Direct Plan · Growth Option · Liquid Funds · Scheme code 120406
NAV₹78.0029as on 27 Oct 2026
Fund houseJM Financial Mutual Fund
CategoryLiquid Funds
Plan & optionDirect · Growth Option
History13.7 years
Returns (%)
1M
3M
6M
1Y
3Y
5Y
7Y
10Y
Launch
This scheme
0.52
1.68
3.32
6.36
6.89
6.27
5.64
6.10
6.84
Liquid Funds category median
—
—
—
6.40
6.89
6.38
—
6.10
—
Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published
NAV history for this scheme.
Risk
Volatility
Sharpe
Sortino
Beta
Alpha
Max fall
R²
This scheme
0.2%
1.95
4.35
—
—
-0.2%
—
Risk-free rate 6.5%. Beta, alpha and R² are regressed on the
— months this scheme and its benchmark share.
Growth of ₹100 since launch
Every one-year period it has lived through
Windows
Worst
Median
Best
Periods that lost money
3,932
3.3%
7.1%
9.9%
0%
Every one-year holding period in this scheme's history, not just the last one — the
spread a real investor would have met depending only on when they started.
JM Liquid Fund
Direct Plan · Growth Option
Allocation
By asset
Debt
81.62%
Cash & Equivalents
18.38%
By market cap
Unclassified
82.12%
Concentration
Number of stocks
28
Top 5 stocks
26.18%
Top 10 stocks
40.79%
Top 20 stocks
69.87%
Lines in the filing
30
Largest holding
5.84%
Largest sector
CRISIL A1+ 46.54%
Effective stocks
34.2
Sectors held
6
Cash
17.88%
Effective stocks is what the concentration works out to: a fund holding
28 names but most of its money in a few
behaves like a fund of 34. Cash includes repo and TREPS, which
every fund parks money in overnight.
Sector split
CRISIL A1+
46.54%
CARE A1+
20.39%
Cash & Equivalents
17.88%
ICRA A1+
8.74%
SOVEREIGN
4.48%
CRISIL AA
1.47%
Unclassified
0.50%
JM Liquid Fund
Direct Plan · Growth Option · holdings
Top 30 holdings
#
Company
Sector
Shares held
Value ₹ cr
% of fund
1
The Clearing Corporation of India Ltd. 01-OCT-2026
Unclassified
349,514
350
20.54%
2
L&T Finance Limited 05-NOV-2026
CRISIL A1+
10,000,000
99
5.84%
3
Canara Bank 04-DEC-2026
CRISIL A1+
10,000,000
99
5.81%
4
Indian Bank 15-DEC-2026
CRISIL A1+
10,000,000
99
5.80%
5
SIDBI 06-NOV-2026
CARE A1+
7,500,000
75
4.38%
6
Tata Capital Ltd 15-DEC-2026
CRISIL A1+
7,500,000
74
4.35%
7
REC Limited 22-OCT-2026
CARE A1+
5,000,000
50
2.93%
8
HDFC Bank Limited 02-NOV-2026
CARE A1+
5,000,000
50
2.92%
9
Punjab & Sind Bank 06-NOV-2026
ICRA A1+
5,000,000
50
2.92%
10
EXIM Bank 11-NOV-2026
CRISIL A1+
5,000,000
50
2.92%
11
Canara Bank 17-NOV-2026
ICRA A1+
5,000,000
50
2.92%
12
Redington Limited 13-NOV-2026
CRISIL A1+
5,000,000
50
2.92%
13
Power Finance Corporation Limited 18-NOV-2026
CRISIL A1+
5,000,000
50
2.91%
14
BAJAJ FINANCIAL SECURITIES LIMITED 13-NOV-2026
CRISIL A1+
5,000,000
50
2.91%
15
Axis Bank Limited 26-NOV-2026
CRISIL A1+
5,000,000
50
2.91%
16
Kotak Mahindra Bank Limited 27-NOV-2026
CRISIL A1+
5,000,000
50
2.91%
17
Bank of India 03-DEC-2026
CARE A1+
5,000,000
49
2.91%
18
ICICI Securities Limited 04-DEC-2026
CRISIL A1+
5,000,000
49
2.90%
19
Punjab & Sind Bank 10-DEC-2026
ICRA A1+
5,000,000
49
2.90%
20
91 Days Treasury Bill 24-Dec-2026
SOVEREIGN
5,000,000
49
2.90%
21
Tata Housing Development Company Ltd. 11-DEC-2026
CARE A1+
5,000,000
49
2.90%
22
Kotak Securities Ltd. 08-DEC-2026
CRISIL A1+
5,000,000
49
2.90%
23
Manappuram Finance Limited 15-DEC-2026
CARE A1+
5,000,000
49
2.89%
24
8.5% Tata Projects Ltd. 18-DEC-2026
CRISIL AA
2,500,000
25
1.47%
25
91 Days Treasury Bill 19-Nov-2026
SOVEREIGN
2,500,000
25
1.46%
26
Kotak Mahindra Prime Limited 24-NOV-2026
CRISIL A1+
2,500,000
25
1.45%
27
Bank of Baroda 15-DEC-2026
CARE A1+
2,500,000
25
1.45%
28
Corporate Debt Market Development Fund - Class A2 Units
Unclassified
7,050
8
0.50%
29
182 Days Treasury Bill 05-Nov-2026
SOVEREIGN
200,000
2
0.12%
JM Liquid Fund
Direct Plan · Growth Option · where the money sits
A ₹10,000 monthly SIP over five years
Invested
Value
Gain
XIRR
₹600,000
₹710,299
₹110,299
6.69%
XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has
been invested for a different length of time.
Not investment advice. InvestVerdict is not a SEBI-registered Investment
Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the
portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past
returns do not predict future ones. Generated 28 Oct 2026.
