JM Liquid Fund

Value Research Rating

2 star

Our Opinion

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Riskometer

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Low to Moderate

₹71.4022

As on 13-Jul-2025

Returns

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Calculate SIP Returns of JM Liquid Fund

Upfront Investment

Monthly SIP Amount

Investment Duration

years

Risk

info

This fund has Low to Moderate risk.

Low
Low to Moderate
Moderate
Moderately High
High
Very High

As per SEBI's Riskometer.

Portfolio of JM 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

Fund name
Rating
Our Opinion
Risk info
Return (%)
Expense Ratio (%) info
JM Liquid Fund
2 star
unlock fund advisor
Low to Moderate
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0.26
4 star
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Moderate
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0.29
4 star
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Moderate
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0.34
5 star
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Low to Moderate
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0.22
4 star
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Low to Moderate
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0.21

Other details of JM Liquid Fund

Assets

info

₹1,909 Cr

Exit Load (Days)

info

0.01 (1)

Min. Investment (₹)

1,000

Min. Withdrawal (₹)

500

Min. SIP Investment (₹)

100

Min. No of Cheques

12

Investment Strategy

The scheme seeks to provide income by way of dividend (dividend plans) and capital gains (growth plan) through investing in Debt and money market securities with maturity of upto 91 days only.

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 10,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.
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FAQ for JM Liquid Fund

Subscribers of Value Research Fund Advisor can conveniently invest in the low-cost direct plan of JM Liquid Fund through the Value Research Fund Advisor website.
Alternatively, mutual funds can also be purchased directly from the respective fund house’s website. For example, JM Liquid Fund can be bought from the JM Financial Mutual Fund website. In such a case, if you are investing in multiple funds from different fund houses, you will need to transact separately on each fund house’s website.
The third option is to invest offline, by seeking assistance from a mutual fund distributor. Most banks also act as mutual fund distributors, and you can approach your bank for help in completing your investment.

The latest declared NAV of JM Liquid Fund, is ₹71.4022 as of 13-Jul-2025.

Company Percentage of Portfolio

Export-Import Bank Of India CP 91-D 08/08/2025

5.21

Small Industries Devp. Bank of India Ltd CP 91-D 26/08/2025

5.19

Bank Of Baroda CD 03/09/2025

5.19

Punjab National Bank CD 04/09/2025

5.18

Godrej Agrovet Ltd CP 91-D 22/08/2025

3.90
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Over the past five years, JM Liquid Fund has delivered an annualised return of 5.49% as of 13-Jul-2025.

The minimum investment required to start investing in JM Liquid Fund is ₹1,000 for the lump sum option and ₹100 for the SIP (Systematic Investment Plan) option.