JM Liquid Fund Regular Growth

Fund Overview

Fund Size

₹2,434 Cr

Expense Ratio

0.26%

ISIN

INF192K01882

Minimum SIP

₹100

Exit Load

No Charges

Inception Date

31 Dec 1997

About this fund

JM Liquid Fund Regular Growth is a Liquid mutual fund schemes offered by JM Financial Mutual Fund. This fund has been in existence for 27 years, 6 months and 4 days, having been launched on 31-Dec-97.
As of 03-Jul-25, it has a Net Asset Value (NAV) of ₹71.30, Assets Under Management (AUM) of 2434.16 Crores, and an expense ratio of 0.26%.

JM Liquid Fund Regular Growth has given a CAGR return of 7.40% since inception.
The fund's asset allocation comprises around 0.00% in equities, 0.00% in debts, and 99.68% 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

+7.07%

+7.00% (Cat Avg.)

3 Years

+6.89%

+6.80% (Cat Avg.)

5 Years

+5.48%

+5.44% (Cat Avg.)

10 Years

+6.22%

+5.48% (Cat Avg.)

Since Inception

+7.40%

— (Cat Avg.)

Portfolio Summaryas of 15th June 2025

Others

₹2,434.16 Cr

100.00%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
Ccil	Cash - Repurchase Agreement	₹262.86 Cr	10.80%
91 Days Tbill (Md 28/08/2025)	Bond - Gov't/Treasury	₹197.88 Cr	8.13%
Export-Import Bank Of India	Cash - Commercial Paper	₹99.15 Cr	4.07%
HDFC Bank Limited	Cash - CD/Time Deposit	₹99 Cr	4.07%
Small Industries Development Bank Of India	Cash - Commercial Paper	₹98.86 Cr	4.06%
Bank of Baroda	Bond - Corporate Bond	₹98.74 Cr	4.06%
Punjab National Bank	Bond - Gov't Agency Debt	₹98.73 Cr	4.06%
Canara Bank	Cash - CD/Time Deposit	₹74.99 Cr	3.08%
Godrej Agrovet Ltd.	Cash - Commercial Paper	₹74.19 Cr	3.05%
Bank of Baroda	Bond - Corporate Bond	₹49.95 Cr	2.05%
Canara Bank	Cash - CD/Time Deposit	₹49.88 Cr	2.05%
The Federal Bank Limited	Cash - CD/Time Deposit	₹49.6 Cr	2.04%
ICICI Home Finance Company Limited	Cash - Commercial Paper	₹49.59 Cr	2.04%
Piramal Housing Finance Limited	Cash - Commercial Paper	₹49.58 Cr	2.04%
Reliance Retail Ventures Limited	Cash - Commercial Paper	₹49.52 Cr	2.03%
India (Republic of)	Bond - Short-term Government Bills	₹49.52 Cr	2.03%
Aditya Birla Capital Ltd.	Cash - Commercial Paper	₹49.51 Cr	2.03%
PNB Housing Finance Ltd.	Cash - Commercial Paper	₹49.47 Cr	2.03%
Axis Bank Limited	Cash - CD/Time Deposit	₹49.47 Cr	2.03%
SBI Cards & Payment Services Ltd.	Cash - Commercial Paper	₹49.43 Cr	2.03%
Reliance Retail Ventures Limited	Cash - Commercial Paper	₹49.43 Cr	2.03%
Godrej Properties Ltd.	Cash - Commercial Paper	₹49.42 Cr	2.03%
Bajaj Housing Finance Ltd.	Cash - Commercial Paper	₹49.4 Cr	2.03%
360 One Prime Ltd.	Cash - Commercial Paper	₹49.39 Cr	2.03%
Canara Bank	Cash - CD/Time Deposit	₹49.38 Cr	2.03%
Indian Bank	Bond - Gov't Agency Debt	₹49.37 Cr	2.03%
India (Republic of)	Bond - Short-term Government Bills	₹49.37 Cr	2.03%
Canara Bank	Bond - Gov't Agency Debt	₹49.37 Cr	2.03%
Export-Import Bank of India	Cash - Commercial Paper	₹49.36 Cr	2.03%
Indian Oil Corp Ltd.	Cash - Commercial Paper	₹49.36 Cr	2.03%
Small Industries Development Bank of India	Cash - Commercial Paper	₹49.36 Cr	2.03%
Icici Securities Limited	Cash - Commercial Paper	₹49.27 Cr	2.02%
ICICI Securities Limited	Cash - Commercial Paper	₹44.6 Cr	1.83%
Kotak Mahindra Investments Ltd.	Cash - Commercial Paper	₹24.98 Cr	1.03%
HDFC Bank Limited	Cash - CD/Time Deposit	₹24.97 Cr	1.03%
National Bank For Agriculture And Rural Development	Cash - Commercial Paper	₹24.97 Cr	1.03%
Kotak Securities Ltd	Cash - Commercial Paper	₹24.96 Cr	1.03%
NTPC Ltd.	Cash - Commercial Paper	₹24.9 Cr	1.02%
Corporate Debt Market Development Fund - Class A2 Units	Mutual Fund - Open End	₹7.91 Cr	0.32%
India (Republic of)	Bond - Short-term Government Bills	₹4.97 Cr	0.20%
91 Days Tbill Red 19-06-2025	Bond - Gov't/Treasury	₹3 Cr	0.12%
India (Republic of)	Bond - Short-term Government Bills	₹2.89 Cr	0.12%
182 DTB 10072025	Bond - Gov't/Treasury	₹1.99 Cr	0.08%
Net Receivable/Payable	Cash	₹1.59 Cr	0.07%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Instruments	Amount	Holdings
Cash - Commercial Paper	₹1,108.72 Cr	45.55%
Cash - CD/Time Deposit	₹397.3 Cr	16.32%
Cash - Repurchase Agreement	₹262.86 Cr	10.80%
Bond - Gov't/Treasury	₹202.87 Cr	8.33%
Bond - Gov't Agency Debt	₹197.47 Cr	8.11%
Bond - Corporate Bond	₹148.69 Cr	6.11%
Bond - Short-term Government Bills	₹106.75 Cr	4.39%
Mutual Fund - Open End	₹7.91 Cr	0.33%
Cash	₹1.59 Cr	0.07%

Risk & Performance Ratios

Fund Managers

Killol Pandya

Since November 2024

Naghma Khoja

Since October 2021

Ruchi Fozdar

Since April 2024

Additional Scheme Detailsas of 15th June 2025

ISIN

INF192K01882

Expense Ratio

0.26%

Exit Load

No Charges

Fund Size

₹2,434 Cr

Age

27 years 6 months

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

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Unifi Liquid Fund Regular Growth Low to Moderate Risk	-	0.0%	-	-
Unifi Liquid Fund Direct Growth Low to Moderate Risk	-	0.0%	-	-
Angel One Nifty 1D Rate Liquid ETF - Growth Low Risk	0.3%	-	₹120.12 Cr	-
ICICI Prudential BSE Liquid Rate ETF - Growth Low Risk	0.3%	-	₹298.89 Cr	-
HDFC Nifty 1D Rate Liquid ETF - Growth Low Risk	0.5%	-	₹27.99 Cr	5.3%
Mirae Asset Nifty 1D Rate Liquid ETF Low Risk	0.2%	-	₹277.02 Cr	-
Shriram Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹177.17 Cr	-
Shriram Liquid Fund Regular Growth Low to Moderate Risk	0.3%	0.0%	₹177.17 Cr	-
Groww Nifty 1D Rate Liquid ETF Low Risk	0.3%	-	₹80.00 Cr	-
Bajaj Finserv Nifty 1D Rate Liquid ETF Low Risk	0.2%	-	₹846.26 Cr	3.7%
DSP S&P BSE Liquid Rate ETF Low Risk	0.3%	-	₹2354.01 Cr	6.1%
HDFC Nifty 1D Rate Liquid ETF Low Risk	0.5%	-	₹29.44 Cr	5.3%
Kotak Quarterly Interval Series 12 Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak Quarterly Interval Series 12 Regular Growth Low to Moderate Risk	-	0.0%	-	-
Kotak Quarterly Interval Series 13 Regular Growth Low to Moderate Risk	-	0.0%	-	-
Kotak Quarterly Interval Series 13 Direct Growth Low to Moderate Risk	-	0.0%	-	-
Mirae Asset Cash Management Direct Growth Low to Moderate Risk	0.1%	0.0%	₹14285.45 Cr	7.3%
LIC MF Liquid Plan Direct Growth Low to Moderate Risk	0.2%	0.0%	₹11164.78 Cr	7.2%
ICICI Prudential Liquid Fund Direct Growth Moderate Risk	0.2%	0.0%	₹55812.20 Cr	7.2%
ITI Liquid Fund Regular Growth Low to Moderate Risk	0.3%	0.0%	₹67.43 Cr	6.9%
ITI Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹67.43 Cr	7.1%
Navi Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹103.56 Cr	6.8%
Sundaram Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹6288.20 Cr	7.3%
Bandhan Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹13625.91 Cr	7.2%
Groww Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹212.10 Cr	7.3%
Nippon India Liquid Fund Direct Growth Moderate Risk	0.2%	0.0%	₹43056.96 Cr	7.3%
Union Liquid Regular Growth Low to Moderate Risk	0.2%	0.0%	₹3992.68 Cr	7.2%
JM Liquid Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹2434.16 Cr	7.2%
Edelweiss Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹7715.73 Cr	7.3%
Invesco India Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹15848.06 Cr	7.3%
Kotak Liquid Fund Direct Growth Moderate Risk	0.2%	0.0%	₹41223.97 Cr	7.2%
WhiteOak Capital Liquid Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹456.12 Cr	7.2%
WhiteOak Capital Liquid Fund Regular Growth Low to Moderate Risk	0.3%	0.0%	₹456.12 Cr	7.1%
Mahindra Manulife Liquid Fund Regular Growth Moderate Risk	0.3%	0.0%	₹1284.63 Cr	7.2%
Mahindra Manulife Liquid Fund Direct Growth Moderate Risk	0.1%	0.0%	₹1284.63 Cr	7.3%
Quantum Liquid Fund Regular Growth Low Risk	0.3%	0.0%	₹558.33 Cr	6.7%
Mirae Asset Cash Management Regular Growth Low to Moderate Risk	0.2%	0.0%	₹14285.45 Cr	7.2%
Axis Liquid Fund Regular Growth Low to Moderate Risk	0.2%	0.0%	₹42072.07 Cr	7.2%
Bajaj Finserv Liquid Fund Regular Growth Low to Moderate Risk	0.3%	0.0%	₹4615.21 Cr	7.1%
Bajaj Finserv Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹4615.21 Cr	7.3%
SBI Liquid Fund Regular Growth Low to Moderate Risk	0.3%	0.0%	₹65172.43 Cr	7.1%
UTI Liquid Fund Cash Plan Direct Growth Moderate Risk	0.1%	0.0%	₹23623.19 Cr	7.3%
Axis Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹42072.07 Cr	7.3%
Baroda BNP Paribas Liquid Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹11383.74 Cr	7.2%
Aditya BSL Liquid Fund Direct Growth Moderate Risk	0.2%	0.0%	₹53344.51 Cr	7.3%
HDFC Liquid Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹73208.73 Cr	7.2%
HSBC Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹24999.45 Cr	7.3%
Bank of India Liquid Direct Growth Low to Moderate Risk	0.1%	0.0%	₹2337.27 Cr	7.3%
SBI Liquid Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹65172.43 Cr	7.2%
Tata Liquid Fund Direct Growth Moderate Risk	0.2%	0.0%	₹23617.43 Cr	7.3%

About the AMC

JM Financial Mutual Fund

+91 22 61987777

https://www.jmfinancialmf.com/

Total AUM

₹13,509 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 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%	₹194.57 Cr	7.0%
JM Equity Hybrid Fund Direct Growth Very High Risk	0.6%	1.0%	₹822.48 Cr	0.0%
JM Focused Fund Direct Growth Very High Risk	0.7%	1.0%	₹278.87 Cr	-0.3%
JM Value Fund Direct Growth Very High Risk	0.8%	1.0%	₹1089.00 Cr	-3.7%
JM Low Duration Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹237.99 Cr	8.4%
JM Large Cap Fund Direct Growth Very High Risk	0.8%	1.0%	₹525.71 Cr	-2.8%
JM Liquid Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹2434.16 Cr	7.2%
JM Dynamic Bond Fund Direct Growth Moderate Risk	0.5%	0.0%	₹57.28 Cr	10.3%
JM Medium to Long Duration Fund Direct Growth Moderate Risk	0.6%	0.0%	₹35.34 Cr	10.2%
JM Flexicap Fund Direct Growth Very High Risk	0.5%	1.0%	₹5917.33 Cr	-4.3%
JM Tax Gain Fund Direct Growth Very High Risk	1.1%	0.0%	₹198.58 Cr	0.4%
JM Midcap Fund Direct Growth Very High Risk	0.5%	1.0%	₹1396.31 Cr	0.2%
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%	₹120.83 Cr	9.5%

Risk Level

Your principal amount will be at Low to Moderate Risk

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Still got questions?
We're here to help.

What is the current NAV of JM Liquid Fund Regular Growth?

The NAV of JM Liquid Fund Regular Growth, as of 03-Jul-2025, is ₹71.30.

What are the returns of JM Liquid Fund Regular Growth?

The fund has generated 7.07% over the last 1 year and 6.89% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.

What is the portfolio composition of JM Liquid Fund Regular Growth?

The fund's allocation of assets is distributed as 0.00% in equities, 0.00% in bonds, and 99.68% in cash and cash equivalents.

Who manages the JM Liquid Fund Regular Growth?

The fund managers responsible for JM Liquid Fund Regular Growth are:-

Killol Pandya
Naghma Khoja
Ruchi Fozdar

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

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Fund Overview

Fund Size

₹2,434 Cr

Expense Ratio

0.26%

ISIN

INF192K01882

Minimum SIP

₹100

Exit Load

No Charges

Inception Date

31 Dec 1997

Risk Level

Your principal amount will be at Low to Moderate Risk