₹99,910	6.5%

₹0₹2.0 L₹4.0 L₹6.0 L₹8.0 L

2023202420252026

Direct planSundaram Liquid Fund (Direct)Regular planSundaram Liquid Fund (Regular)Category averageCategory average, 43 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.

Sundaram Liquid Fund Asset Allocation

Asset allocation as on 30-09-2026

What the fund holds

96.1%Debt

Asset	Fund	Category
Debt	96.1%	97.0%
Cash and others	3.9%	6.5%

Credit rating

Bonds and money market papers by credit rating, % of the fund. Category: the average of 42 Liquid funds.

Rating	Fund	Category
Sovereign	10.5%	15.2%
AAA and A1+	85.6%	81.1%

Sundaram Liquid Fund Portfolio Holdings

As on 30-09-2026 · 60 holdings · from the fund house's monthly portfolio

Holdings	Rating	Weight%
91 Days - T Bill - 05/11/2026 · Treasury bill	Sovereign	5.62%
Export Import Bank of India - 04/11/2026 · Commercial paper	CRISIL A1+	4.43%
Bank of India - 03/12/2026 · Certificate of deposit	CRISIL A1+	4.41%
Central Bank of India - 04/12/2026 · Certificate of deposit	CRISIL A1+	4.41%
91 Days - T Bill - 22/10/2026 · Treasury bill	Sovereign	3.41%
REC LTD - 23/11/2026 · Commercial paper	CRISIL A1+	2.95%
Tata Capital Housing Finance Ltd - 23/11/2026 · Commercial paper	CRISIL A1+	2.95%
Canara Bank - 03/12/2026 · Certificate of deposit	CRISIL A1+	2.94%
Hindustan Petroleum Corporation Ltd - 03/12/2026 · Commercial paper	CRISIL A1+	2.94%
Reliance Industries Ltd - 11/12/2026 · Commercial paper	CRISIL A1+	2.94%
PNB Housing Finance Ltd - 18/11/2026 · Commercial paper	CRISIL A1+	2.21%
Hindustan Petroleum Corporation Ltd - 02/12/2026 · Commercial paper	CRISIL A1+	2.21%
Canara Bank - 05/10/2026 · Certificate of deposit	CRISIL A1+	1.49%
Julius Baer Capital (India) Private Ltd - 21/10/2026 · Commercial paper	CRISIL A1+	1.48%
91 Days - T Bill - 29/10/2026 · Treasury bill	Sovereign	1.48%
Union Bank of India - 30/10/2026 · Certificate of deposit	ICRA A1+	1.48%
HDFC Bank Ltd - 02/11/2026 · Certificate of deposit	CRISIL A1+	1.48%
Aditya Birla Housing Finance Ltd - 06/11/2026 · Commercial paper	CRISIL A1+	1.48%
Kotak Securities Ltd - 04/11/2026 · Commercial paper	CRISIL A1+	1.48%
HDFC Bank Ltd - 11/11/2026 · Certificate of deposit	CRISIL A1+	1.48%
Kisetsu Saison Finance - 06/11/2026 · Commercial paper	CRISIL A1+	1.48%
IIFL Finance Ltd - 02/11/2026 · Commercial paper	CRISIL A1+	1.48%
Godrej Housing Finance Limited - 17/11/2026 · Commercial paper	CRISIL A1+	1.47%
Blue Star Ltd - 17/11/2026 · Commercial paper	CRISIL A1+	1.47%
Godrej Properties Ltd - 20/11/2026 · Commercial paper	ICRA A1+	1.47%
Canara Bank - 23/11/2026 · Certificate of deposit	CRISIL A1+	1.47%
Central Bank of India - 23/11/2026 · Certificate of deposit	CRISIL A1+	1.47%
Axis Bank Ltd - 27/11/2026	CRISIL A1+	1.47%
Canara Bank - 30/11/2026 · Certificate of deposit	CRISIL A1+	1.47%
National Bank for Agriculture & Rural Development - 02/12/2026 · Commercial paper	CRISIL A1+	1.47%
Export Import Bank of India - 04/12/2026 · Commercial paper	CRISIL A1+	1.47%
HDFC Bank Ltd - 04/12/2026 · Certificate of deposit	ICRA A1+	1.47%
Small Industries Development Bank of India - 03/12/2026 · Commercial paper	CRISIL A1+	1.47%
Reliance Retail Ventures Ltd - 08/12/2026 · Commercial paper	CRISIL A1+	1.47%
Power Finance Corporation Ltd - 09/12/2026 · Commercial paper	CRISIL A1+	1.47%
Pilani Investment and Industries Corporation Ltd. - 03/12/2026 · Commercial paper	CRISIL A1+	1.47%
GIC Housing Finance Ltd - 09/12/2026 · Commercial paper	CRISIL A1+	1.47%
Godrej Industries Ltd - 12/11/2026 · Commercial paper	CRISIL A1+	1.11%
Bajaj Financial Securities Ltd - 16/11/2026 · Commercial paper	CRISIL A1+	1.10%
Motilal Oswal Financial Services Ltd - 17/11/2026 · Commercial paper	CRISIL A1+	1.10%
Godrej Housing Finance Limited - 10/12/2026 · Commercial paper	CRISIL A1+	1.10%
MUTHOOT FINCORP LIMITED - 16/12/2026 · Commercial paper	CRISIL A1+	1.10%
HSBC InvestDirect Financial Services India Limited - 29/10/2026 · Commercial paper	CRISIL A1+	0.89%
Punjab National Bank - 01/10/2026 · Certificate of deposit	CRISIL A1+	0.74%
Bajaj Financial Securities Ltd - 15/10/2026 · Commercial paper	CRISIL A1+	0.74%
Union Bank of India - 19/10/2026 · Certificate of deposit	ICRA A1+	0.74%
REC LTD - 22/10/2026 · Commercial paper	CRISIL A1+	0.74%
National Bank for Agriculture & Rural Development - 09/11/2026 · Commercial paper	CRISIL A1+	0.74%
IGH Holdings Private Limited - 05/11/2026 · Commercial paper	CRISIL A1+	0.74%
Birla Group Holdings Pvt Ltd - 18/11/2026 · Commercial paper	CRISIL A1+	0.74%
Aditya Birla Money Ltd - 17/11/2026 · Commercial paper	CRISIL A1+	0.74%
Kotak Securities Ltd - 20/11/2026 · Commercial paper	CRISIL A1+	0.74%
Birla Group Holdings Pvt Ltd - 20/11/2026 · Commercial paper	CRISIL A1+	0.74%
ICICI Securities Ltd - 23/11/2026 · Commercial paper	CRISIL A1+	0.74%
ICICI Securities Ltd - 01/12/2026 · Commercial paper	CRISIL A1+	0.73%
Kotak Securities Ltd - 02/12/2026 · Commercial paper	CRISIL A1+	0.73%
Aditya Birla Money Ltd - 02/12/2026 · Commercial paper	CRISIL A1+	0.73%
JM Financial Services Ltd - 11/12/2026 · Commercial paper	CRISIL A1+	0.73%
IIFL Finance Ltd - 02/12/2026 · Commercial paper	CRISIL A1+	0.37%
Corporate Debt Market Development Fund - Class A2		0.27%

Sundaram Liquid Fund Portfolio Overlap

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

Fund	Overlap	Holdings in common
LIC MF Liquid FundLiquid · LIC	18.8%	16	Compare
Shriram Liquid FundLiquid · Shriram	17.5%	6	Compare
Mirae Asset Liquid FundLiquid · Mirae Asset	17.0%	18	Compare
Tata Liquid FundLiquid · Tata	15.7%	11	Compare
Kotak Liquid FundLiquid · Kotak Mahindra	15.6%	17	Compare
Nippon India Liquid FundLiquid · Nippon India	15.0%	19	Compare
ICICI Prudential Liquid FundLiquid · ICICI Prudential	13.8%	15	Compare
HSBC Liquid FundLiquid · HSBC	13.6%	13	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.

Sundaram Liquid Fund Overview

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

Expense ratio (Direct): 0.14%
Expense ratio (Regular): 0.36%
Category: Liquid
Risk: Moderate
Benchmark: NIFTY Liquid Index A-I
Launch date: 01-01-2013
Minimum investment: ₹1,000
Minimum additional investment: ₹500
AUM: ₹6,727.30 Cr (30-09-2026)
Lock in: None
Scheme code (Direct): 149664
ISIN (Direct): INF173K01GU0
Scheme code (Regular): 149661
ISIN (Regular): INF173K01DA9
NAV history: From 01-01-2022, 4.8 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 Sundaram Liquid Fund returns

Sundaram 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	Option	NAV	As on
direct	Growth	₹2,530.1379	30-10-2026
direct	Income Distribution Cum Capital Withdrawal IDCW	₹1,045.5141	30-10-2026
regular	Growth	₹2,494.0672	30-10-2026
regular	Income Distribution Cum Capital Withdrawal IDCW	₹1,041.8406	30-10-2026

About Sundaram Liquid Fund

Sundaram Liquid Fund is a mutual fund from Sundaram Mutual Fund. Its category is Liquid. It was launched on 01-01-2013. Its benchmark is NIFTY Liquid Index A-I. At the end of September 2026 it held 60 securities.

Fund Manager

Sandeep Agarwal
Fund manager of Sundaram Liquid Fund
Kumaresh Ramakrishnan
Fund manager of Sundaram Liquid Fund
Ronak Shah
Fund manager of Sundaram Liquid Fund

See all funds of Sundaram Mutual Fund

AUM change

September 2026: ₹6,727.30 Cr; −26.03% from August 2026
August 2026: ₹9,094.46 Cr; −14.47% from July 2026
July 2026: ₹10,633.07 Cr; +67.05% from June 2026

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

Compare Sundaram Liquid Fund with Other Funds

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

Sundaram Liquid vs Aditya Birla Sun Life LiquidLiquid
Sundaram Liquid vs Axis LiquidLiquid
Sundaram Liquid vs Edelweiss LiquidLiquid
Sundaram Liquid vs Franklin India LiquidLiquid
Sundaram Liquid vs LIC MF Liquid18.8% overlap
Sundaram Liquid vs Shriram Liquid17.5% overlap
Sundaram Liquid vs Mirae Asset Liquid17.0% overlap
Sundaram Liquid vs Tata Liquid15.7% overlap

Compare with any other fund

Frequently Asked Questions for Sundaram Liquid Fund

What is the current NAV of Sundaram Liquid Fund?

The Direct plan NAV is ₹2,530.1379. The Regular plan NAV is ₹2,494.0672, as on 30-10-2026.

What are the returns of Sundaram Liquid Fund?

The Direct plan returned +6.53% in 1 year, +6.95% a year over 3 years. The Regular plan returned +6.30% in 1 year, +6.75% a year over 3 years. These figures are as on 30-10-2026.

What is the expense ratio of Sundaram Liquid Fund?

The Direct plan charges 0.14% a year. The Regular plan charges 0.36% a year. This is the figure the fund house reported to AMFI, in force from 01-09-2026.

What is the AUM of Sundaram Liquid Fund?

Sundaram Liquid Fund managed ₹6,727.30 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.

What are the top holdings of Sundaram Liquid Fund?

At the end of September 2026 the largest holdings were 91 Days - T Bill - 05/11/2026 (5.62%), Export Import Bank of India - 04/11/2026 (4.43%), Bank of India - 03/12/2026 (4.41%), Central Bank of India - 04/12/2026 (4.41%), 91 Days - T Bill - 22/10/2026 (3.41%). The fund held 60 securities in all.

How do I invest in Sundaram Liquid Fund?

Through Sundaram 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 ₹1,000. You can invest once or through a monthly SIP.

Who is the fund manager of Sundaram Liquid Fund?

Sandeep Agarwal, Kumaresh Ramakrishnan, Ronak Shah.

What is the exit load of Sundaram 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.