Navi Liquid Fund

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Value Research Rating

2 star

Analyst’s Choice

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Riskometer

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Moderate

₹27.0747

As on 06-Oct-2024

Returns

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Calculate SIP Returns of Navi Liquid Fund

Upfront Investment

Monthly SIP Amount

Investment Duration

years

Risk info

This fund has Moderate risk.

Low
Low to Moderate
Moderate
Moderately High
High
Very High

As per SEBI's Riskometer.

Portfolio of Navi Liquid Fund

Asset Allocation

Split between different types of investments

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Credit Rating Weightage

Split between categories of Equity investments

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Peer Comparison

Other details of Navi Liquid Fund

Assets info

₹70 Cr

Exit Load (Days) info

0.01 (1)

Min. Investment (₹)

10

Min. Withdrawal (₹)

1,000

Min. SIP Investment (₹)

10

Min. No of Cheques

12

Investment Strategy

The Scheme seeks to generate a reasonable return commensurate with low risk and a high degree of liquidity, from a portfolio constituted of money market securities and debt securities.

Suitability

"Liquid funds invest in bonds having maturity of up to three months. They are suitable to park the amount you have set aside to meet any emergency needs or any surplus money that you don't need for a few weeks up to a year. You can expect to earn better returns than what you would get from a bank account.

The risk of incurring a loss in these funds is negligible but they do not guarantee returns or safety of capital. Though rare, there have been few instances when liquid funds have incurred losses.

Remember, these funds are geared to deliver only marginally higher returns than your bank account. They deliver steady, but low returns and are not suitable to build wealth in the long run."

Capital Gains Taxation

  • If investment is made on or after 1 April 2023: Entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • If investment is made before 1 April 2023:
    • Sold within 2 years from the date of investment: Gains are added to the investors' income and taxed according to the applicable slab rate.
    • Sold after 2 years from the date of investment: Gains are taxed at the rate of 12.5%.
  • No tax is to be paid as long as you continue to hold the units.

Disclaimer: The tax information has been prepared on a best-effort basis using information available in the public domain and other sources that Value Research considers reliable. This is not meant as tax advice, and we advise you to consult your tax advisor before making any decision. Value Research takes no responsibility and assumes no liability for any loss or damage arising from any investment or redemption decision based on this information.

Dividend Taxation

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.
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FAQ for Navi Liquid Fund

Navi Liquid Fund is mandated to invest in bonds having a maturity of up to three months.

Mutual funds can be bought directly from the website of the fund house. For instance, Navi Liquid Fund fund can be purchased from the website of Navi Mutual Fund. You can also buy mutual funds through platforms like MF Central, MF Utility, among others. However, if you are not comfortable buying mutual funds online, you can seek help of a mutual fund distributor. Most banks also act as mutual fund distributors. So you can connect with your bank for assistance.

The NAV of Navi Liquid Fund is ₹27.0747 as of 05-Oct-2024.

The AUM of Navi Liquid Fund Fund is ₹70 Cr as of 31-Aug-2024

The riskometer level of Navi Liquid Fund is Moderate. See More

Company Percentage of Portfolio

Reserve Bank of India T-Bills 182-D 12/09/2024

14.19

Kotak Mahindra Bank Ltd CD 06/09/2024

9.94

Motilal Oswal Financial Services Ltd CP 91-D 12/09/2024

9.93

National Bank For Agriculture & Rural Development CP 91-D 03/09/2024

7.11

Punjab National Bank CD 02/09/2024

7.11
See More

As of 31-Aug-2024, Navi Liquid Fund had invested 94.64% in Debt and 5.36% in Cash & Cash Eq. See More

Navi Liquid Fund is 14 years 7 months old. It has delivered 7.04% returns since inception. See More

1Y
3Y
5Y
7Y
10Y
Since Inception
6.93%
6.03%
5.06%
5.62%
6.27%
7.04%

No, There is no lock in period in Navi Liquid Fund.

The expense ratio of Navi Liquid Fund is 0.20.