Union Liquid Fund Overview
Category Liquid Fund
BMSMONEY Rank 5
Rating
Growth Option 23-06-2025
NAV ₹2509.73(R) +0.05% ₹2540.52(D) +0.05%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 7.18% 6.96% 5.51% 5.24% 5.81%
Direct 7.28% 7.07% 5.62% 5.35% 5.92%
Benchmark
SIP (XIRR) Regular 7.18% 7.18% 6.43% 5.95% 5.73%
Direct 7.27% 7.29% 6.53% 6.06% 5.83%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
4.67 3.85 0.69 5.94% 0.15
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
0.23% 0.0% 0.0% 0.07 0.19%
Fund AUM As on: 31/03/2025 4760 Cr
Top Liquid Fund
Fund Name Rank Rating
Bank of India Liquid Fund 1
Axis Liquid Fund 2
Canara Robeco Liquid Fund 3
Aditya Birla Sun Life Liquid Fund 4
Union Liquid Fund 5
Invesco India Liquid Fund 6
Dsp Liquidity Fund 7

NAV Date: 23-06-2025

Scheme Name NAV Rupee Change Percent Change
Union Liquid Fund - Daily IDCW Option 1001.2
0.0000
0.0000%
Union Liquid Fund - Direct Plan - Daily IDCW Option 1001.2
0.0000
0.0000%
Union Liquid Fund - Direct Plan - Weekly IDCW Option 1002.18
0.4900
0.0500%
Union Liquid Fund - Weekly IDCW Option 1002.4
0.4800
0.0500%
Union Liquid Fund - Fortnightly IDCW Option 1002.89
0.4800
0.0500%
Union Liquid Fund - Direct Plan - Fortnightly IDCW Option 1002.92
0.4900
0.0500%
Union Liquid Fund - Monthly IDCW Option 1005.41
0.4800
0.0500%
Union Liquid Fund - Direct Plan - Monthly IDCW Option 1005.87
0.4900
0.0500%
Union Liquid Fund - Growth Option 2509.73
1.2000
0.0500%
Union Liquid Fund - Direct Plan - Growth Option 2540.52
1.2400
0.0500%

Review Date: 23-06-2025

Beginning of Analysis

In the Liquid Fund category, Union Liquid Fund is the 5th ranked fund. The category has total 33 funds. The Union Liquid Fund has shown an excellent past performence in Liquid Fund. The fund has a Jensen Alpha of 5.94% which is higher than the category average of 5.84%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 4.67 which is higher than the category average of 4.16.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Liquid Mutual Funds are a category of debt mutual funds that invest in short-term money market instruments with a maturity of up to 91 days. These funds are designed to provide high liquidity and stability, making them ideal for parking surplus funds for a very short duration. Liquid Funds typically invest in instruments such as Treasury Bills (T-Bills), Commercial Papers (CPs), Certificates of Deposit (CDs), and short-term government securities.. Liquid Mutual Funds are ideal for investors seeking a safe, liquid, and low-risk investment option for short-term cash management. These funds invest in high-quality, short-term money market instruments with a maturity of up to 91 days, offering quick redemption (within 1 business day) and stable returns. While they provide better returns than savings accounts, they may underperform compared to other debt funds with longer maturities. Investors should consider their liquidity needs, risk tolerance, and investment horizon before investing in Liquid Funds. Additionally, the absence of a lock-in period makes them a flexible choice for managing short-term financial goals.

Union Liquid Fund Return Analysis

  • The fund has given a return of 0.54%, 1.78 and 3.6 in last one, three and six months respectively. In the same period the category average return was 0.54%, 1.77% and 3.57% respectively.
  • Union Liquid Fund has given a return of 7.28% in last one year. In the same period the Liquid Fund category average return was 7.21%.
  • The fund has given a return of 7.07% in last three years and ranked 6.0th out of 34 funds in the category. In the same period the Liquid Fund category average return was 4.51%.
  • The fund has given a return of 5.62% in last five years and ranked 8th out of 33 funds in the category. In the same period the Liquid Fund category average return was 3.62%.
  • The fund has given a return of 5.92% in last ten years and ranked 23rd out of 26 funds in the category. In the same period the category average return was 7.16%.
  • The fund has given a SIP return of 7.27% in last one year whereas category average SIP return is 7.2%. The fund one year return rank in the category is 14th in 35 funds
  • The fund has SIP return of 7.29% in last three years and ranks 6th in 34 funds. Aditya Birla Sun Life Liquid Fund has given the highest SIP return (7.32%) in the category in last three years.
  • The fund has SIP return of 6.53% in last five years whereas category average SIP return is 6.46%.

Union Liquid Fund Risk Analysis

  • The fund has a standard deviation of 0.23 and semi deviation of 0.19. The category average standard deviation is 0.23 and semi deviation is 0.19.
  • The fund has a beta of 0.07 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Liquid Fund Category
  • Good Performance in Liquid Fund Category
  • Poor Performance in Liquid Fund Category
  • Very Poor Performance in Liquid Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.53
    0.53
    		0.48 | 0.54 18 | 35 Good
    3M Return % 1.76
    1.73
    		1.55 | 1.79 17 | 35 Good
    6M Return % 3.55
    3.50
    		3.25 | 3.59 16 | 35 Good
    1Y Return % 7.18
    7.07
    		6.54 | 7.24 9 | 35 Very Good
    3Y Return % 6.96
    4.38
    		-77.03 | 7.01 4 | 34 Very Good
    5Y Return % 5.51
    3.49
    		-58.05 | 5.63 6 | 33 Very Good
    7Y Return % 5.24
    3.99
    		-45.31 | 5.96 28 | 30 Poor
    10Y Return % 5.81
    7.08
    		-33.04 | 68.27 23 | 25 Poor
    1Y SIP Return % 7.18
    7.07
    		6.55 | 7.24 14 | 35 Good
    3Y SIP Return % 7.18
    6.69
    		-6.02 | 7.24 5 | 34 Very Good
    5Y SIP Return % 6.43
    6.32
    		5.74 | 6.48 5 | 32 Very Good
    7Y SIP Return % 5.95
    5.91
    		5.33 | 6.03 16 | 29 Good
    10Y SIP Return % 5.73
    7.07
    		5.36 | 33.12 22 | 24 Poor
    Standard Deviation 0.23
    0.23
    		0.21 | 0.25 16 | 33 Good
    Semi Deviation 0.19
    0.19
    		0.17 | 0.20 21 | 33 Average
    Sharpe Ratio 4.67
    4.16
    		1.78 | 4.88 5 | 33 Very Good
    Sterling Ratio 0.69
    0.68
    		0.62 | 0.70 5 | 33 Very Good
    Sortino Ratio 3.85
    3.33
    		0.86 | 4.44 10 | 33 Good
    Jensen Alpha % 5.94
    5.84
    		5.27 | 6.02 6 | 33 Very Good
    Treynor Ratio 0.15
    0.14
    		0.06 | 0.16 12 | 33 Good
    Modigliani Square Measure % 20.42
    20.04
    		18.34 | 21.71 10 | 33 Good
    Alpha % -0.59
    -0.70
    		-1.29 | -0.54 7 | 33 Very Good
    Return data last Updated On : June 23, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : May 30, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.54 0.54 0.50 | 0.55 24 | 35
    3M Return % 1.78 1.77 1.56 | 1.82 18 | 35
    6M Return % 3.60 3.57 3.27 | 3.65 16 | 35
    1Y Return % 7.28 7.21 6.79 | 7.32 12 | 35
    3Y Return % 7.07 4.51 -77.02 | 7.10 6 | 34
    5Y Return % 5.62 3.62 -58.03 | 5.92 8 | 33
    7Y Return % 5.35 4.12 -45.28 | 6.26 29 | 30
    10Y Return % 5.92 7.16 -32.99 | 68.43 23 | 26
    1Y SIP Return % 7.27 7.20 6.69 | 7.35 15 | 35
    3Y SIP Return % 7.29 6.83 -5.98 | 7.32 6 | 34
    5Y SIP Return % 6.53 6.46 6.11 | 6.56 7 | 32
    7Y SIP Return % 6.06 6.04 5.70 | 6.28 18 | 29
    10Y SIP Return % 5.83 7.14 5.69 | 33.27 23 | 25
    Standard Deviation 0.23 0.23 0.21 | 0.25 16 | 33
    Semi Deviation 0.19 0.19 0.17 | 0.20 21 | 33
    Sharpe Ratio 4.67 4.16 1.78 | 4.88 5 | 33
    Sterling Ratio 0.69 0.68 0.62 | 0.70 5 | 33
    Sortino Ratio 3.85 3.33 0.86 | 4.44 10 | 33
    Jensen Alpha % 5.94 5.84 5.27 | 6.02 6 | 33
    Treynor Ratio 0.15 0.14 0.06 | 0.16 12 | 33
    Modigliani Square Measure % 20.42 20.04 18.34 | 21.71 10 | 33
    Alpha % -0.59 -0.70 -1.29 | -0.54 7 | 33
    Return data last Updated On : June 23, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : May 30, 2025
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Union Liquid Fund NAV Regular Growth Union Liquid Fund NAV Direct Growth
    23-06-2025 2509.7309 2540.5151
    20-06-2025 2508.5298 2539.2801
    19-06-2025 2508.1383 2538.8775
    18-06-2025 2507.7045 2538.432
    17-06-2025 2507.3229 2538.0394
    16-06-2025 2506.9304 2537.6356
    13-06-2025 2505.8296 2536.502
    12-06-2025 2505.4856 2536.1473
    11-06-2025 2505.203 2535.8547
    10-06-2025 2504.8911 2535.5325
    09-06-2025 2504.4969 2535.1269
    06-06-2025 2503.2943 2533.8901
    05-06-2025 2502.1502 2532.7256
    04-06-2025 2501.696 2532.2594
    03-06-2025 2501.3061 2531.8584
    02-06-2025 2500.7966 2531.3363
    30-05-2025 2499.4945 2529.9992
    29-05-2025 2499.0379 2529.5306
    28-05-2025 2498.6186 2529.0997
    27-05-2025 2498.1618 2528.6309
    26-05-2025 2497.7625 2528.2202
    23-05-2025 2496.4312 2526.8533

    Fund Launch Date: 14/Jun/2011
    Fund Category: Liquid Fund
    Investment Objective: To p r o v i d e r e a s o n a b l e r e t u r n s 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.
    Fund Description: An Open-Ended Liquid Scheme
    Fund Benchmark: CRISIL Liquid Fund Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.