HealthyDirect · GrowthFit for a long SIP
Edelweiss Liquid Fund
Edelweiss Mutual FundDebt Scheme - Liquid Fund9.9 years
The Scheme aims to provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through a portfolio of money market and debt securities.
- NAV
- 3,701.2703
- 1 Nov 2026
- 1Y
- +6.5%
- Trailing CAGR
- AUM
- ₹11,740.88 Cr
- 30 Sept 2026
- Volatility
- n/a
- History still thin
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
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 100% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Watch if · Risk metrics are withheld because the NAV history contains an implausible daily move above 50%.
Buy checklist
History depth
Pass
9.9 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.11% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -0.2%. Ask whether you can hold through a similar fall.
Vs category
Pass
100% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Hetul Raval · 1.1 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 ≈ 34.8% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
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+7.0%
- 5Y+6.5%
- 10Yn/a
- SI+68.8%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+6.6%
- 3Y+6.7%
- 5Y+6.8%
- 10Yn/a
- Since inception
- +68.8%
- Calendar-day CAGR
- Excess 1Y
- +0.1%
- Category median, same plan and option
- 3Y win rate
- +100%
- Windows beating the median
- 3Y percentile
- 100
- Vs comparable share classes
- SIP 3Y XIRR
- +6.7%
- Simulated monthly SIP
- Worst rolling 3Y
- +4.2%
- 2498 daily-ending windows
- Median rolling 3Y
- +6.0%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 1768 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -0.2%
- 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
- 14 recovered episodes
- Longest recovery
- 7 days
- Trough to prior peak
17 Mar 2020 – 27 Mar 2020
Trough 24 Mar 2020 · recovered in 3 days
-0.2%
3 May 2022 – 12 May 2022
Trough 5 May 2022 · recovered in 7 days
-0.1%
26 Mar 2023 – 29 Mar 2023
Trough 28 Mar 2023 · recovered in 1 days
-0.0%
21 Oct 2026 – 25 Oct 2026
Trough 22 Oct 2026 · recovered in 3 days
-0.0%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
100
Vs category
50
Consistency
100
Risk-adjusted
n/a
Drawdown
100
Mean
87
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 100% of rolling 3-year windows.
- Three-year return is above the category median.
- Peak-to-trough drawdown has stayed shallower than 15%.
Risk metrics are withheld because the NAV history contains an implausible daily move above 50%.
Portfolio
30 Sept 2026 · 84 holdings · top 10 are 34.8%.
- Top 5
- 21.9%
- Top 10
- 34.8%
- Largest holding
- 6.3%
- Effective holdings
- 42.0
91 DAYS TBILL RED 10-12-2026
Financial
6.3%
CANARA BANK CD 18DEC26
Financial
4.8%
BANK OF INDIA CD RED 03-12-2026#**
Financial
4.2%
GOVERNMENT OF INDIA 37705 091 DAYS TBILL 29OT26 FV RS 100
Financial
3.6%
SIDBI CP RED 02-12-2026**
Financial
2.9%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
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
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
TRUSTMF Liquid Fund
Trust Mutual Fund
- 1Y
- +6.4%
- 3Y
- +6.8%
- Vol
- 0.1%
- Max DD
- -0.0%
- Sharpe
- -10.32
- 3Y win
- +2%
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
UNIFI LIQUID FUND
Unifi Mutual Fund
- 1Y
- +5.8%
- 3Y
- n/a
- Vol
- 0.1%
- Max DD
- 0.0%
- Sharpe
- -14.33
- 3Y win
- n/a
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Aditya Birla Sun Life Liquid Fund- Discipline Advantage Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- +6.6%
- 3Y
- +7.2%
- Vol
- n/a
- Max DD
- -0.2%
- Sharpe
- n/a
- 3Y win
- +96%
- Higher trailing returns
Caveat: Deeper drawdown
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%
- Shallower drawdown
Caveat: Lower trailing returns