The Wealth Company Liquid Fund Direct Growth Review 2026: NAV, Returns, Portfolio & Should You Invest?

The Wealth Company Liquid Fund Direct Growth Plan currently has an NAV of ₹1,061.6247 as of 16 Sep 2026 and an AUM of ₹817 Cr. Its 1-year, 3-year and 5-year returns are 0%, 0% and 0%, and the scheme sits in the Balanced Risk category.

Our view is that this is a short-horizon liquid fund where the key appeal is capital preservation discipline rather than return visibility so far. The portfolio is built around short-dated credit and money-market instruments, which fits a cash-management role, but the return record is still very short because the scheme launched on 14 Oct 2025.

Quick facts

Particular	Details
NAV	₹1,061.6247 as of 16 Sep 2026
AUM	₹817 Cr
Expense Ratio	0.08%
Launch Date	14 Oct 2025
Min SIP	₹250
Risk Category	Balanced Risk
Benchmark	Nifty 50
Fund Category	Liquid
Exit Load	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
Fund Managers	Umesh Sharma, Neeraj Jain, Varun Nanavati

The fund is managed by Umesh Sharma, Neeraj Jain and Varun Nanavati.

Source data date: as of 16 Sep 2026

Performance

Period	Fund return	Benchmark return
1M	0.52%	-4.41%
3M	1.61%	-3.6%
1Y	Data not available	Data not available
3Y	Data not available	Data not available
5Y	Data not available	Data not available

The short-term pattern is steady rather than dramatic. Over 1M and 3M, the fund stayed positive while the benchmark stayed negative, which tells us the scheme held its ground in a softer market backdrop. That is useful for a liquid fund, because the job here is usually to reduce drawdowns and keep returns stable, not to chase equity-like upside.

The time pattern also looks controlled. The fund series shows only small day-to-day movement, while the benchmark series is more uneven and finishes lower over the same windows. For investors, that usually points to a tighter risk profile and a return path that is more suitable for parking near-term cash than for trying to build long-term growth.

Because the scheme launched on 14 Oct 2025, there is not yet a full 1-year, 3-year or 5-year return history to judge. That makes the recent positive short-term behaviour the main evidence we have today. Our view is that the fund has so far behaved like a conservative liquid product, but the available history is still too short to call it established across market cycles.

Source data date: as of 16 Sep 2026

Should you BUY or HOLD The Wealth Company Liquid?

A fund's past returns alone don't tell you whether you should buy it today or continue holding it.

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.

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Peer comparison

Fund	1Y return	3Y return	5Y return
The Wealth Company Liquid Fund Direct Growth Plan	Data not available	Data not available	Data not available
Aditya Birla SL Liquid Fund Direct Growth Plan	6.59%	7.02%	6.41%
Axis Liquid Fund Direct Growth Plan	6.59%	7.01%	6.4%
Sundaram Liquid Fund Direct Growth Plan	6.58%	7%	6.38%
JioBlackRock Liquid Fund Direct Growth Plan	6.57%	Data not available	Data not available
Nippon India Liquid Fund Direct Growth Plan	6.56%	6.99%	6.37%

This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.

The current fund does not yet have a 1-year return record to compare with the more established peer set, while the named peers all show mid-6% one-year returns where data is available. On the longer side, the available peer figures cluster around roughly 7% for 3-year periods and around 6.4% for 5-year periods, which gives a sense of the return profile investors are seeing in this category.

That said, the comparison is not symmetrical because this scheme is still young. The absence of 3-year and 5-year records means we cannot fairly judge its long-run standing beside peers on the same footing. For now, the shorter-term numbers and the fund’s early behaviour are the only practical reference points, and they suggest stability more than standout return history.

Source data date: as of 16 Sep 2026

Portfolio: where your money goes

Holding	Sector	Weight
Punjab National Bank 17-Sep-2026**#	Certificate of Deposit	6.1%
91 Days Treasury Bill 29-Oct-2026	Treasury Bills	6.06%
REC Limited 23-Nov-2026**	Commercial Paper	6.02%
Sidbi 27-Oct-2026**#	Certificate of Deposit	5.93%
Sidbi 03-Sep-2026	Commercial Paper	3.06%
Aditya Birla Housing Finance Limited 11-Sep-2026**	Commercial Paper	3.05%
Bank of India 23-Sep-2026**#	Certificate of Deposit	3.05%
HSBC Invest Direct Financial Services 16-Sep-2026**	Commercial Paper	3.05%
NABARD 10-Sep-2026**	Commercial Paper	3.05%
NABARD 18-Sep-2026**#	Certificate of Deposit	3.05%

The top 10 holdings account for approximately 42.42% of the portfolio.

To see all holdings, visit the The Wealth Company Liquid Fund Direct Growth Plan page

The largest holding is Punjab National Bank 17-Sep-2026**# at 6.1%, which is not unusually dominant for a liquid fund. The tenth holding is still 3.05%, so the drop from first to tenth is fairly modest rather than sharp. That usually points to a portfolio that is spread across multiple short-dated instruments instead of depending heavily on one security.

The displayed holdings also show a mix of certificate of deposit, treasury bill and commercial paper exposures. Combined, the top 10 account for 42.42% of the portfolio, while 34 holdings are disclosed in total, so the remaining weight appears to be distributed across a longer tail. Our view is that this can help limit single-position influence, although the short tenor profile still means overall behaviour will be driven by money-market conditions.

Source data date: as of 16 Sep 2026

Who should invest

This fund suits investors who want a liquid parking option and can accept that the scheme’s track record is still short. The Balanced Risk classification, the small day-to-day movement in recent performance and the short-dated portfolio all point to a conservative role rather than a return-chasing one.

It is more appropriate for a short investment horizon or temporary cash management than for long-term wealth building. The main trade-off is that stability and liquidity come first, so investors should not expect the kind of return history seen in more established peers with longer records.

Tax and exit load

Holding period	Tax rate	Description
Units held less than 1 year	20%	Short-term capital gains tax
Units held more than 1 year	12.5%	Long-term capital gains tax

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.

Source data date: as of 16 Sep 2026

Frequently asked questions

What is the current NAV of The Wealth Company Liquid Fund Direct Growth Plan?
The current NAV is ₹1,061.6247 as of 16 Sep 2026.

What are the fund’s recent returns?
Its 1M return is 0.52% and its 3M return is 1.61%. The scheme does not yet have a full 1Y, 3Y or 5Y return record.

How has it performed versus the benchmark recently?
Over 1M and 3M, the fund stayed positive while the benchmark was negative in both periods. That suggests steadier short-term behaviour than the index.

Which peer funds have available return data?
Aditya Birla SL Liquid Fund Direct Growth Plan, Axis Liquid Fund Direct Growth Plan, Sundaram Liquid Fund Direct Growth Plan and Nippon India Liquid Fund Direct Growth Plan all have available 1Y, 3Y and 5Y figures, while JioBlackRock Liquid Fund Direct Growth Plan has available 1Y data but not the longer periods.

What is the minimum SIP amount?
The minimum SIP amount is ₹250.

What is the fund manager and what does the portfolio look like?
The fund is managed by Umesh Sharma, Neeraj Jain and Varun Nanavati. The portfolio is led by short-dated instruments such as certificate of deposit, treasury bill and commercial paper holdings, and the top 10 holdings account for 42.42% of the portfolio.

Bottom line

This is an early-stage liquid fund whose recent short-term behaviour has been steadier than the benchmark, but whose longer-term return record is still not yet built out. Compared with peers that have fuller histories, the fund currently offers less performance evidence, even though the available short-term numbers are stable. The portfolio is spread across short-dated money-market instruments, with no single holding taking an outsized share. Our view is that it fits investors looking for conservative cash management, not those seeking a long return track record.

Published on 17 September 2026 at 11:50 AM IST

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RIA disclosure

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.