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ITI Liquid Fund - Low Risk Liquid Mutual Fund with High Liquidity | NAV, Returns & Investment Guide

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Invest in ITI Liquid Fund for capital preservation and high liquidity. Check latest NAV, AUM, expense ratio, returns and investment process. Low risk liquid fund ideal for short-term parking of funds.

Investment Objective and Approach

ITI Liquid Fund seeks to provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through a portfolio of money market and debt securities. The fund follows a conservative investment approach focused on capital preservation and maintaining high liquidity for investors.

The scheme primarily invests in high-quality, short-term money market instruments and debt securities with maturity periods typically not exceeding 91 days. This investment strategy ensures minimal interest rate risk while providing investors the flexibility to redeem their investments with minimal impact on returns.

Key investment features:

- Focus on money market and short-term debt securities

- The fund is rated as Low risk

- Emphasis on capital preservation over capital appreciation

- High liquidity with quick redemption facility

Fund Managers

The fund is currently managed by experienced professionals with extensive expertise in fixed income markets:

Vikrant Mehta - Mr. Vikrant Mehta joined ITI Asset Management Ltd. in January 2021 and brings with him more than 25 years of extensive experience in Fixed Income Markets. His last assignment was at Indiabulls Asset Management Co. Limited where he was designated as the Head - Fixed Income and successfully managed various fixed income products. Prior to this role, he has spent more than a decade at PineBridge Investments where he was the Head of Fixed Income and subsequently was the Asia sovereign analyst for PineBridge.

Vikrant holds a master's degree in engineering from Kiev Polytechnical Institute, Ukraine and he is also a Chartered Financial Analyst (CFA) from ICFAI.

The fund management team brings together decades of experience in debt markets, ensuring prudent portfolio management and risk control measures.

About the Fund House (AMC)

ITI Mutual Fund, established in 2018, was founded with the aim of providing top-tier investment solutions for long-term wealth generation. It prides itself on offering considerate and investor-focused investment solutions, supported by a highly experienced team of researchers and investment managers. With a team comprising some of the industry's leading equity and credit researchers, as well as investment managers, ITI AMC operates on a distinctive investment philosophy and strategy designed to deliver long-term returns.

As part of the ITI Group of Companies, a growing conglomerate providing diverse financial services such as equity research (for both retail and institutional clients), equity broking (for both retail and institutional clients), investment banking, asset-based lending, and alternative investment funds, the AMC has positioned itself as a comprehensive financial service provider.

Investment Trust of India Ltd (ITI) was the promoter of the first private sector Mutual Fund launched in Indian history by the name, Pioneer ITI Mutual Fund, which later on was taken over by Franklin Templeton Mutual Fund in the year 2002. Investment Trust of India is the promoter of ITI Mutual Fund. The company have an average AUM of Rs. ₹9,909.06 crore as of September 30, 2024.

Key highlights about the AMC:

- Part of ITI Group with 180 offices across India

- Legacy in mutual fund industry since inception

- Focus on research-driven investment approach

- Comprehensive financial services provider

Should I Invest in ITI Liquid Fund?

ITI Liquid Fund is suitable for investors who:

Should Consider:

- Seek capital preservation with minimal risk

- Need high liquidity for emergency funds or short-term parking

- Want to earn better returns than savings accounts

- Prefer low-risk investment options

- Have short-term investment horizon (few days to few months)

- Need flexibility for quick redemptions

Key Advantages:

- Low risk rating suitable for conservative investors

- High liquidity with minimal exit load structure

- Professional fund management with experienced team

- Suitable for parking surplus funds temporarily

- Better returns potential compared to savings accounts

Consider Alternatives If:

- You seek higher returns and can take moderate risk

- Your investment horizon is long-term (3+ years)

- You want equity exposure for wealth creation

- You're comfortable with market volatility

Risk Factors:

- Interest rate risk, though minimal due to short maturity

- Credit risk from underlying securities

- Returns may not beat inflation over long periods

- Market-linked returns with no guaranteed returns

The fund is ideal for investors prioritizing capital safety and liquidity over high returns, making it suitable for emergency funds, short-term goals, or temporary parking of large amounts.

FAQs

What is today's NAV of ITI Liquid Fund?

The current NAV varies daily. You can check the latest NAV on Allvest platform or the fund's official website for real-time updates.

What is the AUM of ITI Liquid Fund?

The AUM of ITI Liquid Fund is ₹62.25 Cr as of 14th July 2025. The AUM reflects the total assets managed by the fund.

What is the expense ratio of ITI Liquid Fund?

The expense ratio of ITI Liquid Fund Plan is 0.09 as of 14th July 2025. This is the annual fee charged for managing the fund.

What are the returns of ITI Liquid Fund since inception?

This scheme was made available to investors on 14 May 2018. Historical returns can be viewed on Allvest platform for detailed performance analysis.

What is the minimum SIP amount to invest in ITI Liquid Fund?

Minimum SIP Investment is set to ₹500. You can start systematic investments with this minimum amount.

How do I invest in ITI Liquid Fund?

You can invest through Allvest platform by selecting the fund, choosing investment amount, and completing the KYC process. Both SIP and lump sum options are available.

How to start a SIP in ITI Liquid Fund?

Login to Allvest, select ITI Liquid Fund, choose SIP option, set your monthly amount and date, complete payment setup for automatic monthly investments.

How do I automate an SIP in ITI Liquid Fund?

Through Allvest platform, you can set up auto-debit instructions from your bank account to ensure seamless monthly SIP investments without manual intervention.

How can I withdraw/redeem my investment in ITI Liquid Fund?

Access your Allvest account, go to your portfolio, select ITI Liquid Fund holdings, choose redemption amount, and submit the request. Funds typically credited within 1-2 working days.