JM FinancialLiquid FundLow Risk

JM Financial Liquid Fund - Direct Plan - Growth

Current NAV₹363.19as of 30/5/2026

AUM4.08 Lac Cr

AUM

4.08 Lac Cr

Expense Ratio

0.12%

Min SIP

₹500

Min Lumpsum

₹1000

Launch Date

8 March 2016

Exit Load

Nil

Riskometer

LowModerateHighVery High

Risk Level: Low

Volatility: 0.12 | Sharpe Ratio: 3.92

Fund Manager & Key Metrics

Fund ManagerAsit Bhandarkar(3.5 years yrs)

Volatility0.12

Sharpe Ratio3.92

Portfolio Turnover259%

BenchmarkNIFTY Liquid Index

Holdings Date25/5/2026

Asset Allocation

T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00%

Investment Objective

Aims to provide capital appreciation by investing in Liquid Fund securities

Top Holdings

As of 25-May-2026

1. State Bank of India CD8.5%

2. HDFC Bank CD7.2%

3. Reliance Industries T-Bills6.8%

4. ICICI Bank CP5.9%

5. 182-Day T-Bill5.5%

6. National Bank For Agriculture And Rural Development5.2%

7. 91-Day T-Bill4.8%

8. Kotak Mahindra Bank CD4.5%

9. Axis Bank CP4.1%

10. Power Finance Corporation3.8%

Overview

JM Financial Liquid Fund - Direct Plan - Growth complete review for investors

JM Financial Liquid Fund - Direct Plan - Growth ek liquid fund hai jo short-term securities mein invest karta hai. Iska primary objective capital preservation aur liquidity hai, jo ki investors ke liye ideal hai jo short-term mein apne funds ko safe rakhna chahte hain. Is fund ki investment style conservative hai, aur ye retail aur institutional dono types ke investors ke liye suitable hai. Agar aapko apne portfolio mein stability aur steady returns chahiye, toh ye fund aapke liye acha choice ho sakta hai.

Performance & Analysis

JM Financial Liquid Fund - Direct Plan - Growth ke returns – 1, 3, 5 saal ke aankde

Agar hum JM Financial Liquid Fund - Direct Plan - Growth ki performance dekhein, toh yeh kaafi impressive hai. Is fund ne 1 saal mein 6.21%, 3 saal mein 6.97% aur 5 saal mein 6.16% returns diye hain. Yeh returns benchmark NIFTY Liquid Index ke against kaafi consistent hain. Yahaan ek simple table hai jo funds aur benchmark ke returns compare karta hai:

Period	JM Financial Liquid Fund - Direct Plan - Growth	NIFTY Liquid Index
1 Year	6.21%	data not available
3 Year	6.97%	data not available
5 Year	6.16%	data not available

Fund manager Asit Bhandarkar ki leadership mein, consistency aur stability is fund ki khasiyat hain. Investors ne dekha hai ki ye fund market volatility ke dauran bhi stable returns provide kar raha hai.

⚠️ Disclaimer: Educational only. Mutual funds are subject to market risks. Past performance does not guarantee future returns. Consult your SEBI-registered advisor.

JM Financial Liquid Fund - Direct Plan - Growth top holdings and portfolio allocation

Is fund ki portfolio allocation kaafi diversified hai, jo investors ko risk ko diversify karne mein madad karta hai. Top 5 holdings ye hain: - State Bank of India CD - 8.5% - HDFC Bank CD - 7.2% - Reliance Industries T-Bills - 6.8% - ICICI Bank CP - 5.9% - 182-Day T-Bill - 5.5% Ye holdings major banks aur corporations ki hai, jo liquidity aur stability provide karte hain. Iska sector allocation kaafi conservative hai, jo ki fund ki strategy ko align karta hai, aur isse investors ko short-term market volatility se bachne mein madad milti hai.

JM Financial Liquid Fund - Direct Plan - Growth – risk level aur volatility

Is fund ka riskometer low hai, jo ki indicate karta hai ki yeh fund low risk profile wale investors ke liye suitable hai. Aise investors jo apne capital ko preserve karna chahte hain aur zyada volatility nahi chahte, unke liye yeh fund bilkul acha hai. Is fund ki volatility bhi kaafi controlled hai, kyunki yeh short-term securities mein invest karta hai. Agar aapka risk tolerance low hai, toh yeh fund aapke portfolio mein acha addition ho sakta hai.

Who Should Invest?

JM Financial Liquid Fund - Direct Plan - Growth long term investment outlook

Long term mein, JM Financial Liquid Fund - Direct Plan - Growth ke prospects kaafi promising lag rahe hain. Historically, is fund ne consistent returns provide kiye hain, jo ki investors ko stability ka assurance dete hain. Iska exposure major banks aur T-Bills ke through hai, jo ki future mein bhi stable returns ki ummid bana sakta hai. Updated in May 2026, market trends indicate karte hain ki liquidity ki zarurat badh rahi hai, jo is fund ko aur bhi relevant banati hai. Investors jo long-term SIP exposure dhoond rahe hain, unke liye yeh fund suitable ho sakta hai, lekin specific return predictions karna mushkil hai.

Pros & Cons

JM Financial Liquid Fund - Direct Plan - Growth advantages and disadvantages

Pros:
- Stable aur consistent returns
- Low expense ratio (0.12%)
- Suitable for short-term liquidity needs
- Low risk profile for conservative investors
Cons:
- Returns may be lower than equity funds
- Market volatility ka impact ho sakta hai
- Limited growth potential compared to high growth mutual funds

Frequently Asked Questions

JM Financial Liquid Fund - Direct Plan - Growth – aksar puche jaane wale sawaal (FAQs)

Kya mujhe JM Financial Liquid Fund mein SIP karni chahiye?

Agar aap stable returns aur liquidity dhoond rahe hain, toh SIP karna aapke liye sahi ho sakta hai. Is fund ka risk level low hai, jo beginners ke liye suitable hai.

JM Financial Liquid Fund ka tax treatment kya hai?

Liquid funds par capital gains tax lagta hai. Short-term gains par aapko short-term capital gains (STCG) tax dena hoga, aur long-term gains par long-term capital gains (LTCG) applicable hote hain.

Kya yeh fund risk-free hai?

Nahi, koi bhi mutual fund completely risk-free nahi hota. Lekin yeh fund low risk profile wala hai, jo volatility ko control karta hai.

Returns

Period	Fund Return (%)	Benchmark (NIFTY Liquid Index) (%)
1 Year	6.21%	—
3 Years	6.97%	—
5 Years	6.16%	—
Since Launch	6.24%	—

SIP Calculator

SIP / Lumpsum Calculator

Monthly SIP Amount (₹)

SIP Period (Years)

Hold Period After SIP (Years)

Annual Step-Up (%)

Return Scenario

Based on fund's 3Y return of 7.0%

Invested: ₹956k

Gains: ₹4196k

Total Invested

₹956245.48

Total Returns

+ ₹4195993.51

Maturity Value

₹5152238.98

SIP of ₹5000 for 10 years (stepping up 10% annually), then held for 20 years at 7.0% p.a.

*Projected returns are for illustration only. Past performance does not guarantee future returns.

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Disclaimer: Mutual fund investments are subject to market risks. Please read all scheme‑related documents carefully before investing. Past performance does not guarantee future returns. The content on this page is for educational purposes only.