{"id":247838,"date":"2026-09-16T09:58:54","date_gmt":"2026-09-16T04:28:54","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/woc-liquid-fund-direct-growth-review-2026\/"},"modified":"2026-09-16T09:58:54","modified_gmt":"2026-09-16T04:28:54","slug":"woc-liquid-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/woc-liquid-fund-direct-growth-review-2026\/","title":{"rendered":"WOC Liquid Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/woc-liquid-fund-g-direct-plan\">WOC Liquid Fund Direct Growth Plan<\/a> has a NAV of \u20b91,521.3807 as of 15 September 2026 and an AUM of \u20b9742 Cr. Its 1-year, 3-year and 5-year returns are 6.42%, 6.86% and 6.18% respectively, and it sits in the Balanced Risk category. In our view, that profile suits investors who want liquid-fund exposure with a steadier return pattern rather than sharp swings.<\/p>\n<p>The fund\u2019s return trail is close to its benchmark over longer periods, but it has been more resilient over the recent 1-year, 3-month and 1-month windows. The portfolio is built around short-dated money-market and debt instruments, which supports liquidity and may help keep day-to-day volatility contained.<\/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\/woc-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\/woc-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\/woc-liquid-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_WOC_Liquid\" title=\"Should you BUY or HOLD WOC Liquid?\">Should you BUY or HOLD WOC 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\/woc-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\/woc-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\/woc-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\/woc-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\/woc-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\/woc-liquid-fund-direct-growth-review-2026\/#What_is_the_current_NAV_of_WOC_Liquid_Fund_Direct_Growth_Plan\" title=\"What is the current NAV of WOC Liquid Fund Direct Growth Plan?\">What is the current NAV of WOC 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\/woc-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\/woc-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\/woc-liquid-fund-direct-growth-review-2026\/#How_does_it_compare_with_other_liquid_funds_shown_here\" title=\"How does it compare with other liquid funds shown here?\">How does it compare with other liquid funds shown here?<\/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\/woc-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\/woc-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\/woc-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\/woc-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\/woc-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>\u20b91,521.3807 as of 15 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b9742 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.21%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>16 Jan 2019<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9500<\/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>Piyush Baranwal<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Piyush Baranwal.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 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>0.52%<\/td>\n<td>-4.81%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>1.61%<\/td>\n<td>-3.63%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>6.42%<\/td>\n<td>-8.27%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>6.86%<\/td>\n<td>5.59%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>6.18%<\/td>\n<td>5.58%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Over the short term, the fund has held up better than the benchmark, which has been weak across 1M, 3M and 1Y. That gap tells us the fund has delivered a much smoother return path recently, while the benchmark has stayed under pressure.<\/p>\n<p>The longer view is more balanced. At 3Y and 5Y, the fund is ahead of the benchmark, but the margin is not dramatic. That points to a scheme that has added value steadily rather than through sudden bursts of outperformance.<\/p>\n<p>The monthly and quarterly pattern also suggests limited drawdown-like behaviour for a liquid strategy, with the fund showing small positive movement while the benchmark stayed negative. For investors, that matters more than headline excitement because the role of a liquid fund is to preserve stability and provide ready access to cash-like exposure.<\/p>\n<p>At the same time, the 5Y return is lower than the 3Y return, which tells us the recent period has not accelerated materially beyond the medium-term pace. Our view is that the fund has been consistent, but not a high-growth product, and the benchmark comparison supports that reading.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 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_WOC_Liquid\"><\/span>Should you BUY or HOLD WOC 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 WOC 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\/woc-liquid-fund-g-direct-plan\">WOC Liquid Fund Direct Growth Plan<\/a><\/td>\n<td>6.42%<\/td>\n<td>6.86%<\/td>\n<td>6.18%<\/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>6.6%<\/td>\n<td>7.02%<\/td>\n<td>6.4%<\/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>6.6%<\/td>\n<td>7.01%<\/td>\n<td>6.38%<\/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>6.59%<\/td>\n<td>7.02%<\/td>\n<td>6.41%<\/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>6.58%<\/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>6.57%<\/td>\n<td>7.02%<\/td>\n<td>6.39%<\/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>Against the peer set, the fund\u2019s 1Y return is slightly below the better recent numbers, which cluster around 6.57% to 6.60%. The difference is small, but it shows the scheme has been steady rather than the most aggressive mover in the group.<\/p>\n<p>The 3Y and 5Y figures are also a little softer than the stronger peer readings shown here, where several schemes are near 7% on a 3Y basis and around 6.4% on 5Y. That means the fund\u2019s longer-term delivery is solid, though not quite as high as the stronger figures in this peer set.<\/p>\n<p>Short-term and longer-term comparisons tell a similar story: the fund has been consistent, but the peer table shows a modest gap in favour of some alternatives on both recent and medium-term horizons.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 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>Clearing Corporation of India Ltd<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>8.26%<\/td>\n<\/tr>\n<tr>\n<td>91 Days Tbill (MD 27\/11\/2026)<\/td>\n<td>Treasury Bills<\/td>\n<td>6.34%<\/td>\n<\/tr>\n<tr>\n<td>Canara Bank (05\/10\/2026) ** #<\/td>\n<td>Certificate of Deposit<\/td>\n<td>6.02%<\/td>\n<\/tr>\n<tr>\n<td>Kotak Securities Limited (24\/09\/2026) **<\/td>\n<td>Commercial Paper<\/td>\n<td>5.83%<\/td>\n<\/tr>\n<tr>\n<td>HDFC Bank Limited (21\/09\/2026) ** #<\/td>\n<td>Certificate of Deposit<\/td>\n<td>4.29%<\/td>\n<\/tr>\n<tr>\n<td>7.44% Small Industries Dev Bank of India (04\/09\/2026) **<\/td>\n<td>Corporate Debt<\/td>\n<td>3.37%<\/td>\n<\/tr>\n<tr>\n<td>ICICI Securities Limited (15\/09\/2026) **<\/td>\n<td>Commercial Paper<\/td>\n<td>3.36%<\/td>\n<\/tr>\n<tr>\n<td>National Bank for Agriculture and Rural Development (10\/09\/2026) **<\/td>\n<td>Commercial Paper<\/td>\n<td>3.36%<\/td>\n<\/tr>\n<tr>\n<td>Small Industries Dev Bank of India (28\/09\/2026) **<\/td>\n<td>Commercial Paper<\/td>\n<td>3.35%<\/td>\n<\/tr>\n<tr>\n<td>Union Bank of India (23\/09\/2026) ** #<\/td>\n<td>Certificate of Deposit<\/td>\n<td>3.35%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The top 10 holdings account for approximately 47.53% of the portfolio.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/woc-liquid-fund-g-direct-plan\">WOC Liquid Fund Direct Growth Plan<\/a> page<\/p>\n<p>The largest holding is Clearing Corporation of India Ltd at 8.26%, which is meaningful but not dominant. The next few positions step down gradually into treasury bills, certificates of deposit and commercial paper, so the portfolio does not rely on a single instrument.<\/p>\n<p>The weight gap from the largest holding to the tenth is moderate, not extreme. That pattern suggests the portfolio may spread influence across several short-dated positions rather than concentrating it in one or two large bets.<\/p>\n<p>With 47.53% of the portfolio covered by the top 10 holdings and 28 disclosed holdings in total, the structure appears reasonably diversified for a liquid fund while still keeping a meaningful share in the most liquid instruments. That balance could help the scheme maintain stability and day-to-day liquidity.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 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 may suit investors who want a liquid strategy with a steady return profile and are comfortable with a Balanced Risk label rather than ultra-low variability language. Its 1Y, 3Y and 5Y numbers show consistent compounding, and the recent period has been more resilient than the benchmark, which may appeal to investors seeking a parking place for short- to medium-term cash flows.<\/p>\n<p>The main trade-off is that the fund has not tried to chase high upside. Its portfolio is tilted toward short-dated cash, treasury and debt instruments, so the likely benefit is stability and access, not standout growth. Investors with a short horizon, a need for liquidity, or a preference for measured return consistency may find the profile more relevant than those seeking stronger equity-like gains.<\/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>Exit load applies on a sliding scale: 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, and NIL on or after 7D.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 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_WOC_Liquid_Fund_Direct_Growth_Plan\"><\/span>What is the current NAV of WOC Liquid Fund Direct Growth Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The current NAV is \u20b91,521.3807 as of 15 September 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 fund\u2019s returns are 6.42% for 1 year, 6.86% for 3 years and 6.18% 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 done better than the benchmark over 1M, 3M and 1Y, while also staying ahead over 3Y and 5Y. The gap is especially visible in the recent periods, where the benchmark has been negative.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_it_compare_with_other_liquid_funds_shown_here\"><\/span>How does it compare with other liquid funds shown here?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund is slightly below the stronger recent and medium-term figures in this peer set. Several peers show marginally higher 1Y, 3Y and 5Y returns, although the differences are narrow.<\/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 \u20b9500.<\/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 Piyush Baranwal. Exit load is 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, and NIL on or after 7D.<\/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>WOC Liquid Fund Direct Growth Plan has been steady rather than dramatic. Its recent returns look cleaner than the benchmark, while the 3Y and 5Y figures show a consistent but moderate compounding path. Against the peer set, the fund sits a little below the stronger readings, but not by a wide margin. The portfolio is anchored in short-dated cash, treasury and debt instruments, which supports the fund\u2019s role as a liquidity-focused holding for investors who value stability over higher upside.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 16 September 2026 at 9:56 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\":\"WOC Liquid Fund Direct Growth Plan\",\"identifier\":\"woc-liquid-fund-g-direct-plan\",\"category\":\"Liquid\",\"dateCreated\":\"16 Jan 2019\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":1521.3807,\"valueReference\":\"as of 15 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"742 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.21\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":6.42},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":6.86},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":6.18},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Piyush Baranwal\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of WOC Liquid Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b91,521.3807 as of 15 September 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s returns are 6.42% for 1 year, 6.86% for 3 years and 6.18% for 5 years.\"}},{\"@type\":\"Question\",\"name\":\"How does the fund compare with its benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has done better than the benchmark over 1M, 3M and 1Y, while also staying ahead over 3Y and 5Y. The gap is especially visible in the recent periods, where the benchmark has been negative.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with other liquid funds shown here?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is slightly below the stronger recent and medium-term figures in this peer set. Several peers show marginally higher 1Y, 3Y and 5Y returns, although the differences are narrow.\"}},{\"@type\":\"Question\",\"name\":\"Is there a minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. The minimum SIP amount is \u20b9500.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Piyush Baranwal. Exit load is 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, and NIL on or after 7D.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>WOC Liquid Fund Direct Growth Plan has a NAV of \u20b91,521.3807 as of 15 September 2026, with 1Y, 3Y and 5Y returns of 6.42%, 6.86% and 6.18%.<\/p>\n","protected":false},"author":38,"featured_media":247835,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-247838","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["247835"],"rank_math_title":["WOC Liquid Fund Direct Growth Review 2026"],"rank_math_description":["WOC Liquid Fund Direct Growth Plan review: NAV \u20b91,521.3807, 1Y return 6.42%, 3Y 6.86%, 5Y 6.18% as of 15 Sep 2026."],"rank_math_focus_keyword":["WOC 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\/WOC_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\/247838","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\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=247838"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/247838\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/247835"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=247838"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=247838"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=247838"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}