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The Wealth Company Liquid Fund

THE WEALTH COMPANY LIQUID FUND

Put your money in good soil - quietly growing, always within reach.

NFO Opens:

24 Sep 2025

NFO Closes:

08 Oct 2025

Type:

An open ended liquid scheme. A relatively low interest rate risk and relatively moderate credit risk

Benchmark:

NIFTY Liquid Index A-I

Quick Reasons to Invest

Quality

Predominantly invests in high quality, short-term debt — no hidden credit risk, no yield chasing.

Disciplined

Managed through a multi layered research and risk framework. Every issuer vetted. Every rupee monitored.

Always within reach

Instant access up to ₹50,000* (or 90% of latest holding value of investment in the folio, whichever is less)

Fund Snapshot

Feature

Details

Type

An open ended liquid scheme. A relatively low interest rate risk and relatively moderate credit risk

Minimum Application

Rs. 1,000/- and in multiples of Re. 1/- thereafter

Minimum Redemption

'Any amount' or 'any number of units' as requested by the investor.

Entry Load

Nil

Exit Load

Units Redeemed/Switched-Out Within “X” Days from the date of allotment	Exit Load as a % of Redemption Proceeds
Day 1 (Refer Note below)	0.0070%
Day 2	0.0065%
Day 3	0.0060%
Day 4	0.0055%
Day 5	0.0050%
Day 6	0.0045%
Day 7 onwards	Nil

Plans/Options

Regular plan and Direct Plan. Each plan has Growth option and Income distribution cum Capital Withdrawal (IDCW)option. IDCW has sub options Daily, weekly and monthly.

Riskometer

Low to moderate Risk.

Investment Objective

The investment objective of the scheme is to provide opportunity to invest in a portfolio of money market and debt securities having maturity of up to 91 days only.

However, there is no assurance that the investment objective of the scheme will be achieved.

Our Investment Approach

A) E.P.O.C.H. Framework

Economic Environment

Understanding the Landscape

Pricing & Relative value

Identifying Opportunities

Optimal positioning

Strategic Asset Allocation

Credit Quality Analysis

Ensuring Financial Strength

Hedging & Risk Control

Mitigating Risk

B) E.D.G.E. Framework

Exchange and market specific indicators

•
Price change
•
Delivery volumes
•
Volatility index

Domestic indicators

•
Economic growth drivers
•
Central bank liquidity policy
•
Interest rate movements

Global indicators

•
Currency movements
•
Global bond yields
•
Global central bank policies
•
FII/DII activity

Exit & Rebalancing Strategy

•
Better opportunity
•
Drift away from initial investment rationale
•
Signs of business disruption /higher competitive intensity
•
Overlay of Technical factors like Momentum, RSI

Fund Managers

Mr. Umesh Sharma

(Debt)

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.

Mr. Varun Nanavati

(Debt)

Chartered Accountant with expertise in equity, credit and financial research. Former Senior Analyst at CRISIL Ratings, bringing rigorous evaluation skills to identify opportunities and build value-driven portfolios.

Scheme Documents

Scheme Information Document (SID)

Key Information Memorandum (KIM)

Product Deck

Product Label

This product is suitable for investors who are seeking*:

Income over short term
Investment in debt and money market instruments with maturity up to 91 days.

*Investors should consult their financial advisors if in doubt about whether the scheme is suitable for them.

Scheme Risk-o-meter

Liquid Fund

Benchmark Risk-o-meter

NIFTY Liquid Index A-I

Potential Risk Class (PRC) Matrix

Credit Risk →	Relatively Low (Class A)	Moderate (Class B)	Relatively High (Class C)
Interest Rate Risk ↓	Relatively Low (Class A)	Moderate (Class B)	Relatively High (Class C)
Relatively Low (Class I)		B-I
Moderate (Class II)
Relatively High (Class III)

The above product labelling assigned during the New Fund Offer is based on internal assessment of the Scheme Characteristics or model portfolio and the same may vary post NFO when actual investments are made

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Please refer to the SID, KIM, and application form before investing.

The Wealth Company Liquid Fund FAQs

Liquid Mutual Fund Schemes are an open-ended mutual fund scheme, which invests in short-term and low risk debt and money market instruments that have a maturity profile of not more than 91 days. The aim of the liquid mutual fund scheme is to provide high liquidity, low risk, for parking surplus cash. The scheme seeks to provide regular income through interest accrual with low volatility.

Liquid mutual fund schemes invest in debt and money market instruments having a maturity profile of not more than 91 days. Investments are made in sovereign instruments such as Treasury Bills, Central Government Securities, State Government Securities, Certificate of Deposits issued by banks, Commercial Paper Instruments issued by corporations other than banks, and Tri-Party Repo / Repo instruments.

Liquid mutual fund schemes are best suited for a duration of at least 7 days and are ideal for investors who need to park funds for basic needs such as emergency / contingency fund, tuition, travel, medical, etc., or can also be used for strategic investment purposes such as systematic transfer plans (STFs) for staged or staggered deployment of funds to equity or other mutual fund schemes. In the case of corporates, the benefits accrue in the form of treasury solutions such as dividend distribution staging, treasury management for routine gaps, etc.

In terms of risk return profile, traditional savings products (savings account and term deposits) are at the bottom, i.e., least return and lowest risk, and them comes liquid funds, debt funds with a duration up to 1 year, debt funds with duration over 1 year, and hybrid and equity funds. So, while term deposits offer fixed returns, liquid mutual fund schemes have higher liquidity, and in the case of savings account the said scheme has the potential to offer better returns. While returns are not guaranteed, but generally liquid mutual fund schemes have higher probability of outperformance over traditional savings products, and unlike fixed deposits, liquid mutual fund schemes do not have a lock-in period, thus offering greater flexibility. We have looked at the various rolling returns of the CRISIL Liquid Fund Index for this purpose going back over more than a decade. We find that the occurrence of less than 0% return over seven days is virtually negligible, and conversely, the occurrence of more than 4% returns of a seven-day period is around 84.2% (Source: Data for Crisil Liquid Debt Index from 1st January 2015 to 17th July 2025). Please note that, Past performance may or may not be sustained in the future.

Liquid mutual fund schemes returns are influenced by prevailing market conditions, monetary environment, and interest rates. One must note that past performance is not reflective of the future performance given the varying interest rate environment. But generally, liquid mutual fund schemes have the potential to offer higher returns than savings accounts owing to the varied basket of debt instruments that the fund house can invest in. Liquid Funds have a graded exit load of up to 6 days and no exit load from the 7th day.

Liquid mutual fund schemes are relatively secure due to investments in high-quality, short-term debt instruments issued by the government or reputable corporations. As per regulatory guidelines, minimum 20% of the net assets of the scheme are invested in “sovereign rated” debt instruments such as Treasury Bills, Tri-Party Repos, Central Government Securities, and State Government Securities. That said, one must also look at the credit quality of the underlying securities within the fund’s portfolio. While these funds typically invest in high-quality debt instruments with low credit risk, it is essential to check their credit ratings.

Before investing one must look at the following factors:

Risk and Returns: Assess the fund’s risk and return profile to ensure it aligns with your investment options and risk tolerance. Liquid funds generally present low-risk investment opportunities.
Expense ratio and other costs: Evaluate the expense ratio and any additional costs associated with the liquid schemes such as exit loads. Liquid Funds have a graded exit load of up to 6 days and no exit load from the 7th day, as these factors can influence overall returns.
Liquidity of the fund: Assess the liquidity of the liquid fund to ensure it can meet your redemption needs effectively.
Investment Horizon: Liquid funds are categorized under debt mutual funds and having investment horizon of security which have maturity of up to ninety-one days. Because they have such a short investment horizon, liquid funds might be a good investment option for someone who wishes to invest in funds that come with a short maturity period.

Capital gains arising from redemption of units in the liquid mutual fund scheme shall be added to the overall gross taxable income of the person and taxed as per applicable tax slab rates. That said, investments made prior to April 01, 2023, and investment holding period is more than 2 years, then gains will be taxed as long-term capital gains at a flat rate of 12.5% without indexation benefits, and if held for 2 years or less, the gains will be taxed as short-term capital gains at the applicable slab rates. In case of dividend distribution by the liquid fund scheme, the dividends are added to an investor's taxable income and taxed according to their income tax slab rate; the dividend distribution will be subjected to a 10% tax deduction at source (TDS) if dividend amount exceeds Rs. 5,000 in a financial year. (Taxation as per prevailing Tax rules)

In terms of liquidity, usually T+1 settlement is followed for redemptions, however up to Rs. 50,000 (per folio per investor per day) or 90% of the amount in the folio, whichever is less, can be redeemed instantly i.e. T+0 settlement under Instant access facility.

Investing in liquid mutual funds is a relatively simple process:

Through mutual fund distributors: Investors can invest via registered mutual fund distributors or financial advisors who provide guidance and assist with the application process.
Directly through asset management companies (AMCs): Many asset management companies, allow direct investments through their websites or mobile apps. This option can potentially help investors save on distributor commissions.
Online platforms: Various online platforms and mobile apps facilitate mutual fund investments. These platforms provide an easy way to compare and invest in different liquid funds.

The steps involved are:

KYC compliance: Ensure KYC requirements are met, as they are mandatory for all mutual fund investments.
Choose the platform: Choose the mode of platform for investments.
Make the investment: Decide on the investment mode (lump sum or SIP) and proceed with the payment.

Type of Schemes	Transaction type	Cut-off timings
	Subscription (including Switch-in from other schemes)	1:30 p.m.
Liquid Funds & Overnight Funds	Redemption (including Switch-in from other schemes)	3:00 p.m.

Transaction Type	Transaction received before cut-off timing	Money Received by MF before cut-off timing	Applicable NAV
Purchase / SIP Instalments / Switch in	Y	Y	Where the application is received up to 1.30 p.m. on a day and funds are available for utilization before the cut-off time -the closing NAV of the day immediately preceding the day of receipt of application
	N	Y	Where the application is received after 1.30 p.m. on a day and funds are available for utilization on the same day -the closing NAV of the day immediately preceding the next business day
	Y	N	Irrespective of the time of receipt of application, where the funds are not available for utilization before the cut-off time -the closing NAV of the day immediately preceding the day on which the funds are available for utilization.
Switch out / Redemptions	Y	N/A	In respect of valid applications received upto 3.00 p.m. -the closing NAV of the day immediately preceding the next Business Day
Switch out / Redemptions	N/A	Y	In respect of valid applications received after 3 p.m. by the Mutual Fund, the closing NAV of the next Business Day shall be applicable