Investment Objective and Approach

PGIM India Liquid Fund aims to generate steady returns along with high liquidity by investing in a portfolio of short-term, high quality money market and debt instruments. The fund invests in debt and money market securities with maturity of up to 91 days only.

The fund follows a conservative approach by investing in high-grade short-term instruments, making it suitable for investors seeking capital preservation with modest returns. The scheme is classified as having relatively low interest rate risk and moderate credit risk. The fund management strategy focuses on maintaining high liquidity while ensuring safety of principal amount.

Key investment features:

- Invests primarily in money market instruments with maturity up to 91 days

- Maintains high credit quality standards

- Focuses on capital preservation with reasonable returns

- Provides high liquidity for quick redemptions

Fund Managers

PGIM India Liquid Fund is currently managed by fund managers Puneet Pal and Bhupesh Kalyani.

Puneet Pal:

Mr. Pal holds an MBA from SIBM Pune and has worked with BNP Paribas AMC as Head - Fixed Income, UTI AMC as SVP and Fund Manager, and TATA AMC as Fund Manager before joining PGIM India Mutual Fund. Mr. Puneet Pal joined PGIM India Asset Managers Private Ltd. in 2017 as the Director of Fixed Income and manages an AuM of Rs. 360 Crore invested in 22 schemes including PGIM India Dynamic Bond, PGIM India Gilt Fund, PGIM India Banking & PSU Debt Fund, and PGIM India Short Maturity Fund.

Bhupesh Kalyani:

Mr. Kalyani is a CA, ICWA and CISA, and was previously associated with IDBI AMC, LIC Mutual Fund, Edelweiss Mutual Fund, Tata Mutual Fund and Star Union Dai-ichi life Insurance Co. Ltd before joining PGIM India Mutual Fund.

About the Fund House (AMC)

PGIM India Mutual Fund was established in 2010 as a wholly-owned business of PGIM, the global investment management business of Prudential Financial, Inc. (PFI), USA. The fund house has leveraged on the strength and stability of its parent company to build on its decade long history in India.

PGIM India Mutual Fund is a wholly owned business of PGIM, the global investment management business of the US based Prudential Financial, Inc. (PFI). PGIM is a leading global investment manager with a wide range of actively managed asset classes including Equities, Fixed Income, Real Estate, private credit, and other alternatives.

Global Presence and Experience:

PGIM operates across 16 countries and has 38 offices with over 1,300+ investment professionals. PGIM India Mutual Fund leverages PGIM's shared legacy of 150 years and global resources along with local investment expertise to create wealth-building solutions for both retail and institutional investors.

Fund House Statistics (as of March 2024):

As of March 2024, PGIM India has a total AUM of 23240.16 Crores. Total AUM stands at ₹25,211.92 Cr with 73 schemes under management.

Should I Invest in PGIM India Liquid Fund?

PGIM India Liquid Fund is suitable for investors with specific investment needs and risk profiles:

Ideal for:

- Investors seeking high liquidity with capital preservation

- Short-term parking of funds (emergency corpus)

- Conservative investors with low risk tolerance

- Those requiring quick access to funds without significant exit loads

Key Investment Metrics (as of August 2025):

- AUM: ₹512.79 Crores as of August 6, 2025

- Minimum SIP Amount: ₹1,000

- Minimum Lump Sum: ₹5,000

- Latest NAV: ₹345.980 as of August 6, 2025

- Expense Ratio: 0.12% as of April 20, 2025

Performance Analysis:

The scheme's return performance in the last 1 year is 7.16%, in last 3 years is 22.87% and 131.73% since scheme launch. The 1-year, 3-year and 5-year returns were 7.17%, 6.93% and 5.49% respectively.

Risk Considerations:

- Very low interest rate risk due to short maturity profile

- Minimal credit risk with high-quality instruments

- Returns may be affected by changes in money market rates

- The volatility or standard deviation for the fund is 0.11, indicating low risk

FAQs

What is today's NAV of PGIM India Liquid Fund?

The latest NAV is ₹345.980 as of August 6, 2025 at 1:17 pm. NAV is updated daily and reflects the current market value of the fund's holdings.

What is the AUM of PGIM India Liquid Fund?

The fund has an AUM of ₹512.79 Crores as of August 6, 2025. This represents the total market value of assets managed by the fund.

What is the expense ratio of PGIM India Liquid Fund?

The expense ratio is 0.12% as of April 20, 2025. This is the annual fee charged for managing your investment and is quite competitive for liquid funds.

What are the returns of PGIM India Liquid Fund since inception?

The fund has delivered 131.73% returns since scheme launch. The fund was launched with its Direct Plan starting from January 01, 2013.

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

The minimum SIP amount is ₹1,000. You can start systematic investments with this amount on a monthly basis.

How do I invest in PGIM India Liquid Fund?

You can invest through Allvest by completing your KYC documentation, selecting the fund, choosing your investment amount, and completing the payment process. Allvest provides a seamless digital investment platform for mutual fund investments.

How to start a SIP in PGIM India Liquid Fund?

Log into your Allvest account, search for PGIM India Liquid Fund, select the SIP option, choose your monthly investment amount (minimum ₹1,000), select your preferred SIP date, and set up automatic deductions from your bank account.

How do I automate an SIP in PGIM India Liquid Fund?

Through Allvest, you can set up auto-invest features that automatically invest your chosen amount at regular intervals. Simply enable the auto-SIP option and provide bank mandate for seamless automated investments.

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

Log into your Allvest account, navigate to your portfolio, select the PGIM India Liquid Fund holdings, choose the redemption amount, and submit your withdrawal request. Note that exit loads apply: 0.0070% if redeemed within 1 day, decreasing to 0.0045% if redeemed within 6 days.