Investment Objective and Approach

The fund seeks to provide investors an opportunity to invest in the entire range of debt and money market securities with residual maturity up to 91 days only. 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.

The fund follows a conservative investment approach focused on capital preservation while generating slightly higher returns than traditional savings accounts. 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.

Key investment details as of August 2025:

- AUM: ₹68,443.37 Cr as of 25th August 2025

- Expense Ratio: 0.21% as of 25th August 2025

- 5-year annualized returns: 5.51% as of 05-Aug-2025

- CAGR return since inception: 6.83%

- Minimum SIP investment: ₹500, Minimum lumpsum investment: ₹500

Fund Managers

R Arun is the current Fund Manager of SBI Liquid Fund Direct Plan Growth fund. The fund is managed by Rajeev Radhakrishnan (Note: There appears to be different managers for different plans of the fund).

Mr. Rajeev joined SBI Funds Management Pvt. Ltd. in June 2008 and manages various Fixed Income schemes. He brings with him over 10 years of experience in funds management including around 2 years in equity funds and research and 8 years in Fixed Income Funds. He was earlier associated with UTI Mutual Fund as a Co-Fund Manager, managing fixed income funds and debt portion of balanced schemes.

About the Fund House (AMC)

The SBI Mutual Fund is a Joint Venture (JV) between one of India's largest and most profitable banks, the State Bank of India, and Amundi, which is a French asset management company. The SBI Mutual Fund was set up on June 29, 1987 and was incorporated on February 7, 1992. It was India's second Mutual Fund after the Unit Trust of India started operations in 1963.

In July 2004, SBI decided to divest 37% of the Fund and roped in Amundi as a partner. Amundi is an asset management major created jointly by Crédit Agricole and Société Générale. They are a Joint Venture between SBI and AMUNDI (France), one of the world's leading fund management companies., SBI currently holds 63% stake in SBIFMPL.

As of March 2024, the SBI Mutual Fund manages assets worth Rs. 9.14 lakh crores. In early 2019, it moved past Aditya Birla and HDFC Mutual Funds to emerge as the 3rd largest Mutual Fund body in India based on Assets under Management or AUM.

With 30 years of rich experience in fund management, SBI Funds Management Ltd. (SBIFML) bring forward their expertise by consistently delivering value to their investors. They have a strong and proud lineage that traces back to the State Bank of India (SBI) - India's largest bank.

Should I Invest in SBI Liquid Fund?

SBI Liquid Fund can be considered if you are looking for:

Suitable for:

- Emergency fund parking with better returns than savings accounts

- Short-term surplus money investment (few weeks to a year)

- Capital preservation with minimal risk

- Low to moderate risk investors

- Quick liquidity needs as redemption of liquid funds takes 1-2 working days

Consider the following:

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

- Tax implications: Returns are taxed as per your Income Tax slab

- Low volatility with standard deviation of 0.10

The fund is ideal for conservative investors seeking stable returns with high liquidity and minimal risk exposure.

FAQs

What is today's NAV of SBI Liquid Fund?

The NAV changes daily. You can check the latest NAV on the Allvest platform or official AMC website for real-time updates.

What is the AUM of SBI Liquid Fund?

As of 25th August 2025, the fund has an AUM of ₹68,443.37 Cr.

What is the expense ratio of SBI Liquid Fund?

The expense ratio is 0.21% as of 25th August 2025.

What are the returns of SBI Liquid Fund since inception?

The fund has delivered a CAGR return of 6.83% since inception.

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

The minimum SIP investment is ₹500.

How do I invest in SBI Liquid Fund?

You can invest through Allvest platform, official SBI Mutual Fund website, or through registered distributors with proper KYC documentation.

How to start a SIP in SBI Liquid Fund?

Register on Allvest, complete KYC, select the fund, choose SIP option, set amount and frequency, and set up auto-debit instructions.

How do I automate an SIP in SBI Liquid Fund?

Set up auto-debit mandate through Allvest platform or your bank for automated monthly deductions from your bank account.

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

You can redeem through Allvest platform or AMC website. Liquid fund redemptions typically take 1-2 working days with applicable exit loads.