{"id":224809,"date":"2026-08-31T17:00:04","date_gmt":"2026-08-31T11:30:04","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/bajaj-finserv-liquid-fund-direct-growth-review-2026\/"},"modified":"2026-08-31T17:00:04","modified_gmt":"2026-08-31T11:30:04","slug":"bajaj-finserv-liquid-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/bajaj-finserv-liquid-fund-direct-growth-review-2026\/","title":{"rendered":"Bajaj Finserv Liquid Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/bajaj-finserv-liquid-fund-g-direct-plan\">Bajaj Finserv Liquid Fund Direct Growth Plan<\/a> has a NAV of \u20b91237.234 as of 30 August 2026 and manages \u20b98,322 Cr. Its 1-year, 3-year and 5-year returns are 6.4738%, 6.9801% and 0%, and the scheme sits in the Balanced Risk category.<\/p>\n<p>Our view is that this is a cash-management style liquid fund with steady medium-term compounding, but the 5-year figure is not available as a meaningful return history because the scheme was launched on 05 July 2023. The portfolio is concentrated in certificates of deposit, commercial paper and treasury bills, so the return profile is likely to remain shaped more by short-duration money-market exposures than by equity-style swings.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-liquid-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-liquid-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-liquid-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Bajaj_Finserv_Liquid\" title=\"Should you BUY or HOLD Bajaj Finserv Liquid?\">Should you BUY or HOLD Bajaj Finserv Liquid?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-liquid-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-liquid-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-liquid-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-liquid-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-liquid-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-liquid-fund-direct-growth-review-2026\/#What_is_the_current_NAV_of_Bajaj_Finserv_Liquid_Fund_Direct_Growth_Plan\" title=\"What is the current NAV of Bajaj Finserv Liquid Fund Direct Growth Plan?\">What is the current NAV of Bajaj Finserv Liquid Fund Direct Growth Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-liquid-fund-direct-growth-review-2026\/#What_are_the_1-year_3-year_and_5-year_returns\" title=\"What are the 1-year, 3-year and 5-year returns?\">What are the 1-year, 3-year and 5-year returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-liquid-fund-direct-growth-review-2026\/#How_has_the_fund_performed_versus_the_benchmark\" title=\"How has the fund performed versus the benchmark?\">How has the fund performed versus the benchmark?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-liquid-fund-direct-growth-review-2026\/#How_does_the_fund_compare_with_peers_on_recent_returns\" title=\"How does the fund compare with peers on recent returns?\">How does the fund compare with peers on recent returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-liquid-fund-direct-growth-review-2026\/#What_is_the_minimum_SIP_amount\" title=\"What is the minimum SIP amount?\">What is the minimum SIP amount?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-liquid-fund-direct-growth-review-2026\/#Who_manages_the_fund_and_what_is_the_exit_load\" title=\"Who manages the fund and what is the exit load?\">Who manages the fund and what is the exit load?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-liquid-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-liquid-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-liquid-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particulars<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b91237.234<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b98,322 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.11%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>05 July 2023<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b90<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Balanced Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Liquid<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>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<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Siddharth Chaudhary, Nimesh Chandan, Chirag Shah<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Siddharth Chaudhary, Nimesh Chandan and Chirag Shah.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 30 Aug 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>0.53%<\/td>\n<td>-0.85%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>1.71%<\/td>\n<td>3.39%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>6.47%<\/td>\n<td>-2.29%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>6.98%<\/td>\n<td>6.4%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund has held up well over the 1-year window, with a positive return while the benchmark return for the same period is negative. That is a useful sign for investors who care about stability across changing short-term market conditions rather than chasing sharp upside.<\/p>\n<p>The 3-year return is also ahead of the benchmark, and the gap is not dramatic, which tells us the scheme has delivered a steady but measured compounding path. The monthly and quarterly figures point to a smoother pattern rather than a high-volatility profile, though the 3-month period trails the benchmark even while the 1-month period recovers better.<\/p>\n<p>Because the scheme launched in July 2023, there is no meaningful 5-year operating history to read through here. In practical terms, the available history suggests a fund that can participate in money-market returns without showing the kind of large swings investors would associate with riskier asset classes. That makes recent behaviour more consistent with a liquidity-oriented fund than with a return-chasing strategy.<\/p>\n<p>Against the benchmark, the fund is ahead over 1 year and 3 years, but the shorter 3-month period is weaker. Our view is that this split is important: it shows the fund has not only benefited from broader rate conditions over time, but also that recent shorter windows can still vary from the longer trend.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 30 Aug 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_Bajaj_Finserv_Liquid\"><\/span>Should you BUY or HOLD Bajaj Finserv Liquid?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding Bajaj Finserv Liquid? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/bajaj-finserv-liquid-fund-g-direct-plan\">Bajaj Finserv Liquid Fund Direct Growth Plan<\/a><\/td>\n<td>6.4738%<\/td>\n<td>6.9801%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/sundaram-liquid-fund-g-direct-plan\">Sundaram Liquid Fund Direct Growth Plan<\/a><\/td>\n<td>6.5473%<\/td>\n<td>7.0126%<\/td>\n<td>6.3508%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/axis-liquid-fund-g-direct-plan\">Axis Liquid Fund Direct Growth Plan<\/a><\/td>\n<td>6.5461%<\/td>\n<td>7.0166%<\/td>\n<td>6.3633%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-liquid-fund-g-direct-plan\">Aditya Birla SL Liquid Fund Direct Growth Plan<\/a><\/td>\n<td>6.546%<\/td>\n<td>7.0207%<\/td>\n<td>6.3778%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/jioblackrock-liquid-fund-g-direct-plan\">JioBlackRock Liquid Fund Direct Growth Plan<\/a><\/td>\n<td>6.5375%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/dsp-liquid-fund-g-direct-plan\">DSP Liquid Fund Direct Growth Plan<\/a><\/td>\n<td>6.5156%<\/td>\n<td>6.9949%<\/td>\n<td>6.3346%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.<\/p>\n<p>In the 1-year window, the fund is close to the better numbers in the set, although a few peers are slightly ahead. That keeps the comparison tight and suggests the scheme is broadly in line with other liquid funds on near-term return delivery.<\/p>\n<p>Over 3 years, the fund remains competitive, but the peers with available 3-year figures are a touch ahead. The 5-year column is not directly comparable for this scheme because it does not have a full 5-year return history, while the peers with available long histories show only a narrow spread among themselves.<\/p>\n<p>So the shorter-term and longer-term comparison tell slightly different stories: the current fund is well placed on recent returns, yet the available longer-term peer data shows a modest edge for some peers. That difference is small, but it matters for investors who want consistency across multiple time frames rather than just one recent window.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 30 Aug 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Market-cap distribution<\/strong><\/p>\n<table>\n<thead>\n<tr>\n<th>Market cap<\/th>\n<th>Allocation<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Large cap<\/td>\n<td>0%<\/td>\n<\/tr>\n<tr>\n<td>Mid cap<\/td>\n<td>0%<\/td>\n<\/tr>\n<tr>\n<td>Small cap<\/td>\n<td>0%<\/td>\n<\/tr>\n<tr>\n<td>Other<\/td>\n<td>100%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<table>\n<thead>\n<tr>\n<th>Sector<\/th>\n<th>Allocation<\/th>\n<th>Top holdings<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>CERTIFICATE OF DEPOSIT<\/td>\n<td>44.11%<\/td>\n<td>INDIAN BANK (12\/06\/2026) ** \u2014 0.87%; AXIS BANK LIMITED (25\/08\/2026) ** \u2014 0.67%<\/td>\n<\/tr>\n<tr>\n<td>COMMERCIAL PAPER<\/td>\n<td>34.35%<\/td>\n<td>ONGC PETRO ADDITIONS LIMITED (13\/05\/2026) ** \u2014 0.71%; SMALL INDUSTRIES DEV BANK OF INDIA (03\/03\/2026) ** \u2014 0.65%<\/td>\n<\/tr>\n<tr>\n<td>TREASURY BILLS<\/td>\n<td>14.16%<\/td>\n<td>91 DAYS TBILL (MD 30\/04\/2026) \u2014 1.24%; 91 DAYS TBILL (MD 28\/05\/2026) \u2014 1.18%<\/td>\n<\/tr>\n<tr>\n<td>CORPORATE DEBT<\/td>\n<td>4.33%<\/td>\n<td>8.04% HDB FINANCIAL SERVICES LIMITED (25\/02\/2026) \u2014 0.55%<\/td>\n<\/tr>\n<tr>\n<td>CASH &amp; CASH EQUIVALENTS AND NET ASSETS<\/td>\n<td>2.3%<\/td>\n<td>CLEARING CORPORATION OF INDIA LTD \u2014 5.87%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The portfolio is entirely in the other-cap bucket, which is consistent with a liquid fund that relies on debt and money-market instruments rather than equity exposure. That structure usually supports lower portfolio volatility than balanced or equity funds, though the day-to-day return can still move with short-term rate conditions.<\/p>\n<p>Among the sectors, certificate of deposit is the largest block at 44.11%, followed by commercial paper at 34.35% and treasury bills at 14.16%. The first sector is materially larger than the next one, so it is likely to have greater influence on the fund\u2019s yield profile than the smaller sleeve allocations.<\/p>\n<p>Our view is that certificate of deposit and commercial paper together set the tone for the portfolio, while treasury bills add an important short-duration government-backed layer. Corporate debt and cash together are much smaller, so they may act more as supporting positions than as the main return drivers.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 30 Aug 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund fits investors who are comfortable with low-duration debt exposure and want a liquid-fund style vehicle rather than an equity or hybrid fund. The Balanced Risk label, along with the 100% other-cap allocation, points to a profile that is more about capital preservation and short-term parking than aggressive growth.<\/p>\n<p>The return pattern suggests a steady but moderate outcome over 1 year and 3 years, with the benchmark comparison showing that the fund can stay competitive across different market phases. The trade-off is that the short-term return profile is designed to be measured, so investors should not expect sharp upside in exchange for a low-risk orientation.<\/p>\n<p>For horizon, this is better suited to short-to-medium holding periods where liquidity matters and return stability is important. Investors who need a place to keep money available while still seeking modest compounding may find the structure relevant, but those looking for long-term growth from market-linked upside will likely need a different category.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Exit load<\/strong><\/p>\n<ul>\n<li>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.<\/li>\n<li>No exit load after holding period.<\/li>\n<\/ul>\n<p class=\"mf-source-date\"><small>Source data date: as of 30 Aug 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_current_NAV_of_Bajaj_Finserv_Liquid_Fund_Direct_Growth_Plan\"><\/span>What is the current NAV of Bajaj Finserv Liquid Fund Direct Growth Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The current NAV is \u20b91237.234 as of 30 August 2026.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_are_the_1-year_3-year_and_5-year_returns\"><\/span>What are the 1-year, 3-year and 5-year returns?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The 1-year return is 6.4738% and the 3-year return is 6.9801%. The 5-year return is not available as a meaningful full-period figure because the scheme launched in July 2023.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_has_the_fund_performed_versus_the_benchmark\"><\/span>How has the fund performed versus the benchmark?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund is ahead of the benchmark over 1 year and 3 years. Over 3 months, the benchmark is ahead, so the relative picture changes across time frames.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_the_fund_compare_with_peers_on_recent_returns\"><\/span>How does the fund compare with peers on recent returns?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Its 1-year return is close to the better peer figures in the set, while its 3-year return is slightly behind some peers with available longer histories. The comparison remains tight across the group.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_minimum_SIP_amount\"><\/span>What is the minimum SIP amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The minimum SIP amount is \u20b90.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_manages_the_fund_and_what_is_the_exit_load\"><\/span>Who manages the fund and what is the exit load?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund is managed by Siddharth Chaudhary, Nimesh Chandan and Chirag Shah. Exit load starts at 0.007% on Day 1 and reduces each day until NIL on or after 7 days.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bajaj Finserv Liquid Fund Direct Growth Plan looks like a measured liquid-fund option with a steady 1-year and 3-year track record, while the very short-term pattern has been more mixed. Against peers, the recent return profile is broadly competitive, though some longer-history peers are a little ahead on 3-year and 5-year figures where those are available. The portfolio is dominated by certificates of deposit and commercial paper, so it remains tightly aligned with short-duration debt exposure and liquidity management.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 31 August 2026 at 4:56 PM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"Bajaj Finserv Liquid Fund Direct Growth Plan\",\"identifier\":\"bajaj-finserv-liquid-fund-g-direct-plan\",\"dateCreated\":\"05 Jul 2023\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":1237.234,\"valueReference\":\"as of 30 Aug 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"8322 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.11\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":6.4738},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":6.9801},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":0},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Siddharth Chaudhary, Nimesh Chandan, Chirag Shah\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Bajaj Finserv Liquid Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b91237.234 as of 30 August 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The 1-year return is 6.4738% and the 3-year return is 6.9801%. 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The comparison remains tight across the group.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b90.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Siddharth Chaudhary, Nimesh Chandan and Chirag Shah. Exit load starts at 0.007% on Day 1 and reduces each day until NIL on or after 7 days.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Person\",\"name\":\"{{ANALYST_NAME}}\",\"affiliation\":{\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\"},\"description\":\"Uniapps Investment Adviser Pvt. Ltd. \u2014 SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bajaj Finserv Liquid Fund Direct Growth Plan had a NAV of \u20b91237.234 as of 30 August 2026, with 1-year and 3-year returns of 6.4738% and 6.9801%.<\/p>\n","protected":false},"author":29,"featured_media":224807,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-224809","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["224807"],"rank_math_title":["Bajaj Finserv Liquid Fund Direct Growth NAV Review"],"rank_math_description":["Bajaj Finserv Liquid Fund Direct Growth Plan NAV \u20b91237.234, 1Y return 6.4738%, and a Balanced Risk liquid-fund profile."],"rank_math_focus_keyword":["Bajaj Finserv Liquid Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/08\/Bajaj_Finserv_Liquid_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/224809","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=224809"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/224809\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/224807"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=224809"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=224809"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=224809"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}