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SBI Liquid Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)
★★★★★ monitor_heart Health Score: 63/100 · AverageSBI Mutual Fund · Debt · Liquid
₹1,144.05
AUM: ₹71,448 Cr
NAV updated 7 days ago
Plan
Direct
Option
Idcw
Risk
Low
Expense Ratio
0.2%
Exit Load
Exit load of 0.0070% if redeemed within 1 day, 0.0065% if redeemed within 2 days, 0.0060% if redeemed within 3 days, 0.0055% if redeemed within 4 days, 0.0050% if redeemed within 5 days, 0.0045% if redeemed within 6 days.
Fund Manager
R Arun
Inception
Jan 2013
Benchmark
NIFTY Liquid Index A-I
Sharpe Ratio
-59.09
Std Dev (1Y)
0.11%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+0.55%
3m
+1.6%
6m
+3.36%
1y
+6.34%
3y
+6.93%
5y
+6.21%
10y
+6.08%
since inception
+0.97%
rate_review TopFund's Take on SBI Liquid Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)
SBI Liquid Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) sits in the middle of the pack for Liquid funds, currently carrying a 2-star rating. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 63/100.
Cost: At 0.2%, the expense ratio runs 33% above the Liquid category average of 0.15%. That gap is worth weighing against the fund's actual performance versus cheaper peers before committing to a long SIP.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -59.09 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 0.11% is on the lower side, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to conservative investors prioritising capital stability and predictable income over high growth.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
donut_small Sector Allocation
pie_chart Asset Allocation
info Fund Snapshot
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tips_and_updates Tools & Guides for This Fund
Frequently Asked Questions about SBI Liquid Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)
The current NAV (Net Asset Value) of SBI Liquid Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) is ₹1144.05. NAV is updated every business day after market close by AMFI.
1Y: 6.34% · 3Y CAGR: 6.93% · 5Y CAGR: 6.21%
The expense ratio is 0.2% per annum — the annual fee deducted from your investment to cover fund management costs.
SBI Liquid Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) is managed by R Arun at SBI Mutual Fund.
SBI Liquid Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) is a Low risk fund. Suitable for investors with a moderate risk appetite.
SBI Liquid Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) is a Liquid fund. SIP suitability depends on your investment goal and risk profile.
The Assets Under Management (AUM) of SBI Liquid Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) is ₹71,448 crore as of the latest data.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.