JM Liquid Fund - (Direct) - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Liquid Fund

No of Debt Holding 34 (Category Avg - 64.50) | Modified Duration 0.15 Years (Category Avg - 0.15)| Yield to Maturity 5.99% (Category Avg - 5.96%)

Portfolio Summary (as on 30th Sep,2025)

Security Type	% Weight	Category Average
GOI	0.00%	0.67%
CD	42.70%	36.56%
T-Bills	6.21%	18.69%
NCD & Bonds	1.54%	4.83%
CP	44.27%	42.16%

Category - Liquid Fund

Security Type	% Weight	Category Average
Government Backed	6.21%	19.36%
Low Risk	88.51%	83.45%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Liquid Fund

Debt holding in Portfolio (as on 30th Sep,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Bank Of India	CD	Public sector bank	P1+	CRISIL	986.87	6.09%	1.00 Cr
Bond - Godrej Agrovet Ltd.	CP	Animal feed	P1+	CRISIL	743.78	4.59%	75.00 L
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	743.21	4.58%	75.00 L
Bond - T-Bill	T-Bills	Other			593.74	3.66%	60.00 L
Bond - ICICI Home Finance Company Ltd.	CP	Housing finance company	PR1+	CARE	497.09	3.07%	50.00 L
Bond - Aditya Birla Money Ltd.	CP	Stockbroking & allied	P1+	CRISIL	496.06	3.06%	50.00 L
Bond - Kotak Mahindra Bank Ltd.	CD	Private sector bank	P1+	CRISIL	495.61	3.06%	50.00 L
Bond - Federal Bank Ltd.	CD	Private sector bank	P1+	CRISIL	495.45	3.06%	50.00 L
Bond - Birla Group Holdings Private Ltd.	CP	Investment company	P1+	CRISIL	495.27	3.05%	50.00 L
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	495.15	3.05%	50.00 L
Bond - National Thermal Power Corporation Ltd.	CP	Power generation	PR1+	CARE	495.06	3.05%	50.00 L
Bond - Kotak Mahindra Bank Ltd.	CD	Private sector bank	P1+	CRISIL	495.03	3.05%	50.00 L
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	495.00	3.05%	50.00 L
Bond - HDFC Bank Ltd.	CD	Private sector bank	A1+	ICRA	494.98	3.05%	50.00 L
Bond - Bank Of India	CD	Public sector bank	P1+	CRISIL	494.87	3.05%	50.00 L
Bond - Piramal Finance Ltd.	CP	Non banking financial company (nbfc)	PR1+	CARE	494.80	3.05%	50.00 L
Bond - Piramal Finance Ltd.	CP	Non banking financial company (nbfc)	PR1+	CARE	494.80	3.05%	50.00 L
Bond - Aditya Birla Capital Ltd.	CP	Life insurance	A1+	ICRA	494.45	3.05%	50.00 L
Bond - Reliance Retail Ventures Ltd.	CP	Diversified retail	PR1+	CARE	494.38	3.05%	50.00 L
Bond - L&T Finance Ltd.	CP	Non banking financial company (nbfc)	PR1+	CARE	494.38	3.05%	50.00 L
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	494.10	3.05%	50.00 L
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	493.95	3.05%	50.00 L
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	493.74	3.05%	50.00 L
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	493.65	3.04%	50.00 L
Bond - Godrej Properties Ltd.	CP	Residential, commercial projects	P1+	CRISIL	493.21	3.04%	50.00 L
Bond - Kotak Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	492.45	3.04%	50.00 L
Bond - T-Bill	T-Bills	Other			345.65	2.13%	35.00 L
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	CARE AAA	CARE	250.44	1.54%	25.00 L
Bond - Godrej Housing Finance Ltd.	CP	Housing finance company	PR1+	CARE	249.03	1.54%	25.00 L
Bond - Standard Chartered Capital Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	248.66	1.53%	25.00 L
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	246.98	1.52%	25.00 L
Bond - T-Bill	T-Bills	Other			29.81	0.18%	3.00 L
Bond - T-Bill	T-Bills	Other			19.91	0.12%	2.00 L
Bond - T-Bill	T-Bills	Other			19.81	0.12%	2.00 L

Name	Type of Instrument	Weight (%)
TREPS	TREPS	9.75%
Net Receivables	Net Receivables	-1.45%

Forum

NITINPIMPALE
MF Investment Help
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14 days ago

purchase unit will adjust difference in NAV 10.263 View more

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  purchase unit will adjust difference in NAV 10.263
  
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krishna_ksvs
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26 days ago

View more

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The Fixed Income
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23 hrs ago

Diversify Your Investment Portfolio with a High and Fixed Return Opportunity 11.45% MEGHALAYA ENERGY CORPORATION LIMITED 2030 ✔️ Coupon: 11.45% ✔️ Rating: BRICKWORK (BWR) A-(CE) Stable, Acuite (SMERA) A-(CE) Stable ✔️ Tenor: 4y 3m (Maturity: 13/Feb/2030) Senior Secured Bond | PSU Bond | High Return Bond | Listed Secure a strong, stable investment backed by a PSU and enjoy predictable returns. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dXhXdlpnPT0=/1145-meghalaya-energy-corporation-limited-2030?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Diversify Your Investment Portfolio with a High and Fixed Return Opportunity 11.45% MEGHALAYA ENERGY CORPORATION LIMITED 2030 ✔️ Coupon: 11.45% ✔️ Rating: BRICKWORK (BWR) A-(CE) Stable, Acuite (SMERA) A-(CE) Stable ✔️ Tenor: 4y 3m (Maturity: 13/Feb/2030) Senior Secured Bond | PSU Bond | High Return Bond | Listed Secure a strong, stable investment backed by a PSU and enjoy predictable returns. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dXhXdlpnPT0=/1145-meghalaya-energy-corporation-limited-2030?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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shravanashok
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76 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

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  need your suggestion for sbi psu fund direct growth stay or switch
  
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ravisistla
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89 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

Posted by : ravisistla
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  Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
  
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sunny85deol
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127 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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