JM Liquid Fund Regular Growth
Capital PreservationLiquidLow to Moderate Risk
Regular
NAV (19-Jan-26)
Returns (Since Inception)
Fund Overview
Fund Size
₹2,851 Cr
Expense Ratio
0.26%
ISIN
INF192K01882
Minimum SIP
₹100
Exit Load
No Charges
Inception Date
31 Dec 1997
About this fund
As of 19-Jan-26, it has a Net Asset Value (NAV) of ₹73.47, Assets Under Management (AUM) of 2850.92 Crores, and an expense ratio of 0.26%.
- JM Liquid Fund Regular Growth has given a CAGR return of 7.37% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 0.00% in debts, and 99.72% in cash & cash equivalents.
- You can start investing in JM Liquid Fund Regular Growth with a SIP of ₹100 or a Lumpsum investment of ₹1000.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+6.30%
+5.82% (Cat Avg.)
3 Years
+6.85%
+6.38% (Cat Avg.)
5 Years
+5.76%
+5.34% (Cat Avg.)
10 Years
+6.09%
+5.20% (Cat Avg.)
Since Inception
+7.37%
— (Cat Avg.)
Portfolio Summaryas of 30th November 2025
| Others | ₹2,850.92 Cr | 100.00% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Ccil | Cash - Repurchase Agreement | ₹162.37 Cr | 5.70% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹149.95 Cr | 5.26% |
| 364 DTB 12022026 | Bond - Gov't/Treasury | ₹148.43 Cr | 5.21% |
| Punjab National Bank | Bond - Gov't Agency Debt | ₹124.66 Cr | 4.37% |
| Canara Bank | Cash - CD/Time Deposit | ₹123.69 Cr | 4.34% |
| National Bank For Agriculture And Rural Development | Cash - CD/Time Deposit | ₹123.65 Cr | 4.34% |
| T-Bill | Bond - Gov't/Treasury | ₹102.22 Cr | 3.59% |
| Export-Import Bank Of India | Cash - Commercial Paper | ₹99.82 Cr | 3.50% |
| Small Industries Development Bank Of India | Cash - Commercial Paper | ₹99.78 Cr | 3.50% |
| Axis Bank Ltd. | Bond - Corporate Bond | ₹99.73 Cr | 3.50% |
| Punjab National Bank | Cash - CD/Time Deposit | ₹99.37 Cr | 3.49% |
| India (Republic of) | Bond - Short-term Government Bills | ₹99.22 Cr | 3.48% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹98.95 Cr | 3.47% |
| Redington Ltd. | Bond - Corporate Bond | ₹98.68 Cr | 3.46% |
| Canara Bank | Cash - CD/Time Deposit | ₹98.62 Cr | 3.46% |
| Kotak Mahindra Bank Limited | Cash - CD/Time Deposit | ₹88.87 Cr | 3.12% |
| Axis Finance Limited | Bond - Corporate Bond | ₹50.15 Cr | 1.76% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹50.07 Cr | 1.76% |
| Bank Of Baroda | Cash - CD/Time Deposit | ₹49.99 Cr | 1.75% |
| Icici Securities Limited (Earlier Icici Brokerage Services Limited) | Cash - Commercial Paper | ₹49.98 Cr | 1.75% |
| L&T Finance Limited | Cash - Commercial Paper | ₹49.97 Cr | 1.75% |
| Icici Securities Limited (Earlier Icici Brokerage Services Limited) | Cash - Commercial Paper | ₹49.92 Cr | 1.75% |
| Bajaj Financial Securities Limited | Cash - Commercial Paper | ₹49.86 Cr | 1.75% |
| Godrej Properties Limited | Cash - Commercial Paper | ₹49.81 Cr | 1.75% |
| Kotak Securities Ltd | Cash - Commercial Paper | ₹49.8 Cr | 1.75% |
| Export-Import Bank Of India | Cash - CD/Time Deposit | ₹49.77 Cr | 1.75% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹49.64 Cr | 1.74% |
| Bank of Baroda | Bond - Corporate Bond | ₹49.53 Cr | 1.74% |
| Bank Of India | Cash - CD/Time Deposit | ₹49.41 Cr | 1.73% |
| HDFC Bank Ltd | Cash - CD/Time Deposit | ₹49.37 Cr | 1.73% |
| LIC Housing Finance Ltd | Cash - Commercial Paper | ₹49.37 Cr | 1.73% |
| Cholamandalam Investment & Finance Co Ltd. | Cash - Commercial Paper | ₹49.36 Cr | 1.73% |
| Bajaj Finance Ltd. | Cash - Commercial Paper | ₹49.36 Cr | 1.73% |
| Kotak Securities Ltd. | Cash - Commercial Paper | ₹49.29 Cr | 1.73% |
| T-Bill | Bond - Gov't/Treasury | ₹48.39 Cr | 1.70% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹25.03 Cr | 0.88% |
| Reliance Retail Ventures Limited | Cash - Commercial Paper | ₹24.96 Cr | 0.88% |
| India (Republic of) | Bond - Short-term Government Bills | ₹19.97 Cr | 0.70% |
| Net Receivable/Payable | Cash | ₹9.8 Cr | 0.34% |
| Corporate Debt Market Development Fund - Class A2 Units | Mutual Fund - Open End | ₹8.1 Cr | 0.28% |
| India (Republic of) | Bond - Short-term Government Bills | ₹2 Cr | 0.07% |
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Cash - CD/Time Deposit | ₹1,031.29 Cr | 36.17% |
| Cash - Commercial Paper | ₹721.28 Cr | 25.30% |
| Bond - Corporate Bond | ₹373.19 Cr | 13.09% |
| Bond - Gov't/Treasury | ₹299.03 Cr | 10.49% |
| Cash - Repurchase Agreement | ₹162.37 Cr | 5.70% |
| Bond - Gov't Agency Debt | ₹124.66 Cr | 4.37% |
| Bond - Short-term Government Bills | ₹121.2 Cr | 4.25% |
| Cash | ₹9.8 Cr | 0.34% |
| Mutual Fund - Open End | ₹8.1 Cr | 0.28% |
Risk & Performance Ratios
Standard Deviation
This fund
0.17%
Cat. avg.
0.31%
Lower the better
Sharpe Ratio
This fund
1.86
Cat. avg.
-0.84
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
9.11
Higher the better
Fund Managers
Killol Pandya
Since November 2024
Ruchi Fozdar
Since April 2024
Jayant Dhoot
Since August 2025
Additional Scheme Detailsas of 30th November 2025
ISIN INF192K01882 | Expense Ratio 0.26% | Exit Load No Charges | Fund Size ₹2,851 Cr | Age 28 years | Lumpsum Minimum ₹1,000 | Fund Status Open Ended Investment Company | Benchmark CRISIL Liquid Debt TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
Dividend Taxation:
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Liquid Funds
About the AMC
JM Financial Mutual Fund
Total AUM
₹15,233 Cr
Address
502, 5th Floor, A - Wing, Mumbai, 400 051
Other Funds by JM Financial Mutual Fund
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| JM Large & Mid Cap Fund Direct Growth Very High Risk | 0.6% | 1.0% | ₹404.46 Cr | - |
| JM Overnight Fund Direct Growth Low Risk | 0.1% | 0.0% | ₹220.88 Cr | 5.6% |
| JM Small Cap Fund Direct Growth Very High Risk | 0.6% | 1.0% | ₹702.76 Cr | -4.2% |
| JM Fixed Maturity Fund Series 28 Plan B Direct Growth Moderate Risk | - | 0.0% | - | - |
| JM Fixed Maturity Fund Series 28 Plan A Direct Growth Moderate Risk | - | 0.0% | - | - |
| JM Arbitrage Fund Direct Growth Low Risk | 0.4% | 0.0% | ₹373.23 Cr | 6.6% |
| JM Equity Hybrid Fund Direct Growth Very High Risk | 0.7% | 1.0% | ₹785.33 Cr | 2.8% |
| JM Focused Fund Direct Growth Very High Risk | 0.7% | 1.0% | ₹298.94 Cr | 4.2% |
| JM Value Fund Direct Growth Very High Risk | 1.0% | 1.0% | ₹957.01 Cr | -1.5% |
| JM Low Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹130.79 Cr | 7.4% |
| JM Large Cap Fund Direct Growth Very High Risk | 0.8% | 1.0% | ₹482.48 Cr | 7.6% |
| JM Liquid Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹2850.92 Cr | 6.4% |
| JM Dynamic Bond Fund Direct Growth Moderate Risk | 0.4% | 0.0% | ₹58.47 Cr | 6.8% |
| JM Medium to Long Duration Fund Direct Growth Moderate Risk | 0.6% | 0.0% | ₹30.60 Cr | 6.5% |
| JM Flexicap Fund Direct Growth Very High Risk | 0.6% | 1.0% | ₹5463.07 Cr | -3.3% |
| JM Tax Gain Fund Direct Growth Very High Risk | 1.0% | 0.0% | ₹226.48 Cr | 5.0% |
| JM Midcap Fund Direct Growth Very High Risk | 0.6% | 1.0% | ₹1474.62 Cr | 1.9% |
| JM Overnight Fund Direct Growth Low Risk | 0.1% | 0.0% | ₹200.81 Cr | 6.8% |
| JM Short Duration Fund Direct Growth Moderate Risk | 0.4% | 0.0% | ₹86.50 Cr | 7.5% |
Risk Level
Your principal amount will be at Low to Moderate Risk
Take control of your wealth
Related Articles
Still got questions?
We're here to help.
What is the current NAV of JM Liquid Fund Regular Growth?
What are the returns of JM Liquid Fund Regular Growth?
What is the portfolio composition of JM Liquid Fund Regular Growth?
Who manages the JM Liquid Fund Regular Growth?
- Killol Pandya
- Ruchi Fozdar
- Jayant Dhoot
Track & Analyse all your investments in one place
Compare your portfolio's performance with benchmarks
Identify potential risks in your portfolio and learn to fix them
Track all your family's investments in one place
Trending Mutual Funds Searches
Popular Equity Funds
Popular Debt Funds
Dezerv Investments Pvt. Ltd. is a Portfolio Manager with SEBI Registration no. INP000007377, a member of BSE with SEBI Stock Broker Registration no. INZ000303136, and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
