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Product scoring may vary based on gender, age, policy tenure and sum assured.
Gender
Male
Age Group
The lowest age in the selected range is considered for price evaluation (e.g., 25 - 29)
30 - 34
Sum Assured
₹ 1Cr
Debt • Liquid • CRISIL Liquid Debt Index
Navi Liquid Fund(G)-Direct Plan
1 Finance Rank:
35
351 Finance Score:
47100
Yield To Maturity Score
51
Quality & Diversification Score
54
Standard Deviation Score
100
Modified Duration Score
99
AUM Score
8
Historical Performance score
67
by 1 Finance Research 1 Finance Scores reflect a holistic assessment of fund performance, risk, and costs.
AUM
₹ 62 Cr(As on 31-Mar-2026)NAV
₹ 30.0388(As on 10-May-2026)Expense Ratio
0.15%(As on 31-Mar-2026)Investment Horizon
1 week to 1 month
35
Debt • Liquid • CRISIL Liquid Debt Index
Navi Liquid Fund(G)-Direct Plan
This fund ranks 35th out of 38 funds in its category.
AUM₹ 62 Cr(As on 31-Mar-2026)
NAV₹ 30.0388(As on 10-May-2026)
Expense Ratio0.15%(As on 31-Mar-2026)
Investment Horizon1 week to 1 month
1 Finance Score: 47/100
Yield To Maturity Score
51
Quality & Diversification Score
54
Standard Deviation Score
100
Modified Duration Score
99
AUM Score
8
Historical Performance score
67
Fundamental Ratios
Modified Duration
6.33 yearsAverage Maturity
0.07 yearsYield To Maturity
6.33%Standard Deviation
0.01%Portfolio summary
Asset Allocation
Debt
Others
83.22%
16.78%
Credit Rating
SOV
24.11%
AAA
24.08%
Cash Eqv.
16.03%
AA
0.00%
Others
0.00%
Debt Sector Allocation
Bank
27.08%
G-Sec
24.11%
Finance
24.08%
Cash & Cash Equivalents
16.03%
Top Holdings
| Holding Names | Assets (%) |
|---|---|
| 91 Days Treasury Bill - 02-Jan-2026 | 14.43% |
| Small Industries Development Bank of India SR-IX 07.59% (10-Feb-2026) | 7.23% |
| 91 Days Treasury Bill - 15-Jan-2026 | 7.20% |
| Kotak Mahindra Bank Ltd. (15-Jan-2026) | 7.20% |
| Cash & Cash Equivalent | 7.18% |
Peer comparison
| Fund List | 1 F score | Fund Size | Expense Ratio |
|---|
Pros and Cons
Pros
The fund demonstrates a low level of volatility as the standard deviation is low.
Relatively low modified duration indicates lower sensitivity to interest rate changes, suggesting lower risk.
Cons
There is a possibility of lower returns as the fund maintains a low Yield to Maturity (YTM).
The fund holds low
quality bonds and securities, along with a concentrated portfolio.
Low AUM may result in limited portfolio diversification.
Should you invest?
Invest if you are :
- Those who need to access their cash quickly and want to park their money for a short period of time.
- Its ideal investment to create emergency funds.
- Those who wants to invest in equity funds through STP (Systematic Transfer Plan) should invest in this fund
Avoid if you are :
- Long term investors and high risk takers can avoid this scheme
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Taxation
If bought before April 1, 2023
- Less than or equal to 24 months: Short-Term Capital Gains (STCG) are taxed as per your applicable income tax slab.
- More than 24 months: Long-Term Capital Gains (LTCG) are taxed at 12.5% on gains.
If bought after April 1, 2023
- Taxed at applicable slab rates.
Scheme Details
Scheme Objective
- To provide a high level of liquidity with reasonable returns commensurate with low risk through a portfolio of money market and debt securities. However, there can be no assurance that the investment objective of the scheme will be achieved.
Exit Load
- 0.007% for Day 1, 0.0065% on Day 2, 0.0060% on Day 3, 0.0055% on Day 4, 0.0050% on Day 5, 0.0045% on Day 6, NIL on or after 7D
Minimum investment amount
Lumpsum
₹ 100 (open for subscription)
Other details
Founded In2013
Email Addressmf@navi.com
| Fund Manager Name | Total Exp. (Years) | No. of Funds Managed |
|---|---|---|
| Tanmay Sethi | 1.8 | 2 |
About Navi MF
- Navi Mutual Fund is a tech-driven fund house founded with a mission to make investing simple and affordable. It offers a broad suite of funds powered by a customer-first, digital-first philosophy.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
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We look where past returns don't
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Frequently Asked Questions
Are debt funds risk-free?
No, debt funds aren’t entirely risk-free. They may be less volatile than equities, but carry risks like changing interest rates, credit, liquidity, concentration, and prepayment. Hence, as an investor, it is crucial you personalise your portfolio based on your financial personality, which includes your risk comfort and time horizon of your financial goals.
Is a higher yield-to-maturity (YTM) always better?
Not necessarily in every case. A higher yield-to-maturity (YTM) often implies a bond having lower credit ratings, possessing higher default risk. You must weigh YTM against your portfolio quality and your time horizon.
What’s best for an emergency fund?
An emergency fund requires saving 3-6 months of expenses, meaning planning for short-term goals. While debt funds like overnight or liquid funds are usually the preferred options due to their strong liquidity benefits, it is imperative for you to choose a fund that aligns with your financial personality.
Who can invest in debt funds?
Debt funds are suitable for investors who prefer easy liquidity, want low-risk investments, or aim for capital preservation.
Are debt funds better than equity funds?
A mutual fund scheme is designed with a specific purpose. Equity funds are for capital appreciation, while debt funds focus on capital preservation. It depends entirely on your personal finance goals, risk tolerance, and investment horizon. Choosing between debt and equity funds must align with what you want to achieve financially.
Disclaimer
The Information in the scoring and ranking model is provided solely for general information and educational purposes and shall not constitute any advice or recommendation. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not an indicator of future returns.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
- Mutual fund tax harvesting
- Fund overlap check & more