{"id":230550,"date":"2026-09-04T09:57:33","date_gmt":"2026-09-04T04:27:33","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/nippon-india-liquid-fund-direct-growth-review-2026\/"},"modified":"2026-09-04T09:57:33","modified_gmt":"2026-09-04T04:27:33","slug":"nippon-india-liquid-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/nippon-india-liquid-fund-direct-growth-review-2026\/","title":{"rendered":"Nippon India Liquid Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/nippon-india-liquid-fund-g-direct-plan\">Nippon India Liquid Fund Direct Growth Plan<\/a> sits in the liquid category with a current NAV of \u20b96948.5189 as of 03 Sep 2026 and a scheme AUM of \u20b941,345 Cr. Its 1-year, 3-year and 5-year returns are 6.57%, 7.01% and 6.36%, and the fund is tagged as Medium Risk. Our view is that this is a steady cash-management style option rather than a return-chasing one, with performance that has stayed close to the benchmark over longer horizons and a portfolio built around short-duration, high-quality money-market instruments.<\/p>\n<p>For investors who want liquidity, relatively controlled swings and a short parking horizon, the fund\u2019s profile is more relevant than a search for outsized gains. The portfolio is led by treasury bills, commercial paper, certificate of deposit exposure and reverse repo, which supports a conservative liquidity-oriented setup.<\/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\/nippon-india-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\/nippon-india-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\/nippon-india-liquid-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Nippon_India_Liquid\" title=\"Should you BUY or HOLD Nippon India Liquid?\">Should you BUY or HOLD Nippon India 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\/nippon-india-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\/nippon-india-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\/nippon-india-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\/nippon-india-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\/nippon-india-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\/nippon-india-liquid-fund-direct-growth-review-2026\/#What_is_the_current_NAV_of_Nippon_India_Liquid_Fund_Direct_Growth_Plan\" title=\"What is the current NAV of Nippon India Liquid Fund Direct Growth Plan?\">What is the current NAV of Nippon India 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\/nippon-india-liquid-fund-direct-growth-review-2026\/#What_are_the_funds_1-year_3-year_and_5-year_returns\" title=\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\">What are the fund\u2019s 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\/nippon-india-liquid-fund-direct-growth-review-2026\/#How_does_the_fund_compare_with_its_benchmark\" title=\"How does the fund compare with its benchmark?\">How does the fund compare with its 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\/nippon-india-liquid-fund-direct-growth-review-2026\/#How_does_it_compare_with_peer_liquid_funds_on_return_data\" title=\"How does it compare with peer liquid funds on return data?\">How does it compare with peer liquid funds on return data?<\/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\/nippon-india-liquid-fund-direct-growth-review-2026\/#Is_there_a_minimum_SIP_amount\" title=\"Is there a minimum SIP amount?\">Is there a 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\/nippon-india-liquid-fund-direct-growth-review-2026\/#What_risk_profile_and_portfolio_style_does_this_fund_have\" title=\"What risk profile and portfolio style does this fund have?\">What risk profile and portfolio style does this fund have?<\/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\/nippon-india-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\/nippon-india-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\/nippon-india-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>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b96,948.5189 as of 03 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b941,345 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.2%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>01 Jan 2013<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9100<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Medium 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>Vikash Agarwal<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Vikash Agarwal.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 03 Sep 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>0.57%<\/td>\n<td>-3.01%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>1.76%<\/td>\n<td>1.95%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>6.57%<\/td>\n<td>-4.4%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>7.01%<\/td>\n<td>5.74%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>6.36%<\/td>\n<td>6.27%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The recent picture is mixed but still constructive. Over 1 month and 1 year, the fund stayed positive while the benchmark was negative, which points to more stable short-term behaviour than the comparison index. Over 3 months, both were positive and close together, so the gap was small rather than decisive.<\/p>\n<p>The longer horizon matters more for a liquid fund, and here the pattern is steady. The 3-year return of 7.01% is ahead of the benchmark\u2019s 5.74%, while the 5-year return of 6.36% is slightly above the benchmark\u2019s 6.27%. That tells us the fund has broadly kept pace with or modestly ahead of the reference index over time, rather than relying on a single strong year.<\/p>\n<p>What stands out is the smoother path. The time pattern shows recovery after weaker stretches and then a gradual climb rather than sharp jumps. That kind of shape fits a liquid fund, where consistency and capital preservation matter more than aggressive upside. In that context, the fund\u2019s return record looks disciplined and aligned with its category.<\/p>\n<p>Because the benchmark turns negative over the 1-year period while the fund remains positive, the recent comparison is favourable. At the same time, the 5-year edge is small, so our view is that the fund\u2019s longer-run case rests on stability and reliability rather than a large performance gap.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 03 Sep 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_Nippon_India_Liquid\"><\/span>Should you BUY or HOLD Nippon India 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 Nippon India 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\/nippon-india-liquid-fund-g-direct-plan\">Nippon India Liquid Fund Direct Growth Plan<\/a><\/td>\n<td>6.57%<\/td>\n<td>7.01%<\/td>\n<td>6.36%<\/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>6.61%<\/td>\n<td>7.03%<\/td>\n<td>6.38%<\/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>6.61%<\/td>\n<td>7.03%<\/td>\n<td>6.37%<\/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>6.6%<\/td>\n<td>7.03%<\/td>\n<td>6.39%<\/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>6.6%<\/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\/edelweiss-liquid-fund-g-direct-plan\">Edelweiss Liquid Fund Direct Growth Plan<\/a><\/td>\n<td>6.58%<\/td>\n<td>7.03%<\/td>\n<td>6.37%<\/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>The fund\u2019s 1-year return is close to the better peer readings, but it does not separate itself meaningfully from the group. The 3-year and 5-year returns are also tightly clustered with the better available peer numbers, which suggests the fund has been broadly competitive without a wide gap in either direction.<\/p>\n<p>Short-term and long-term comparisons tell slightly different stories. In the near term, the fund is comfortably positive, but a few peers show a marginally higher 1-year figure. Over 3 years and 5 years, the fund remains close to the strongest available figures, so the longer picture is one of consistency rather than standout outperformance.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 03 Sep 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<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>91 Days Tbill<\/td>\n<td>Treasury Bills<\/td>\n<td>12.34%<\/td>\n<\/tr>\n<tr>\n<td>Small Industries Dev Bank of India**<\/td>\n<td>Commercial Paper<\/td>\n<td>6.48%<\/td>\n<\/tr>\n<tr>\n<td>National Bank for Agriculture and Rural Development**<\/td>\n<td>Commercial Paper<\/td>\n<td>5.64%<\/td>\n<\/tr>\n<tr>\n<td>HDFC Bank Limited**<\/td>\n<td>Certificate of Deposit<\/td>\n<td>3.71%<\/td>\n<\/tr>\n<tr>\n<td>Union Bank of India**<\/td>\n<td>Certificate of Deposit<\/td>\n<td>3.22%<\/td>\n<\/tr>\n<tr>\n<td>Reliance Retail Ventures Limited**<\/td>\n<td>Commercial Paper<\/td>\n<td>3%<\/td>\n<\/tr>\n<tr>\n<td>Reverse Repo<\/td>\n<td>Cash &#038; Cash Equivalents and Net Assets<\/td>\n<td>2.93%<\/td>\n<\/tr>\n<tr>\n<td>Central Bank of India**<\/td>\n<td>Certificate of Deposit<\/td>\n<td>2.76%<\/td>\n<\/tr>\n<tr>\n<td>Indusind Bank Limited**<\/td>\n<td>Certificate of Deposit<\/td>\n<td>2.53%<\/td>\n<\/tr>\n<tr>\n<td>Bank of Baroda**<\/td>\n<td>Certificate of Deposit<\/td>\n<td>2.41%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest holding, 91 Days Tbill, carries a weight of 12.34%, so no single line dominates the portfolio on its own. The drop from the first holding to the tenth is still noticeable, but the spread is not extreme: the tenth holding stands at 2.41%, which shows that weight is shared across several short-duration instruments rather than concentrated in one position.<\/p>\n<p>The top 10 holdings together account for approximately 45.02% of the portfolio, and the scheme discloses 49 holdings in total. That combination suggests a meaningful core in the biggest positions, but also a long tail of smaller holdings that may help diversify issuer and instrument exposure within a liquid-fund framework.<\/p>\n<p>Because the exposed holdings are mainly treasury bills, commercial paper, certificates of deposit and reverse repo, the portfolio is likely to remain focused on liquidity and short maturity. We would read the weight pattern as a sign of controlled concentration in the core positions rather than a highly skewed structure.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/nippon-india-liquid-fund-g-direct-plan\">Nippon India Liquid Fund Direct Growth Plan<\/a> page<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 03 Sep 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 a medium-risk liquid-fund profile and want short-term parking for money that may be needed relatively soon. The return pattern is steady rather than exciting, and the benchmark comparison shows that the fund has generally protected the downside better than the reference index over shorter stretches.<\/p>\n<p>The main trade-off is straightforward: you gain liquidity and a more restrained return path, but you should not expect equity-like upside. Our view is that a horizon of days to a few months is the natural use case, with a somewhat longer holding period acceptable if you want to smooth out short-term rate movement.<\/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> 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. No exit load after the holding period.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 03 Sep 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_Nippon_India_Liquid_Fund_Direct_Growth_Plan\"><\/span>What is the current NAV of Nippon India Liquid Fund Direct Growth Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The current NAV is \u20b96948.5189 as of 03 Sep 2026.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_are_the_funds_1-year_3-year_and_5-year_returns\"><\/span>What are the fund\u2019s 1-year, 3-year and 5-year returns?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund\u2019s returns are 6.57% for 1 year, 7.01% for 3 years and 6.36% for 5 years.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_the_fund_compare_with_its_benchmark\"><\/span>How does the fund compare with its benchmark?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It has been slightly ahead of the benchmark over 3 years and 5 years, and it has also held up better over 1 year and 1 month. Over 3 months, the gap is small.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_it_compare_with_peer_liquid_funds_on_return_data\"><\/span>How does it compare with peer liquid funds on return data?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Its return profile is close to the better peer figures, with 1-year, 3-year and 5-year numbers that sit near the stronger available readings rather than far away from them.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Is_there_a_minimum_SIP_amount\"><\/span>Is there a minimum SIP amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes. The minimum SIP amount is \u20b9100.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_risk_profile_and_portfolio_style_does_this_fund_have\"><\/span>What risk profile and portfolio style does this fund have?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund is tagged as Medium Risk and its portfolio is built mainly around treasury bills, commercial paper, certificates of deposit and reverse repo. That structure supports a liquid-fund style focused on short-duration exposure.<\/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>Nippon India Liquid Fund Direct Growth Plan shows a steadier longer-term pattern than the benchmark and has also stayed positive in the recent 1-year and 1-month windows. Its peer comparison is close rather than dramatic, which points to dependable liquid-fund behaviour instead of a standout gap. The Medium Risk tag, the short-duration holding mix and the meaningful but not overwhelming core position in treasury bills make it suitable for investors seeking liquidity, stability and a short to medium parking horizon.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 4 September 2026 at 9:57 AM 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\":\"Nippon India Liquid Fund Direct Growth Plan\",\"identifier\":\"nippon-india-liquid-fund-g-direct-plan\",\"category\":\"Liquid\",\"dateCreated\":\"01 Jan 2013\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":6948.5189,\"valueReference\":\"as of 03 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"41345 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.2\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":6.57},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":7.01},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":6.36},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Vikash Agarwal\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Nippon India Liquid Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b96948.5189 as of 03 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s returns are 6.57% for 1 year, 7.01% for 3 years and 6.36% for 5 years.\"}},{\"@type\":\"Question\",\"name\":\"How does the fund compare with its benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has been slightly ahead of the benchmark over 3 years and 5 years, and it has also held up better over 1 year and 1 month. Over 3 months, the gap is small.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with peer liquid funds on return data?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its return profile is close to the better peer figures, with 1-year, 3-year and 5-year numbers that sit near the stronger available readings rather than far away from them.\"}},{\"@type\":\"Question\",\"name\":\"Is there a minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. The minimum SIP amount is \u20b9100.\"}},{\"@type\":\"Question\",\"name\":\"What risk profile and portfolio style does this fund have?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is tagged as Medium Risk and its portfolio is built mainly around treasury bills, commercial paper, certificates of deposit and reverse repo. That structure supports a liquid-fund style focused on short-duration exposure.\"}}]}<\/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>Nippon India Liquid Fund Direct Growth Plan is a medium-risk liquid fund with a \u20b96948.5189 NAV, \u20b941,345 Cr AUM and 1Y\/3Y\/5Y returns of 6.57%\/7.01%\/6.36%.<\/p>\n","protected":false},"author":29,"featured_media":230549,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-230550","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["230549"],"rank_math_title":["Nippon India Liquid Fund Review 2026 | NAV &amp; Returns"],"rank_math_description":["Nippon India Liquid Fund Direct Growth Plan review: NAV \u20b96948.5189, 1Y return 6.57%, 3Y 7.01%, 5Y 6.36%."],"rank_math_focus_keyword":["Nippon India 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\/09\/Nippon_India_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\/230550","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=230550"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/230550\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/230549"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=230550"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=230550"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=230550"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}