This is the Direct plan of Unifi Liquid Fund — bought from the fund house, with no distributor commission in its expense ratio. Income is retained in the fund, so it shows up as NAV rather than as a payout.
NAV history
Scorecard
★★☆☆☆2/5 vs 41 of 43 Liquid Fund peers1Y- Performance 60%
- Risk 15%
- Cost 10%
- Downside 15%
How this is computed
Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. The stars weight the same ground 60/15/10/15 (performance/risk/cost/downside) across every fund in the peer group. Ranked within Liquid Fund (same plan and option). Based on a 1-year record — this fund is too young for a 3-year CAGR, so its performance is ranked on 1Y against the same peers. 41 of the 43 Liquid Funds in this cohort carry the full record the stars need, so they are the ones ranked against.
Not enough Liquid Fund peers to rank yet
Volatility 0.2% vs 0.2% category avg
0.1% expense vs 0.1% category avg
Not enough history for a rolling 3Y view
Strengths & concerns
Generated from this fund's own numbers against its sub-category — each point names the figure behind it.
Strengths
- Less volatile than its Liquid Fund peers (0.2% vs 0.2%)
- Low expense ratio (0.09%) vs the Liquid Fund average of 0.15%
Concerns
- 1-year return (+5.84%) trails the Liquid Fund average (+6.42%)
- Ranks #40 of 41 on 1-year return in its Liquid Fund cohort
Key Metrics
Scheme Info
DefinitionsPeriod returns (<1Y, absolute — not annualized)
DefinitionsAnnualized returns (≥1Y — CAGR)
DefinitionsAdvanced metrics — risk
Fund vs category average (Liquid Fund)
| Period | Fund | Category avg. | Diff |
|---|---|---|---|
| 1M abs | +0.42% | +0.46% | -0.04% |
| 3M abs | +1.33% | +1.53% | -0.20% |
| 6M abs | +2.74% | +3.24% | -0.50% |
| 1Y CAGR | +5.84% | +6.42% | -0.58% |
| 3Y CAGR | — | +6.88% | — |
| 5Y CAGR | — | +6.33% | — |
Category average across peers in Liquid Fund (up to 43 funds with data), same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).
Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.
Category rank
Vs 43 peers in Liquid Fund
Backtest this fund
What a SIP or one-time investment would have grown to over this fund’s real NAV history.
12 monthly installments of ₹10,000 into Unifi Liquid Fund, valued at the latest NAV. XIRR annualizes for each installment’s timing.
Calendar-year returns
What the fund actually returned in each year, not the smoothed average.
| Year | Fund | |
|---|---|---|
| 2026part | +4.43% | |
| 2025part | +3.23% |
January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in.
Taxation
Taxed as debtThis is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — every rupee of gain is added to your income and taxed at your income-tax slab rate, whatever the holding period.
Your income-tax slab — no LTCG or indexation benefit
Pick your slab to see the rate that applies to you.
Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.
Asset allocation
As on 31 Aug 2026 · AMC disclosure- Cash & Equivalents69.73%
- Debt30.27%
Fund size over time
Quarterly average AUM · AMFIDown +38% from its peak of ₹147.04Cr in January - March 2026. Size matters most where the mandate is narrow — a large small-cap or a very large flexi-cap book is harder to move without moving the price.
Net flow is an estimate: AMFI publishes a quarterly average AUM, not a closing balance, and it covers every plan and option of this scheme together, so it is a read on direction and rough size rather than a cash-flow statement.
AMC Profile
Unifi Mutual Fund is the mutual fund arm of Unifi Capital, a Chennai-based manager with a long record in portfolio management and alternative investment funds focused on small and mid-sized companies.
Fund Managers
KSKarthik SrinivasStart date not disclosed
Debt Fund Manager
• Chartered Accountant from ICAI • CFA
Karthik will be managing the debt portfolio of the scheme. He comes with about 11 years of financial services experience across fund management, research, audit and taxation. He has 3 years of fund management and debt markets research in Unifi Capital wherein he co-managed the debt-oriented Cat III Alternative Investment Fund. He was also responsible for identifying investment opportunities, evaluation and monitoring. Earlier, he was part of The Sanmar Group, working in their Founders' Office, focusing on growth strategy and financing initiatives, and was part of the IPO process of a group company. Prior to that, he was with Deloitte in their Risk Advisory practice.
Fund managers from the AMC's filed Scheme Summary — its most recent filing for this scheme. Benchmark and dealing terms from it and this scheme's SEBI-filed Scheme Information Document on AMFI. Each manager's qualifications and role are reconciled across every filing this fund house makes for them, including its Statement of Additional Information. Total AUM via AMFI.
Explore from here
Unifi in the news
Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.
AGI Greenpac NSE:AGI Analyst Meet Unifi Mutual Fund Sep 2026
Kalkine India · 18d ago
Fedbank Financial Services Ltd Shareholding Pattern – Promoters, FIIs & DIIs
Value Research · 27 Aug 2026
Annual report card: Which fund house saw the highest AUM growth in FY 2026?
Cafemutual · 08 Apr 2026
'We're not inclined to launch too many products'
Value Research · 27 Oct 2025
Unifi Liquid Fund Direct Growth
Groww · 05 Jun 2025
Unifi Liquid Fund - Direct Plan: Overview, Performance, Portfolio | Mutual Fund
Value Research · 29 May 2025
Unifi Flexi Cap Fund Direct Growth
Groww · 20 May 2025
A sailor’s flair for steering portfolios
The Times of India · 19 May 2025
Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.
About Liquid funds
Liquid funds invest in very short-term debt (maturing within 91 days). They're used to park money for days or weeks — low risk and easy to redeem, but low return too.
From the blog
Frequently asked questions
What is the NAV of Unifi Liquid Fund?
As of 05 Oct 2026, the NAV of Unifi Liquid Fund is ₹1,078.83 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.
What returns has Unifi Liquid Fund delivered?
Unifi Liquid Fund has returned +5.84% over 1 year and +5.88% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.
What is the expense ratio of Unifi Liquid Fund?
Unifi Liquid Fund charges an expense ratio of 0.09% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.
What are the top holdings of Unifi Liquid Fund?
Unifi Liquid Fund's largest holdings are Indian Bank 10-SEP-2026 (9.6%), Axis Bank Limited 10-SEP-2026 (9.6%), Canara Bank 15-SEP-2026 (9.6%) and Corporate Debt Market Development Fund - Class A2 (1.4%). Holdings are disclosed monthly and change over time.
How risky is Unifi Liquid Fund?
Unifi Liquid Fund is rated low on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 0.2% and its worst peak-to-trough fall in our sample was 0.0%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.
What is the benchmark of Unifi Liquid Fund?
Unifi Liquid Fund is benchmarked against the Tier 1 - Nifty Liquid Index A-I (TRI). Its alpha and beta on this page are measured against that index.
Who manages Unifi Liquid Fund?
Unifi Liquid Fund is managed by Karthik Srinivas at Unifi.
How is Unifi Liquid Fund taxed?
Unifi Liquid Fund is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.