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Union Liquid Fund - Direct Plan - IDCW

NAVs of 8 Nov 2026

Union Mutual Fund · Debt fund · Direct plan · IDCW

LiquidDirect · IDCWRisk: Low to Moderate
NAV · 6 Nov 2026
₹1,002.3845 ▲ 0.02%
Union Mutual Fund
Fund size₹7,522 crJuly - September 2026
1-month range₹1,001.55 – 1,002.80
1 year+0.06%
Expense ratio0.07%direct plan, a year
5 years+0.02%a year

What the fund does

To provide reasonable returns commensurate with lower risk and high level of liquidity through a portfolio of money market and debt securities. However, there can be no assurance that the investment objective of the scheme will be achieved.

BenchmarkCRISIL Liquid Debt A-I Index . CRISIL Benchmark Disclaimer: CRISIL Indices are the sole property of CRISIL Limited (CRISIL). CRISIL Indices shall not be copied, transmitted or distributed in any manner for any commercial use. CRISIL has taken due care and caution in computation of the Indices, based on the data obtained from sources, which it considers reliable. However, CRISIL does not guarantee the accuracy, adequacy or completeness of the Indices and is not responsible for any errors or for the results obtained from the use of the Indices. CRISIL especially states that it has no financial liability whatsoever to the users of CRISIL Indices.
Launched15 Jun 2011
Fund houseUnion Mutual Fund
Fund managersFM 1 - Mr. Devesh ThackerFM 2 - Mr. Parijat Agrawal

NAV history

1,0021,0021,003 2026-08-172026-08-282026-09-102026-09-232026-10-062026-10-192026-10-30

Returns

1 week
+0.02%avg 0.1%
1 month
+0.06%avg 0.4%
3 months
+0.02%avg 1.3%
6 months
+0.03%avg 0.6%
This year
+0.05%avg 2.6%
1 year
+0.06%avg 3.2%
3 years (a year)
+0.03%avg 4.5%
5 years (a year)
+0.02%avg 4.6%
10 years (a year)
+0.01%avg 5.0%

Bars: this plan; the thin mark is the Liquid average (direct plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.

Monthly returns (%)

YearJanFebMarAprMayJunJulAugSepOctNovDec
2024-0.0
2025+0.0-0.0+0.1-0.0+0.0-0.0+0.0+0.0-0.0+0.0+0.0+0.0
2026-0.0+0.0-0.0+0.0+0.0-0.1+0.1+0.0-0.1+0.0+0.0

Each month's change in NAV (the current month to the latest NAV).

What if you had invested?

Worked out from this plan's actual NAVs. SIP: invested on the first NAV of each month. Taxes and exit loads are not included. Past returns do not guarantee future returns. Information only, not investment advice.

Portfolio as on 31 Oct 2026

Holdings8692 lines in all
Top 10 holdings20.5%of the fund
Debt3.0%bonds, government securities
Money market93.7%CDs, CPs, treasury bills

Where the money is

Debt 3.0%Money market 93.7%Cash & others 3.4%

Credit quality (debt and money market)

A1+
83.2%
Sovereign
12.0%
AAA
1.5%

Changes since 30 Sept 2026

Share of fund31 Oct 202630 Sept 2026Change
Short positions0.0%-11.7%+11.72
Debt3.0%5.7%-2.69
Money market93.7%105.7%-12.02
Cash & others3.4%-11.4%+14.71

Change is in percentage points. Bought more and cut back list stocks whose share of the fund moved by at least 0.25 points. A share can also move because the price changed, not only because the fund traded.

Bonds, money market and cash 92

HoldingSector / type% of fund
Bank of Baroda**
INE028A16KW4		IND A1+2.94%
91 Day Treasury Bills
IN002026X214		Sovereign2.81%
5.70% Reverse Repo–2.55%
HDFC Bank Ltd.**
INE040A16HW5		CRISIL A1+2.22%
Alembic Pharmaceuticals Ltd.**
INE901L14CQ3		CRISIL A1+2.20%
91 Day Treasury Bills
IN002026X206		Sovereign1.85%
Kotak Securities Ltd.**
INE028E14XW4		CRISIL A1+1.84%
The Federal Bank Ltd.**
INE171A16NS4		CRISIL A1+1.84%
HDFC Securities Ltd.**
INE700G14WW5		CRISIL A1+1.82%
Motilal Oswal Finvest Ltd.**
INE01WN14CD7		CRISIL A1+1.48%
LIC Housing Finance Ltd.**
INE115A14FZ7		CRISIL A1+1.48%
BOBCARD Ltd.**
INE027214951		CRISIL A1+1.48%
PNB Housing Finance Ltd.**
INE572E14KT4		CRISIL A1+1.48%
SBICAP Securities Ltd.**
INE212K14EQ3		CRISIL A1+1.48%
The Federal Bank Ltd.**
INE171A16OB8		CRISIL A1+1.48%
The Federal Bank Ltd.**
INE171A16OC6		CRISIL A1+1.48%
LIC Housing Finance Ltd.**
INE115A14FY0		CRISIL A1+1.47%
Reliance Retail Ventures Ltd.**
INE929O14FM0		CRISIL A1+1.47%
National Bank for Agriculture and Rural Development
INE261F14QD2		CRISIL A1+1.47%
Small Industries Development Bank of India**
INE556F14MR4		CRISIL A1+1.47%
Redington Ltd.**
INE891D14D19		CRISIL A1+1.47%
Sikka Ports & Terminals Ltd.**
INE941D14782		CRISIL A1+1.47%
Small Industries Development Bank of India**
INE556F14MS2		CRISIL A1+1.47%
Motilal Oswal Finvest Ltd.**
INE01WN14CI6		CRISIL A1+1.47%
Muthoot Fincorp Ltd.**
INE549K14CG3		CRISIL A1+1.47%
Redington Ltd.**
INE891D14D27		CRISIL A1+1.47%
AU Small Finance Bank Ltd.**
INE949L16EB5		CRISIL A1+1.47%
Axis Bank Ltd.**
INE238AD6BO6		CRISIL A1+1.47%
Bank of India**
INE084A16GH6		CRISIL A1+1.47%
Small Industries Development Bank of India**
INE556F16BS0		CRISIL A1+1.47%
Bank of Baroda**
INE028A16MQ2		IND A1+1.47%
Axis Bank Ltd.**
INE238AD6CN6		CRISIL A1+1.47%
Bank of India
INE084A16GL8		CRISIL A1+1.47%
Punjab National Bank**
INE160A16TZ9		CRISIL A1+1.47%
HDFC Bank Ltd.**
INE040A16KE7		[ICRA]A1+1.47%
HDFC Bank Ltd.**
INE040A16KC1		[ICRA]A1+1.47%
182 Day Treasury Bills
IN002026Y113		Sovereign1.47%
National Bank for Agriculture and Rural Development**
INE261F14QK7		CRISIL A1+1.46%
LIC Housing Finance Ltd.
INE115A07PN6		CRISIL AAA1.11%
Godrej Finance Ltd.**
INE02KN14796		CRISIL A1+1.11%
Muthoot Finance Ltd.**
INE414G14VA1		CRISIL A1+1.11%
Export-Import Bank of India**
INE514E16CN1		CRISIL A1+1.11%
Canara Bank**
INE476A16K06		CRISIL A1+1.11%
91 Day Treasury Bills
IN002026X222		Sovereign1.11%
HDFC Securities Ltd.**
INE700G14WA1		CRISIL A1+1.10%
Indian Bank**
INE562A16QO6		CRISIL A1+1.10%
Small Industries Development Bank of India**
INE556F16BT8		CRISIL A1+1.10%
Canara Bank**
INE476A16F78		CRISIL A1+1.10%
Kotak Mahindra Bank Ltd.**
INE237AD6158		CRISIL A1+1.10%
91 Day Treasury Bills
IN002026X305		Sovereign1.10%
DSP Finance Pvt. Ltd**
INE422H14776		CRISIL A1+1.09%
91 Day Treasury Bills
IN002026X198		Sovereign1.04%
State Government of West Bengal 7.10% 2026
IN3420160118		Sovereign0.74%
State Government of Karnataka 7.08% 2026
IN1920160059		Sovereign0.74%
Hindustan Petroleum Corporation Ltd.
INE094A14KS9		CRISIL A1+0.74%
ICICI Securities Ltd.**
INE763G14M77		CRISIL A1+0.74%
PNB Housing Finance Ltd.**
INE572E14KS6		CRISIL A1+0.74%
Infina Finance Pvt. Ltd.**
INE879F14NS6		CRISIL A1+0.74%
Axis Securities Ltd.**
INE110O14JM9		CRISIL A1+0.74%
Cholamandalam Investment & Finance Co. Ltd.**
INE121A14YB7		CRISIL A1+0.74%
National Bank for Agriculture and Rural Development**
INE261F14QF7		CRISIL A1+0.74%
Reliance Retail Ventures Ltd.**
INE929O14FI8		CRISIL A1+0.74%
Export-Import Bank of India**
INE514E14TT7		CRISIL A1+0.74%
ICICI Securities Ltd.**
INE763G14N35		CRISIL A1+0.74%
Reliance Retail Ventures Ltd.**
INE929O14FK4		CRISIL A1+0.74%
Bharat Petroleum Corporation Ltd.**
INE029A14BY2		CRISIL A1+0.74%
Canara Bank**
INE476A16K71		CRISIL A1+0.74%
Canara Bank**
INE476A16L13		CRISIL A1+0.74%
Bank of Baroda**
INE028A16KK9		IND A1+0.74%
Punjab National Bank**
INE160A16VU6		CRISIL A1+0.74%
91 Day Treasury Bills
IN002026X180		Sovereign0.74%
HDFC Bank Ltd.**
INE040A16KD9		[ICRA]A1+0.73%
National Bank for Agriculture and Rural Development**
INE261F16AF6		CRISIL A1+0.73%
Axis Bank Ltd.
INE238AD6CX5		CRISIL A1+0.73%
Bharti Telecom Ltd.**
INE403D08207		CRISIL AAA0.37%
ICICI Home Finance Co. Ltd.**
INE071G14IE8		[ICRA]A1+0.37%
Muthoot Finance Ltd.**
INE414G14VB9		CRISIL A1+0.37%
PNB Housing Finance Ltd.**
INE572E14KW8		CRISIL A1+0.37%
Reliance Industries Ltd.**
INE002A14LT8		CRISIL A1+0.37%
Reliance Industries Ltd.**
INE002A14LU6		CRISIL A1+0.37%
Reliance Retail Ventures Ltd.**
INE929O14FL2		CRISIL A1+0.37%
Can Fin Homes Ltd.**
INE477A14ER1		[ICRA]A1+0.37%
Bank of Baroda
INE028A16KT0		IND A1+0.37%
Axis Bank Ltd.**
INE238AD6CA3		CRISIL A1+0.37%
Axis Bank Ltd.**
INE238AD6CB1		CRISIL A1+0.37%
364 Day Treasury Bills
IN002025Z336		Sovereign0.37%
Small Industries Development Bank of India**
INE556F16BV4		CRISIL A1+0.36%
6.10% Reverse Repo–0.31%
Corporate Debt Mkt Devp. Fund-A2
INF0RQ622028		Alternative Investment Fund0.26%
Net Receivable / Payable–0.13%
6.15% Reverse Repo–0.07%
TREPS–0.03%

From the fund house's monthly portfolio (unionmf.com), as on 31 Oct 2026. Percentages are of the fund's net assets. Published about ten days after each month ends.

Risk

Volatility0.9%yearly, from daily NAVs
Worst fall-3.19%30 Apr 2018 → 28 Sept 2018
RiskometerLow to ModerateLow to Moderate

Volatility: how much the NAV moves, as a yearly figure (higher = bumpier). Worst fall: the biggest drop from a high, in the NAV history we hold (from 31 May 2016).

Where it can invest (limits from the scheme document)

only debt and money market securities with residual maturity up to 91 calendar days
0–100%

The ranges the fund is allowed to hold, not what it holds today.

Fund details

Fund size (average AUM, July - September 2026)₹7,522 cr across all plans · this plan ₹0.07 cr
Fund houseUnion Mutual Fund
CategoryDebt · Liquid
PlanDirect
OptionIDCW
Expense ratio (TER)Direct 0.07% · Regular 0.17% (6 Nov 2026)
Exit loadInvestor Exit upon subscription - Exit load as a % of redemption proceeds Day 1 - 0.0070% Day 2 - 0.0065% Day 3 - 0.0060% Day 4 - 0.0055% Day 5 - 0.0050% Day 6 - 0.0045% Day 7 onwards - 0.0000%
Minimum investment₹5,000 · additional ₹1,000
Scheme code (AMFI)115402
NAV date6 Nov 2026

Scheme details from the fund's scheme summary document filed with AMFI; expense ratios from AMFI's daily filings.

Other plans of this fund

PlanNAV1 year
Direct · Growth₹2,727.6432+6.41%
Direct · Growth₹2,764.6170+6.51%
Direct · IDCW₹1,003.4713+0.09%
Direct · IDCW₹1,002.9530+0.07%
Direct · IDCW₹1,001.4576+0.03%
Direct · IDCW₹1,003.9591+0.28%
Direct · IDCW₹1,003.4047+0.08%
Direct · IDCW₹1,002.1268+0.06%
Direct · IDCW₹1,003.5047+0.10%

Top Liquid funds (direct plans)

Fund1 year3 years (a year)
Aditya Birla Sun Life Liquid Fund+6.56%+6.99%
Edelweiss Liquid Fund+6.54%+6.99%
Franklin India Liquid Fund+6.56%+6.98%
Canara Robeco Liquid Fund+6.50%+6.98%
Nippon India Liquid Fund+6.55%+6.96%
DSP Liquid Fund+6.55%+6.96%
Mahindra Manulife Liquid Fund+6.53%+6.96%
Union Liquid Fund+6.51%+6.95%

All Liquid funds ranked › · Compare with others ›

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Information only, not investment advice.

What is the NAV of Union Liquid Fund - Direct Plan - IDCW today?

₹1,002.3845 as of 6 Nov 2026, from AMFI's official NAV data.

What are the returns of Union Liquid Fund - Direct Plan - IDCW?

1 year: 0.06%, 3 years: 0.03% a year, 5 years: 0.02% a year

What is the difference between direct and regular plans?

Both invest in the same portfolio. Direct plans are bought straight from the fund house and pay no distributor commission, so their expenses are lower and their NAV grows slightly faster.