DSP Mutual Fund
DSP Liquidity
7.1Q1★4
- NAV
- ₹4,087.41
- Expense
- 0.13%
- AUM
- ₹21.1 K Cr
- 1Y
- +6.4%
- 3Y
- +7.0%
- 5Y
- +6.1%
#1 of 9
Min SIP: ₹100Ideal: 1 week to 3 monthsLow to Moderate Risk
Axis Mutual Fund
Axis Liquid Fund - Direct Plan - Growth Option
3Y returns
7.1%
past performance*
5Y returns
6.1%
past performance*
—Expense ratio
₹30.2K CrFund size
A licensed partner advisor will guide you — free, no PAN or bank details needed now.
*Past performance does not guarantee future returns. Returns are historical and subject to market risk.
NAV₹3,180.24
1D—
Expense—
AUM₹30.2K Cr
Min SIP₹500
Min Lumpsum₹5,000
Trailing returns (CAGR)
| 1W | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| +0.09% | +0.75% | +1.76% | +3.21% | +6.38% | +7.05% | +6.13% | +6.20% |
🎯 OnePaisa Verdict
5.8/ 10
AverageBreakdown
- Returns8/10
- Consistency6/10
- Risk1/10
- Cost5/10
- Size9/10
- Large, well-established fund (₹30K Cr AUM)
💡 Ratings are not guarantees. Past performance does not predict future results.
SIP Returns
Simulated ₹10,000/month systematic investment plan, computed from NAV history.
1 Year SIP
+6.93%
₹1.25 L value on ₹1.20 L invested
3 Year SIP
—
Not enough NAV history yet.
5 Year SIP
—
Not enough NAV history yet.
vs Category (Liquid)
This fund (1Y)
+6.38%
Rank #3 of 9
Category average (1Y)
+6.30%
Quartile Q2
Beats 67% of liquid funds on 1Y return.
Risk Analysis
- Std Deviation (1Y)0.18%Low
- Max Drawdown (1Y)0.00%Low
- Sharpe Ratio (1Y)-0.67Poor
- Sortino Ratio (1Y)0.00Poor
💡 Higher Sharpe = better risk-adjusted returns. Above 1.0 is good, above 2.0 is excellent. Drawdown is the worst peak-to-trough decline.
Calendar Year Returns
+4.16%
2025
+2.12%
2026
🎯 Is This Fund Right For You?
- Ideal horizon
- 1 week to 3 months
- Minimum: 1 day
- Risk profile
- Low
- SIP recommended
- ➖ Lump sum preferred
- Lump sum as needed
Securities maturing within 91 days. Near-zero credit risk. Best alternative to a savings account.
Suitable goals
- Emergency fund parking
- Short-term surplus
- Better-than-savings-account returns
Suitable for
- Everyone — emergency fund
- Those with idle cash for 1 week to 3 months
- Corporate treasury
Not suitable for
- Long-term wealth creation (returns barely beat inflation)
🧾 Taxation
This is an Debt Fund.
- Short-term (Less than 2 years (listed) / 3 years (unlisted))
- As per income tax slab
- Long-term (2 years or more (listed))
- 12.5%
- LTCG exemption
- No exemption
- TDS
- No TDS for resident Indians on redemption
💡 Worked example
Invest ₹1,00,000 and gain ₹25,000 over 2 years:
- Tax type: LTCG (12.5% LTCG)
- Taxable gain: ₹25,000
- Tax owed: ₹3,125
- You keep: ₹1,21,875
Post-Budget 2025: listed debt funds held over 2 years qualify for 12.5% LTCG (no indexation). Unlisted debt funds need 3 years.
🚨 Things to Watch
Poor risk-adjusted returns
Sharpe ratio of -0.67 means you’re not being adequately compensated for the risk taken.
📊 SIP Calculator — Axis Liquid Fund Option
Estimated corpus
₹3.52 L
- Total invested
- ₹3.00 L
- Estimated gain
- ₹51,806 (+17%)
▮ Invested▮ Gains
How it stacks up vs alternatives
- Fixed Deposit (7%)₹3.60 L
- Category average (7.0%)₹3.60 L
- This fund (6.13%)₹3.52 L
⚠️ Projection based on past CAGR. Actual returns may vary. Markets are subject to risk; past performance is not a guarantee of future results.
▶Show Advanced Analysis
📈 Risk vs Return
Return 6.4% · Risk (std dev) 0.2%
SweetGrowthSlowAvoidLow riskHigh risk
Safe but slow
Stable but modest returns — suits capital preservation.
Sharpe ratio of -0.67 confirms poor risk-adjusted returns.
Fund information
- Scheme category
- Debt Scheme - Liquid Fund
- Lock-in
- None
- Plan
- Direct
- Option
- Growth
Data freshness
- NAV as of: 2026-10-22
- Metrics calculated: 2026-10-23
- Source: mfapi.in, AMFI India
NAV trend
See how a SIP grows in this fund
Use the SIP Calculator with this fund's historical CAGR to project a monthly investment.
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- Expense
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- 1Y
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