Investment Objective and Approach

The scheme seeks to provide high liquidity and safety with reasonable returns through investments in debt and money market instruments. Liquid funds invest in bonds having maturity of up to three months. The fund follows a conservative investment approach focused on capital preservation and liquidity.

Key Investment Features:

- Suitable for parking emergency funds or surplus money for short periods from a few weeks up to a year

- Expected to deliver better returns than traditional bank accounts

- Risk of incurring losses is negligible but does not guarantee returns or capital safety

- Invests primarily in treasury bills, certificate of deposits, commercial papers, and other high-quality short-term instruments

Financial Highlights (as of August 2025):

- Latest NAV: ₹429.59 (as of 25 Aug 2025)

- Total AUM: ₹4,11,970 Cr

- Expense Ratio: 0.2% for Direct plan

- Returns: 7.28% (1 year), 7.11% (3 years), 5.66% (5 years)

- Since Inception CAGR: 6.95%

Fund Managers

The fund is managed by a team of experienced professionals who bring diverse expertise in debt market management:

Sunaina da Cunha

- B.Com (H) and MBA from FMS, Delhi

- Previously worked with Aditya Birla Management Corporation Ltd before joining ABSLMF

- Manages 13 schemes with cumulative AUM of over Rs. 91,000 Crore, including Aditya Birla Sun Life Liquid Fund and Savings Fund

Kaustubh Gupta

- B.Com and Chartered Accountant

- Previously worked with ICICI Bank before joining ABSLMF

- Joined ABSLMF in 2009 and manages 24 schemes with cumulative AUM exceeding Rs. 1.29 Lakh Crore

Sanjay Pawar

- Manages 4 schemes in total

- Brings extensive experience in treasury and liquidity management

About the Fund House (AMC)

Aditya Birla Sun Life Mutual Fund is a joint venture between Aditya Birla Group and Sun Life Financial Inc, one of the leading international financial organizations. The company is one of the leading asset managers in India, servicing around 8.25 million investor folios with a PAN-India presence across 290+ locations.

Company Highlights:

- Fund launched on 23 Dec 1994

- 30 years of strong research and expert fund management experience

- Services around 7.9 million investor folios with presence across 280+ locations

- Offers diverse mutual fund investment options including equity, debt, hybrid, and ETFs

Investment Philosophy:

ABSLMF takes an active approach to make the entire mutual fund management process straightforward and transparent for both investors and channel partners. Their portfolio includes sector-specific equity options, treasury and debt products, fund of fund schemes and hybrid income funds.

Should I Invest in Aditya Birla Sun Life Liquid Fund?

This fund is suitable for investors seeking:

Ideal For:

- Emergency fund parking with better returns than savings accounts

- Short-term surplus fund management (few weeks to one year)

- Capital preservation with moderate returns

- High liquidity requirements without significant exit penalties

Investment Minimums:

- Minimum SIP: ₹100

- Minimum Lumpsum: ₹500

Key Considerations:

- Exit load structure: 0.0070% if redeemed within 1 day, decreasing to 0.0045% if redeemed within 6 days

- Tax treatment: For investments after 1 April 2023, gains are taxed according to applicable slab rate

- Fund carries moderate risk rating

The fund is particularly appropriate for conservative investors who prioritize capital safety and liquidity over aggressive growth, making it an excellent choice for treasury management and short-term financial planning.

FAQs

What is today's NAV of Aditya Birla Sun Life Liquid Fund?

The latest NAV is ₹429.59 as of 25 Aug 2025. NAV fluctuates daily based on the underlying portfolio performance.

What is the AUM of Aditya Birla Sun Life Liquid Fund?

The fund has an Asset Under Management of ₹4,11,970 Cr as of August 2025. This large AUM indicates strong investor confidence and fund stability.

What is the expense ratio of Aditya Birla Sun Life Liquid Fund?

The direct plan has an expense ratio of 0.2%, which is competitive for liquid funds and helps maximize investor returns.

What are the returns of Aditya Birla Sun Life Liquid Fund since inception?

The fund has delivered a CAGR return of 6.95% since inception. This demonstrates consistent performance over the long term.

What is the minimum SIP amount to invest in Aditya Birla Sun Life Liquid Fund?

The minimum SIP amount is ₹100, making it accessible for small investors to start systematic investing.

How do I invest in Aditya Birla Sun Life Liquid Fund?

You can invest through Allvest platform, the fund house website, or registered distributors. Simply complete KYC, select investment amount, and choose between SIP or lumpsum options.

How to start a SIP in Aditya Birla Sun Life Liquid Fund?

Register with Allvest, select the fund, choose SIP frequency (monthly/quarterly), set investment amount (minimum ₹100), and set up auto-debit instructions from your bank account.

How do I automate an SIP in Aditya Birla Sun Life Liquid Fund?

Set up a bank mandate or UPI auto-pay through Allvest platform. This enables automatic monthly investments without manual intervention for seamless wealth building.

How can I withdraw/redeem my investment in Aditya Birla Sun Life Liquid Fund?

Log into Allvest platform, select redemption option, specify units or amount to redeem. Note exit load charges apply for redemptions within 6 days. Funds typically credit to your account within 1-2 business days.