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Short Term Cash Parking

Liquid Funds

Park your idle savings safely. Earn yields higher than standard savings bank accounts with low-volatility money market assets and quick 24-hour redemptions.

Outperform Savings Yields

Earn interest yields between 6% and 7% p.a., outperforming standard bank savings account rates (2.5% to 3.5%).

Instant Redemptions

Get quick liquidity transfers in 24 hours (T+1). Select schemes offer instant cash payouts up to ₹50,000.

Low Maturity Assets

Funds invest in commercial paper and treasury bills with a maximum maturity of 91 days, guaranteeing stability.

Instant Payout

Smart Cash Management

If you have a lump-sum amount from a property sale or bonus that you plan to spend in a few weeks, leaving it in a savings account loses value. Liquid funds act as secure interest boosters while keeping your cash completely accessible.

  • ✔ No lock-in restrictions
  • ✔ Low expense ratios (~0.15% to 0.30%)
  • ✔ Zero entry or exit loads after 7 days
Asset Safety

Why Choose Liquid Funds?

Liquid mutual funds are standardly used by corporates and smart retail investors to manage capital reserves. Here is why:

  • High Quality Holdings: Funds invest strictly in highly secure institutional instruments (like Sovereign Treasury Bills, Certificate of Deposits from leading public banks, and high-tier Commercial Paper).
  • Zero Price Fluctuations: Due to short-term maturities (under 91 days), liquid funds carry almost zero sensitivity to interest rate shifts, ensuring constant capital stability.
  • Systematic Transfer Plan (STP) Gateway: Park lump-sums in liquid funds and set up an automated STP to periodically transfer fixed amounts into equity mutual funds, averaging costs.
FAQs

Frequently Asked Questions

Find immediate answers regarding liquid debt mutual funds.

What are liquid mutual funds?

Liquid funds are debt mutual fund schemes that invest their accumulated capital in short-term money market instruments (such as Treasury Bills, Commercial Paper, Certificate of Deposits) that mature in less than 91 days, guaranteeing high liquidity and low volatility.

How fast can I redeem my money from liquid funds?

Standard redemptions are processed within 1 business day (T+1). Additionally, many AMCs offer an **Instant Redemption** facility that allows you to instantly transfer up to ₹50,000 or 90% of your total fund value (whichever is lower) to your registered bank account 24/7.

Are there any exit loads on liquid funds?

Yes, under SEBI guidelines, a nominal exit load applies only if you redeem your units within 7 days from the purchase date. The exit load reduces progressively to 0% after day 7, after which all redemptions carry zero charges.

Earn Higher Returns on Your Cash Reserves

Compare top-rated liquid mutual funds and start parking your idle savings online in minutes.