Sundaram Liquid Fund - Direct Plan - 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 89 (Category Avg - 67.49) | Modified Duration 0.09 Years (Category Avg - 0.12)| Yield to Maturity 5.98% (Category Avg - 5.98%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	0.00%	1.14%
CD	32.75%	35.50%
T-Bills	13.34%	17.24%
CP	41.35%	36.85%
NCD & Bonds	1.33%	4.30%

Category - Liquid Fund

Security Type	% Weight	Category Average
Government Backed	13.34%	18.37%
Low Risk	75.43%	76.50%
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 31st Oct,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Tata Power Co. Ltd.	CP	Integrated power utilities	P1+	CRISIL	1991.43	2.66%	4.00 k
Bond - National Bank for Agriculture & Rural Development	CP	Financial institution	P1+	CRISIL	1495.67	1.99%	3.00 k
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	1492.04	1.99%	3.00 k
Bond - T-Bill	T-Bills	Other			1397.50	1.86%	1.40 Cr
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	1243.21	1.66%	2.50 k
Bond - T-Bill	T-Bills	Other			1241.34	1.66%	1.25 Cr
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1240.93	1.66%	2.50 k
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	1239.85	1.65%	2.50 k
Bond - T-Bill	T-Bills	Other			1044.88	1.39%	1.05 Cr
Bond - Can Fin Homes Ltd.	NCD & Bonds	Housing finance company	AA+	FITCH	1000.78	1.33%	1.00 k
Bond - T-Bill	T-Bills	Other			998.22	1.33%	1.00 Cr
Bond - Reliance Retail Ventures Ltd.	CP	Diversified retail	P1+	CRISIL	998.03	1.33%	2.00 k
Bond - IGH Holdings Private Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	998.00	1.33%	2.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	997.28	1.33%	2.00 k
Bond - Federal Bank Ltd.	CD	Private sector bank	P1+	CRISIL	996.10	1.33%	2.00 k
Bond - T-Bill	T-Bills	Other			996.03	1.33%	1.00 Cr
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	994.73	1.33%	2.00 k
Bond - T-Bill	T-Bills	Other			994.09	1.33%	1.00 Cr
Bond - T-Bill	T-Bills	Other			994.09	1.33%	1.00 Cr
Bond - Tata Steel Ltd.	CP	Iron & steel products	A1+	ICRA	993.37	1.32%	2.00 k
Bond - Indian Oil Corporation Ltd.	CP	Refineries & marketing	P1+	CRISIL	992.24	1.32%	2.00 k
Bond - UCO Bank	CD	Public sector bank	P1+	CRISIL	992.20	1.32%	2.00 k
Bond - Bank Of India	CD	Public sector bank	P1+	CRISIL	992.17	1.32%	2.00 k
Bond - Reliance Retail Ventures Ltd.	CP	Diversified retail	P1+	CRISIL	992.14	1.32%	2.00 k
Bond - L&T Finance Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	992.02	1.32%	2.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	991.83	1.32%	2.00 k
Bond - Kotak Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	991.76	1.32%	2.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	991.15	1.32%	2.00 k
Bond - HDFC Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	991.00	1.32%	2.00 k
Bond - Export Import Bank Of India	CD	Financial institution	P1+	CRISIL	990.46	1.32%	2.00 k
Bond - T-Bill	T-Bills	Other			986.91	1.32%	1.00 Cr
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	986.84	1.32%	2.00 k
Bond - HDFC Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	940.29	1.25%	1.90 k
Bond - IDFC First Bank Ltd.	CD	Private sector bank	P1+	CRISIL	748.91	1.00%	1.50 k
Bond - Motilal Oswal Financial Services Ltd.	CP	Stockbroking & allied	P1+	CRISIL	748.40	1.00%	1.50 k
Bond - PNB Housing Finance Ltd.	CP	Housing finance company	P1+	CRISIL	748.00	1.00%	1.50 k
Bond - Julius Baer Capital (India) Pvt Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	747.26	1.00%	1.50 k
Bond - Infina Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	746.88	1.00%	1.50 k
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	746.86	1.00%	1.50 k
Bond - Punjab National Bank	CD	Public sector bank	P1+	CRISIL	745.87	0.99%	1.50 k
Bond - Export Import Bank Of India	CP	Financial institution	P1+	CRISIL	745.01	0.99%	1.50 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	743.84	0.99%	1.50 k
Bond - Godrej Industries Ltd	CP	Animal feed	P1+	CRISIL	743.47	0.99%	1.50 k
Bond - Bajaj Financial Securities Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	743.25	0.99%	1.50 k
Bond - T-Bill	T-Bills	Other			740.86	0.99%	75.00 L
Bond - Network 18 Media & Invst. Ltd.	CP	Media & entertainment	A1+	ICRA	740.79	0.99%	1.50 k
Bond - ICICI Home Finance Company Ltd.	CP	Housing finance company	A1+	ICRA	739.74	0.99%	1.50 k
Bond - T-Bill	T-Bills	Other			598.93	0.80%	60.00 L
Bond - ICICI Home Finance Company Ltd.	CP	Housing finance company	A1+	ICRA	499.59	0.67%	1.00 k
Bond - HDFC Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	499.14	0.67%	1.00 k
Bond - Aditya Birla Money Ltd.	CP	Stockbroking & allied	P1+	CRISIL	499.01	0.67%	1.00 k
Bond - HDFC Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	498.97	0.67%	1.00 k
Bond - Kotak Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	498.97	0.67%	1.00 k
Bond - Bajaj Financial Securities Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	498.96	0.67%	1.00 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	498.64	0.67%	1.00 k
Bond - ICICI Home Finance Company Ltd.	CP	Housing finance company	A1+	ICRA	498.61	0.67%	1.00 k
Bond - Blue Star Ltd.	CP	Household appliances	P1+	CRISIL	498.41	0.66%	1.00 k
Bond - Reliance Retail Ventures Ltd.	CP	Diversified retail	P1+	CRISIL	498.36	0.66%	1.00 k
Bond - Kisetsu Saison Finance (India) Private Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	498.30	0.66%	1.00 k
Bond - Fedbank Financial Services Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	498.11	0.66%	1.00 k
Bond - SBICAP Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	497.95	0.66%	1.00 k
Bond - Aditya Birla Money Ltd.	CP	Stockbroking & allied	P1+	CRISIL	497.64	0.66%	1.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	497.50	0.66%	1.00 k
Bond - Bank Of India	CD	Public sector bank	P1+	CRISIL	497.32	0.66%	1.00 k
Bond - Reliance Retail Ventures Ltd.	CP	Diversified retail	P1+	CRISIL	497.29	0.66%	1.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	497.24	0.66%	1.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	496.86	0.66%	1.00 k
Bond - IDBI Bank Ltd.	CD	Private sector bank	P1+	CRISIL	496.81	0.66%	1.00 k
Bond - Aditya Birla Housing Finance Ltd.	CP	Housing finance company	P1+	CRISIL	496.79	0.66%	1.00 k
Bond - Punjab National Bank	CD	Public sector bank	P1+	CRISIL	496.76	0.66%	1.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	496.69	0.66%	1.00 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	496.69	0.66%	1.00 k
Bond - Kotak Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	496.67	0.66%	1.00 k
Bond - SBICAP Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	496.51	0.66%	1.00 k
Bond - Julius Baer Capital (India) Pvt Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	496.41	0.66%	1.00 k
Bond - Indian Oil Corporation Ltd.	CP	Refineries & marketing	P1+	CRISIL	496.36	0.66%	1.00 k
Bond - Birla Group Holdings Private Ltd.	CP	Investment company	P1+	CRISIL	495.69	0.66%	1.00 k
Bond - Bank Of India	CD	Public sector bank	P1+	CRISIL	495.52	0.66%	1.00 k
Bond - IGH Holdings Private Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	495.12	0.66%	1.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	494.05	0.66%	1.00 k
Bond - Kotak Mahindra Bank Ltd.	CD	Private sector bank	P1+	CRISIL	493.91	0.66%	1.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	493.81	0.66%	1.00 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	493.60	0.66%	1.00 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	P1+	CRISIL	493.47	0.66%	1.00 k
Bond - Small Industries Development Bank Of India	CP	Financial institution	P1+	CRISIL	492.82	0.66%	1.00 k
Bond - IDFC First Bank Ltd.	CD	Private sector bank	P1+	CRISIL	492.80	0.66%	1.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	249.76	0.33%	500.00
Bond - Export Import Bank Of India	CP	Financial institution	P1+	CRISIL	249.64	0.33%	500.00
Bond - T-Bill	T-Bills	Other			1.87	0.00%	18.80 k