LiquidModerately LowNot Rated₹0 Cr.
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Navi Liquid Fund-Reg(W-IDCW Payout) is an open-ended liquid fund designed for investors who want to park money for the short term. Liquid funds typically invest in debt and money market instruments with maturity/residual maturity of up to 91 days.
As of , Navi Liquid Fund-Reg(W-IDCW Payout) manages ₹ crore in assets, has a Yield to Maturity (YTM) of %, and a Modified Duration of days.
In simple terms: YTM indicates the portfolio's current income potential, while Modified Duration shows how sensitive the fund is to interest-rate changes (lower is typically more stable for short-term parking).
The investment objective of Navi Liquid Fund-Reg(W-IDCW Payout) is to generate reasonable returns with high liquidity by investing in short-maturity money market and debt instruments, in line with liquid fund norms. Investors can typically invest and redeem on business days (subject to scheme cut-off timings and applicable exit load).
The current NAV of the scheme is ₹10.01 as on 5 May 2026, and the risk level is Moderately Low.
Navi Liquid Fund-Reg(W-IDCW Payout) was launched on 19 Feb 2010 and is benchmarked against CRISIL Liquid Debt Index. The scheme is managed by Tanmay Sethi who has been managing the fund since 1 Feb 2024 and the fund is also managed by Tanmay Sethi. The exit load of the fund is 0.007% for Day 1, 0.0065% on Day 2, 0.0060% on Day 3, 0.0055% on Day 4, 0.0050% on Day 5, 0.0045% on Day 6, NIL on or after 7D
Navi Liquid Fund-Reg(W-IDCW Payout) invests across short-term instruments to balance liquidity and yield. As of , the portfolio is allocated to .
A quick way to read this: higher T-bills/cash typically signals more conservatism and liquidity, while higher CP/CD often aims to improve yield, assuming credit quality stays strong.
Credit quality matters even in liquid funds. The fund's portfolio is allocated .
In plain language: the higher the share of top-rated and sovereign instruments, the more the fund is leaning toward safety and stability. For liquid funds, credit quality is the most important filter, because one avoidable credit event can matter more than small return differences.
The top 5 holdings of the fund are .
In liquid funds, large holdings are commonly treasury bills, CDs/CPs, or short-term issuances from well-known institutions, chosen mainly for liquidity and credit comfort.
The top sector exposures are .
It is normal for liquid funds to show meaningful exposure to banks and financial institutions, because CDs and CPs are frequently issued by them.
Navi Liquid Fund-Reg(W-IDCW Payout)'s recent annualized returns are 5.4% (1 month), 5.7% (3 months) and 5.6% (6 months). Over 1 year, it has delivered 5.7% annualized returns. These returns are as of 6 May 2026.
Against the full liquid fund peer set, the scheme is ranked 30/33 over 1 month, 32/33 over 3 months, and 31/33 over 6 months period.
One simple way to interpret rankings: liquid funds rarely differ wildly in returns, so comparing the returns against peers will not make sense unless and until there is a big deviation.
If you had invested ₹1,00,000 in Navi Liquid Fund-Reg(W-IDCW Payout) then you would have got:
| Duration | Annualized Returns (%) | Current Total Value | Current Total Profit |
|---|---|---|---|
| 1 Month | 5.4% | ₹105400.00 | ₹5400.00 |
| 3 Months | 5.7% | ₹105700.00 | ₹5700.00 |
| 6 Months | 5.6% | ₹105600.00 | ₹5600.00 |
Note: These are historical returns and they may not repeat in the future.
Also note for very short holding periods, exit load can impact realized returns. Always check exit load before investing in any fund.
The Potential Risk Class (PRC) matrix of Navi Liquid Fund-Reg(W-IDCW Payout) is B-I which means that the fund has Relatively low interest rate risk and moderate credit risk.
It may suit investors who want to:
It offers a few practical benefits: professional management of short-term instruments, easy entry/exit (subject to cut-offs), a portfolio that is typically built for stability, and a structure that can be useful for short-term cash management, like emergency buffers, business expenses, planned expenses or any near-term goals.
Liquid funds are low risk, but not risk-free. Key things to watch are credit quality (ratings mix), exit load/cut-off rules, changes in YTM and duration, and whether the scheme's role matches your time horizon. Liquid funds are generally not meant for long-term wealth creation; they are mainly for parking money efficiently. Also, note the cut-off timings of liquid funds are different from other categories of funds.
For Liquid funds, taxation depends heavily on when you bought your units. Units acquired on or after 1 April 2023 are generally taxed as short-term capital gains at your slab rate and there are no long-term capital gain and loss benefits.
For units acquired before 1 April 2023, taxation follows the older capital-gains framework based on holding period and the date of sale.
Note that regulatory/tax updates over time can change how long-term treatment works.
Navi Liquid Fund-Reg(W-IDCW Payout) is positioned as a short-term parking option that aims to keep your money accessible while delivering reasonable returns through very short-maturity instruments (up to 91 days).
A simple way to track whether it is doing its job is to follow three live indicators: credit quality, peer ranking consistency, and monthly movement in YTM and modified duration. Among these, credit quality should always come first because protecting capital matters more than chasing marginally higher returns. When comparing liquid funds, focus on the rating mix (A1+/sovereign/AAA exposure), issuer concentration, and any meaningful shifts in the credit profile, and use returns/ranks mainly as a supporting check.
Choose from 1800+ schemes across AMCs with Ventura
To invest a lumpsum amount in Navi Liquid Fund-Reg(W-IDCW Payout) with Ventura: Access the Mutual funds section by logging in to Ventura through your browser/mobile app Select Navi Liquid Fund-Reg(W-IDCW Payout) from the list, the amount to be invested & make the payment.
To start a SIP (Systematic Investment Plan) in Navi Liquid Fund-Reg(W-IDCW Payout) with Ventura: Access the Mutual funds section by logging in to Ventura through your browser/mobile app Select Navi Liquid Fund-Reg(W-IDCW Payout) from the list, the amount to be invested & date of deduction. Pay the first instalment towards your SIP. Set the autopay mandate to enable regular investment of future SIP instalments, directly from your bank account. And you're done. Note: Remember to keep your bank account funded with the amount for regular SIPs for your mutual fund investment in Navi Liquid Fund-Reg(W-IDCW Payout).
It will take up to one trading day for the invested Navi Liquid Fund-Reg(W-IDCW Payout) units to reflect in your portfolio. For example, If you have made the investment in Navi Liquid Fund-Reg(W-IDCW Payout) on Monday before the cut-off time, the units will be allotted to you by Tuesday or the next working day if it is followed by a holiday. The NAV (Net Asset Value) for the units allotted will be as of the day you place your trades.
Yes, mutual funds can be bought or redeemed after market hours through the Ventura web platform or mobile application. However, the execution of these orders depends on the mutual fund's cutoff time for processing transactions.
