Investment Objective and Approach

Unifi Liquid Fund seeks to invest in money market and debt instruments with maturities of up to 91 days with an objective to provide a high level of liquidity and reasonable returns. The fund follows a conservative investment approach focused on capital preservation while providing superior liquidity to investors.

As an open ended Liquid scheme with relatively low interest rate risk and moderate credit risk, the fund targets:

- High liquidity with same-day redemption facility

- Capital safety through short-term debt instruments

- Competitive returns compared to savings accounts

- Professional management of cash surpluses

- Minimal exit load structure for quick access to funds

The fund maintains a disciplined approach by investing in high-quality money market instruments, treasury bills, commercial papers, and certificates of deposit with maturity periods not exceeding 91 days.

Fund Managers

Saravanan V N serves as the primary fund manager for Unifi Liquid Fund. A Chartered Accountant with 20+ years of experience in fund management, capital market research, banking and audit, Saravanan has been associated with Unifi group since 2006. He was the Fund Manager for an open-ended CAT-III multi asset class AIF for 11 years between FY14 to FY24. Prior to Unifi, he worked in ICICI bank's treasury & corporate mid-office group and PwC's due diligence & assurance division.

Karthik Srinivas serves as co-fund manager. A Chartered Accountant with 10+ years of experience across functions like fund management, research, risk management & audit, over the last 4 years, Karthik has been co-managing debt strategies at Unifi group in its PMS division. He was responsible for identifying high-yield fixed income and hybrid opportunities, evaluation and monitoring. Earlier, he was part of The Sanmar Group, working in their Founders' Office and with Deloitte in their Risk Advisory practice.

About the Fund House (AMC)

Unifi Mutual Fund, the mutual fund arm of Unifi Capital, was established on March 5, 2024. The parent company, Unifi Capital, was established in 2001 as a competitive and performance-oriented asset manager, using innovative investment strategies to achieve superior risk-adjusted returns.

Key Highlights:

- As of March 2025, the AUM (Assets Under Management) is ₹110.26 crores

- Manages 3 funds with total assets of ₹640.17 crores

- Over the past 23 years, Unifi has focused exclusively on developing highly specialized asset selection & underwriting skills, outperforming equity and debt benchmarks and growing into one of India's leading independent investment managers

Corporate Leadership:

K Sarath Reddy, Founder & Chief Investment Officer, has a career spanning 30+ years in investments. He founded Unifi Capital in 2001 and works closely with the analysts and fund management team.

Philosophy and Values:

The mission of Unifi AMC is to create savings instruments that investors can confidently rely on to peacefully and successfully invest for their future. Being employee-owned allows them to prioritize long-term client relationships over short-term shareholder profits, enabling them to put performance before profits by limiting the size of their funds to align with available market opportunities.

Should I Invest in Unifi Liquid Fund?

Unifi Liquid Fund may be suitable for you if:

✓ Ideal for:

- Investors seeking parking surplus cash for short periods

- Those requiring high liquidity with minimal exit restrictions

- Conservative investors prioritizing capital safety over high returns

- Individuals looking for alternatives to savings accounts with better returns

- Emergency fund management with professional oversight

✓ Key Advantages:

- Minimal exit load structure - ranging from 0.0070% if redeemed within 1 day to 0.0045% if redeemed within 6 days

- Low minimum investment requirements - ₹1,000 for SIP and ₹5,000 for lumpsum

- Professional management by experienced fund managers

- Low to moderate risk rating

- Daily liquidity with quick redemption processing

⚠ Consider Before Investing:

- Returns may be lower compared to equity or hybrid funds

- Interest rate fluctuations can impact returns

- Suitable primarily for short-term investment horizons

- Current expense ratio of 0.2% affects net returns

FAQs

What is today's NAV of Unifi Liquid Fund?

The current NAV of Unifi Liquid Fund is ₹1002.31, as of 22nd June 2025. NAV is updated daily and reflects the fund's per-unit market value.

What is the AUM of Unifi Liquid Fund?

The AUM of Unifi Liquid Fund is ₹0 crore as the fund is relatively new, having launched in June 2025. AUM will grow as more investors participate.

What is the expense ratio of Unifi Liquid Fund?

The fund has an expense ratio of 0.2%, which is quite reasonable compared to most other debt mutual fund schemes. This represents the annual fee charged for fund management.

What are the returns of Unifi Liquid Fund since inception?

The fund has delivered a CAGR of 9908.94% since inception according to Angel One data, though this appears to be a calculation anomaly for a newly launched fund.

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

Minimum SIP Investment is set to ₹1,000. This makes it accessible for small investors looking to invest systematically.

How do I invest in Unifi Liquid Fund?

You can invest through Allvest's platform online, the fund house's website, or authorized distributors. Complete your KYC, choose between SIP or lumpsum, and make payment through net banking or UPI.

How to start a SIP in Unifi Liquid Fund?

Register on Allvest, select Unifi Liquid Fund, choose SIP option, set your monthly amount (minimum ₹1,000), select date and frequency, then set up auto-debit mandate for seamless investing.

How do I automate an SIP in Unifi Liquid Fund?

After starting your SIP through Allvest, set up an auto-debit mandate through your bank or use UPI autopay. This ensures automatic monthly deductions without manual intervention.

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

You can expect your investment to land in your bank account within two-three business days after placing the redemption request online through their website or through the mutual fund platform you have invested in.