Investment Objective and Approach

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. The fund aims to provide a high level of liquidity with reasonable returns commensurating with low risk through a portfolio of money market and debt securities.

Liquid funds are debt funds that invest majorly in fixed-income instruments with a maturity of up to 91 days. The fund follows a conservative investment approach, focusing on:

- Short-term debt instruments with maturity up to 91 days

- Money market securities to maintain high liquidity

- Treasury bills and commercial papers for stable returns

- Bank deposits and certificates of deposit for capital preservation

The fund's investment strategy prioritizes capital safety and liquidity over aggressive growth, making it suitable for investors seeking an alternative to savings accounts with marginally higher returns.

Fund Managers

Mr. Saravana Kumar is currently the Chief Investment Officer (CIO) at Navi Mutual Fund since 2019. He manages an AuM of Rs. 500 Crore invested in 22 schemes like Navi Multi Cap Fund, Navi Equity Hybrid Fund, etc.

Professional Background:

- Before joining Navi, Mr. Kumar was the CIO of LIC Mutual Fund

- He has also worked with UTI Mutual Fund, SBI Mutual Fund, and ICICI Bank

Educational Qualifications:

- Mr. Kumar holds a BE in Electronics and Communication degree from the Government College of Engineering and an MBA degree from IIM Bangalore

- He is also a CAIIB from the Indian Institute of Bankers and has completed the Management Development Programme (MDP) on Financial Markets from Merrill Lynch

The fund also has experienced professionals managing specific aspects of the portfolio, ensuring professional fund management with extensive industry expertise.

About the Fund House (AMC)

Navi AMC (formerly Essel mutual fund) is founded by Sachin Bansal (co-founder and ex-Chairman of Flipkart) and Ankit Agarwal (ex-banker with Deutsche Bank and Bank of America).

Key Details:

- Establishment: Navi AMC was started in December 2018 with a mission to make financial services hassle-free, affordable and simply accessible

- Registration: The AMC's sponsor is Anmol Como Broking Private Limited and it is registered with the Securities & Exchange Board of India (SEBI) under the same name

- Structure: The investment manager of Navi Mutual Funds is Navi AMC Limited and the trustee to Navi AMC Limited is Navi Trustee Limited

- Rebranding: In January 2021, Navi acquired Essel Finance Mutual Fund and rebranded it as Navi

Investment Philosophy:

It leverages a technology-driven and customer-centric approach to establish products in the financial services space. Navi also offers a plethora of financial services and products including Personal Loans, Home Loans, vehicle Loans (two wheeler), SME Business Loans and also General Insurance.

Current AUM: As of December 2023, the fund house manages assets totaling Rs. 4149 crores.

Should I Invest in Navi Liquid Fund?

Navi Liquid Fund is suitable for investors who:

Ideal For:

- Seeking higher returns than savings accounts with similar liquidity

- Need emergency fund parking with easy access to money

- Want to invest surplus cash for short-term periods (3-12 months)

- Require low-risk investment options with capital preservation

- Looking for tax-efficient alternatives to fixed deposits

Key Investment Metrics:

- Minimum Investment: ₹100 for both SIP and lump sum

- AUM: ₹106.18 Cr as of 14th July 2025

- Expense Ratio: 0.15% as of 14th July 2025

- Returns: 7.01% CAGR since inception

- Recent Performance: 6.55% over the last 1 year and 6.66% over the last 3 years

Risk Factors:

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. 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.

FAQs

What is today's NAV of Navi Liquid Fund?

The current NAV of Navi Liquid Fund is ₹28.71, as of 14th July 2025. NAV is updated daily and reflects the fund's per-unit value.

What is the AUM of Navi Liquid Fund?

The AUM (assets under management) of Navi Liquid Fund is ₹106.18 Cr as of 14th July 2025. This represents the total market value of assets managed by the fund.

What is the expense ratio of Navi Liquid Fund?

The expense ratio of Navi Liquid Fund is 0.15% as of 14th July 2025. This is the annual fee charged for managing the fund, which is relatively low for liquid funds.

What are the returns of Navi Liquid Fund since inception?

Navi Liquid Fund has given a CAGR return of 7.01% since inception. The fund was launched to provide steady returns with high liquidity.

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

The minimum SIP investment is set to ₹100. This makes it accessible for small investors to start their investment journey.

How do I invest in Navi Liquid Fund?

You can invest in Navi Liquid Fund through Allvest platform by completing your KYC, selecting the fund, choosing investment amount and payment mode. Both SIP and lump sum options are available.

How to start a SIP in Navi Liquid Fund?

To start SIP through Allvest, log in to your account, search for Navi Liquid Fund, select SIP option, choose investment amount and frequency, then set up auto-debit for regular investments.

How do I automate an SIP in Navi Liquid Fund?

SIP automation can be done through Allvest by setting up auto-debit from your bank account. This ensures regular monthly investments without manual intervention.

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

You can redeem your Navi Liquid Fund investment through Allvest platform by selecting the fund in your portfolio, choosing redeem option, entering the amount or units, and submitting the request. The investor can get their redeemed amounts within 24 hours.