The Wealth Company Liquid Fund
This is the Regular plan of The Wealth Company Liquid Fund — bought through a distributor, whose commission is paid out of 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 45 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.
Not enough Liquid Fund peers to rank yet
Volatility 0.2% vs 0.2% category avg
0.3% expense vs 0.3% 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
No standout strengths identified.
Concerns
- Ranks #35 of 42 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 | +0.49% | +0.45% | +0.04% |
| 3M abs | +1.51% | +1.49% | +0.02% |
| 6M abs | +3.34% | +3.19% | +0.15% |
| 1Y CAGR | +6.14% | +6.28% | -0.14% |
| 3Y CAGR | — | +6.74% | — |
| 5Y CAGR | — | +6.18% | — |
Category average across peers in Liquid Fund (up to 45 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 45 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.
11 monthly installments of ₹10,000 into The Wealth Company 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 | +4.93% | |
| 2025part | +1.20% |
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- Debt97.71%
- Cash & Equivalents1.98%
- Other0.31%
Fund size over time
Quarterly average AUM · AMFIDown +26% from its peak of ₹738.57Cr 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
The Wealth Company Mutual Fund is run by the asset management arm of the Pantomath Group, and was branded Pantomath Mutual Fund before its rename. It is one of the industry's newest houses.
Fund Managers
USUmesh SharmaStart date not disclosed
CIO – Fixed Income
CA, CS, CFA
Mr. Umesh Sharma has over two decades of experience, including the last 14 years at Franklin Templeton Mutual Fund.. Prior to Franklin Templeton, he has worked at Invesco Mutual Fund, ICICI Bank, JM Financial Mutual Fund, and UTI Mutual Fund.
VNVarun NanavatiStart date not disclosed
Fund Manager – Fixed Income
B.COM and Chartered Accountant
Credit rating of Large Corporate Group – Crisil Ratings Ltd (2022 – 2025) Credit rating of Large Corporate Group (SID) (EMEA) – Citi (2021 – 2022) (2018 – 2021)
NJNeeraj JainStart date not disclosed
Fund Manager- Fixed Income
B.E. 8+ (Mechanical) PGDM (MDI Gurugram) CFA (USA)
Over 8 years in the financial markets with majority exposure to fixed income market segment. 1. April 11, 2024 – October 8, 2025 Fund Manager – Fixed Income, TRUST Asset Management Private Limited 2. June 2021 - April 10, 2024 Dealer – Fixed Income, TRUST Asset Management Private Limited 3. December 2020 - June 2021 AVP – Product Lead, TRUST Asset Management Private Limited 4. June 2017 - November 2020 Institutional Dealer, WDM Desk, TRUST Group 5. June 2013 – August 2014 Trader – Interest Rate Market, Futures First
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.
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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.
Frequently asked questions
What is the NAV of The Wealth Company Liquid Fund?
As of 04 Oct 2026, the NAV of The Wealth Company Liquid Fund is ₹1,062.96 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.
What returns has The Wealth Company Liquid Fund delivered?
The Wealth Company Liquid Fund has returned +6.14% over 1 year and +6.14% 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 The Wealth Company Liquid Fund?
The Wealth Company Liquid Fund charges an expense ratio of 0.27% 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 The Wealth Company Liquid Fund?
The Wealth Company Liquid Fund's largest holdings are Punjab National Bank 17-SEP-2026 (6.1%), 91 Days Treasury Bill 29-Oct-2026 (6.1%), REC Limited 23-NOV-2026 (6.0%), SIDBI 27-OCT-2026 (5.9%) and SIDBI 03-SEP-2026 (3.1%). Holdings are disclosed monthly and change over time.
How risky is The Wealth Company Liquid Fund?
The Wealth Company 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 The Wealth Company Liquid Fund?
The Wealth Company Liquid Fund is benchmarked against the NIFTY Liquid Index A-I. Its alpha and beta on this page are measured against that index.
Who manages The Wealth Company Liquid Fund?
The Wealth Company Liquid Fund is managed by Umesh Sharma, Varun Nanavati and Neeraj Jain at The Wealth Company.
How is The Wealth Company Liquid Fund taxed?
The Wealth Company 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.