MonitorDirect · GrowthWatch before adding
Bajaj Finserv Liquid Fund
Bajaj Finserv Mutual FundDebt Scheme - Liquid Fund3.3 years
The scheme seeks to provide a level of income consistent with the objectives of preservation of capital, lower risk and high liquidity through investments made primarily in money market and debt securities with maturity of up to 91 days only.
- NAV
- 1,249.5933
- 1 Nov 2026
- 1Y
- +6.5%
- Trailing CAGR
- AUM
- ₹6,862.6 Cr
- 30 Sept 2026
- Volatility
- Low
- 0.1% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 1 Nov 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · The fund beat the category median in 99% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Prefer peers if · Prefer Edelweiss Liquid Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Watch
3.3 years - usable, still building a track record.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.08% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -0.0%. Ask whether you can hold through a similar fall.
Vs category
Pass
99% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Chirag Shah · 0.5 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 37.2% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+6.5%
- 3Y+6.9%
- 5Yn/a
- 10Yn/a
- SI+6.9%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+6.5%
- 3Y+6.7%
- 5Yn/a
- 10Yn/a
- Since inception
- +6.9%
- Calendar-day CAGR
- Excess 1Y
- +0.0%
- Category median, same plan and option
- 3Y win rate
- +99%
- Windows beating the median
- 3Y percentile
- 67
- Vs comparable share classes
- SIP 3Y XIRR
- +6.7%
- Simulated monthly SIP
- Worst rolling 3Y
- +6.9%
- 109 daily-ending windows
- Median rolling 3Y
- +7.0%
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -0.0%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +1%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 2 days
- 6 recovered episodes
- Longest recovery
- 3 days
- Trough to prior peak
21 Oct 2026 – 25 Oct 2026
Trough 22 Oct 2026 · recovered in 3 days
-0.0%
22 Mar 2026 – 25 Mar 2026
Trough 23 Mar 2026 · recovered in 2 days
-0.0%
14 Oct 2026 – 16 Oct 2026
Trough 15 Oct 2026 · recovered in 1 days
-0.0%
5 Jul 2026 – 8 Jul 2026
Trough 6 Jul 2026 · recovered in 2 days
-0.0%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
67
Vs category
50
Consistency
85
Risk-adjusted
0
Drawdown
100
Mean
60
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Risk-adjusted return (Sharpe) is negative over the available daily history.
Supporting reads
- The fund beat the category median in 99% of rolling 3-year windows.
- Three-year return is above the category median.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 77 holdings · top 10 are 37.2%.
- Top 5
- 24.6%
- Top 10
- 37.2%
- Largest holding
- 12.4%
- Effective holdings
- 32.1
Others CBLO
Unspecified
12.4%
91 Days Tbill (MD 31/12/2026)
Financial
3.6%
BANK OF BARODA CD 06NOV26
Financial
2.9%
GOVERNMENT OF INDIA 37457 182 DAYS TBILL 27NV26 FV RS 100
Financial
2.9%
Canara Bank (04/12/2026) ** #
Financial
2.9%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Edelweiss Liquid Fund
Edelweiss Mutual Fund
- 1Y
- +6.5%
- 3Y
- +7.0%
- Vol
- n/a
- Max DD
- -0.2%
- Sharpe
- n/a
- 3Y win
- +100%
- Higher win rate vs category
- Higher trailing returns
Caveat: Deeper drawdown · Higher TER
PGIM India Liquid Fund
PGIM India Mutual Fund
- 1Y
- +6.5%
- 3Y
- +6.9%
- Vol
- 0.2%
- Max DD
- -0.1%
- Sharpe
- -8.82
- 3Y win
- +100%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
BANDHAN LIQUID Fund - Unclaimed More than 3 years
Bandhan Mutual Fund
- 1Y
- 0.0%
- 3Y
- 0.0%
- Vol
- 0.0%
- Max DD
- 0.0%
- Sharpe
- n/a
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
Caveat: Lower trailing returns
BANDHAN LIQUID Fund - Unclaimed Less than 3 years
Bandhan Mutual Fund
- 1Y
- +6.4%
- 3Y
- +6.9%
- Vol
- 0.2%
- Max DD
- -0.2%
- Sharpe
- -9.77
- 3Y win
- +100%
- Higher win rate vs category
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns
The Wealth Company Liquid Fund
The Wealth Company Mutual Fund
- 1Y
- +6.5%
- 3Y
- n/a
- Vol
- 0.2%
- Max DD
- -0.0%
- Sharpe
- -8.51
- 3Y win
- n/a
- Higher win rate vs category
Caveat: Higher volatility · Deeper drawdown · Higher TER · Lower trailing returns