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InvestVerdict

PGIM India Liquid Fund

Direct Plan · Direct Growth · Liquid Funds · Scheme code 138299

NAV₹373.3413as on 28 Oct 2026
Fund housePGIM India Mutual Fund
CategoryLiquid Funds
Plan & optionDirect · Direct Growth
History10.5 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme 0.521.713.42 6.517.006.35 5.756.176.26
Liquid Funds
category median		 ——— 6.406.896.38 —6.10—

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 0.2% 2.39 6.93 — — -0.1% —

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

9312716219620182020202220242026InvestVerdict

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
3,379 3.3% 6.8% 7.7% 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.

InvestVerdict

PGIM India Liquid Fund

Direct Plan · Direct Growth

Allocation

By asset

Debt91.27%
Cash & Equivalents8.56%
Mutual Fund Units0.17%

By market cap

Unclassified93.89%

Concentration

Number of stocks41
Top 5 stocks29.04%
Top 10 stocks46.34%
Top 20 stocks70.76%
Lines in the filing43
Largest holding6.91%
Largest sectorCRISIL A1+ 40.95%
Effective stocks30.1
Sectors held8
Cash8.56%

Effective stocks is what the concentration works out to: a fund holding 41 names but most of its money in a few behaves like a fund of 30. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

CRISIL A1+ — 41.0%ICRA A1+ — 13.4%SOVEREIGN — 13.1%CARE A1+ — 8.6%Cash & Equivalents — 8.6%CRISIL AAA — 5.6%FITCH A1+ — 5.2%CARE AA+ — 4.5%Other — 0.2%CRISIL A1+41.0%ICRA A1+13.4%SOVEREIGN13.1%CARE A1+8.6%Cash & Equivalents8.6%CRISIL AAA5.6%FITCH A1+5.2%CARE AA+4.5%Other0.2%
CRISIL A1+40.95%
ICRA A1+13.35%
SOVEREIGN13.08%
CARE A1+8.63%
Cash & Equivalents8.56%
CRISIL AAA5.57%
FITCH A1+5.17%
CARE AA+4.52%
Unclassified0.17%
InvestVerdict

PGIM India Liquid Fund

Direct Plan · Direct Growth · holdings

Top 30 holdings

#CompanySectorShares held Value
₹ cr		% of fund
1 Union Bank of India ICRA A1+ 10,000,000 99 6.91%
2 HDFC Bank Ltd. CARE A1+ 10,000,000 99 6.90%
3 Grasim Industries Ltd. CRISIL A1+ 10,000,000 99 6.90%
4 Clearing Corporation of India Ltd. Unclassified — 77 5.34%
5 8.15% Tata Steel Ltd. CARE AA+ 6,500,000 65 4.52%
6 91 DAYS TBILL RED 29-10-2026 SOVEREIGN 5,500,000 55 3.81%
7 8.95% Bharti Telecom Ltd. CRISIL AAA 5,000,000 50 3.48%
8 Infina Finance Pvt Ltd. CRISIL A1+ 5,000,000 50 3.47%
9 The Federal Bank Ltd. FITCH A1+ 5,000,000 50 3.45%
10 National Bank for Agriculture & Rural Development CRISIL A1+ 5,000,000 50 3.45%
11 Bajaj Finance Ltd. CRISIL A1+ 5,000,000 50 3.45%
12 Small Industries Development Bank of India CRISIL A1+ 5,000,000 49 3.43%
13 HSBC InvestDirect Financial Ser Ind Ltd. CRISIL A1+ 4,800,000 48 3.31%
14 Net Receivables / (Payables) Unclassified — 46 3.22%
15 JM Financial Services Ltd. CRISIL A1+ 4,500,000 45 3.12%
16 91 DAYS TBILL RED 22-10-2026 SOVEREIGN 4,000,000 40 2.77%
17 364 DAYS TBILL RED 03-12-2026 SOVEREIGN 4,000,000 40 2.76%
18 7.95% Sikka Ports and Terminals Ltd. CRISIL AAA 3,000,000 30 2.09%
19 Small Industries Development Bank of India CRISIL A1+ 2,500,000 25 1.74%
20 Axis Securities Ltd. ICRA A1+ 2,500,000 25 1.74%
21 Reliance Retail Ventures Ltd. CRISIL A1+ 2,500,000 25 1.73%
22 JM Financial Services Ltd. CRISIL A1+ 2,500,000 25 1.73%
23 HDFC Bank Ltd. CARE A1+ 2,500,000 25 1.73%
24 Godrej Industries Ltd. CRISIL A1+ 2,500,000 25 1.73%
25 REC Ltd. CRISIL A1+ 2,500,000 25 1.73%
26 Axis Securities Ltd. ICRA A1+ 2,500,000 25 1.73%
27 Axis Bank Ltd. CRISIL A1+ 2,500,000 25 1.72%
28 Axis Bank Ltd. CRISIL A1+ 2,500,000 25 1.72%
29 ICICI Home Finance Company Ltd. ICRA A1+ 2,500,000 25 1.72%
30 Kotak Securities Ltd. CRISIL A1+ 2,500,000 25 1.72%
InvestVerdict

PGIM India Liquid Fund

Direct Plan · Direct Growth · where the money sits

A ₹10,000 monthly SIP over five years

InvestedValueGainXIRR
₹600,000 ₹712,262 ₹112,262 6.80%

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 30 Oct 2026.