Union Liquid Fund Direct-Growth
Debt: Liquid - Growth (Open ended)
SEBI Riskometer: Low to ModerateCategory: Debt: LiquidBenchmark: CRISIL Liquid Debt A-I IndexCheck Portfolio Overlap →
NAV: ₹2,757.52+0.00%
25 Oct 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for Union Liquid Fund Direct-Growth.
Historical Asset Allocation
| Asset | 30 Sep 2026 | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 |
|---|---|---|---|---|---|---|
| Equity | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Debt | 111.72% | 93.40% | 98.79% | 112.28% | 94.82% | 97.33% |
| Others (incl. cash) | -11.72% | 6.60% | 1.21% | -12.28% | 5.18% | 2.67% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Portfolio Snapshot
No. of Securities
74
Top Holding %
3.94%
Top 5 Holdings %
16.57%
Top 10 Holdings %
28.62%
Modified Duration
0.15 yrs
Avg. Maturity
0.16 yrs
Yield to Maturity
6.58%
AUM
₹5,014 Cr
Expense Ratio
0.07%
Since Inception
6.52%
Max Drawdown
-0.03%
Sharpe Ratio
5.43
Top Portfolio Holdings by Weight
Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.
| Instrument | Sector | No. of Shares | Value (Rs. Cr) | Weight | Change |
|---|---|---|---|---|---|
| Bank Of Baroda | Financial | 2,00,00,00,000 | 197.45 | 3.94% | - |
| Reserve Bank of India | Financial | 1,90,00,00,000 | 188.43 | 3.76% | 0.83%↑ |
| HDFC Bank Ltd. | Financial | 1,50,00,00,000 | 148.91 | 2.97% | 2.32%↑ |
| Alembic Pharmaceuticals Ltd. | Healthcare | 1,50,00,00,000 | 148.09 | 2.95% | - |
| HDFC Bank Ltd. | Financial | 1,50,00,00,000 | 148.08 | 2.95% | - |
| Reserve Bank of India | Financial | 1,25,00,00,000 | 124.11 | 2.48% | 0.20%↑ |
| Kotak Mahindra Securities Ltd. | Financial | 1,25,00,00,000 | 123.74 | 2.47% | 0.85%↑ |
| The Federal Bank Ltd. | Financial | 1,25,00,00,000 | 123.47 | 2.46% | - |
| Sikka Ports and Terminals Ltd. | Energy | 1,18,00,00,000 | 118.1 | 2.36% | 2.03%↑ |
| Reserve Bank of India | Financial | 1,15,00,00,000 | 114.55 | 2.28% | 0.77%↑ |
| Reserve Bank of India | Financial | 1,00,00,00,000 | 99.7 | 1.99% | 0.68%↑ |
| HDFC Bank Ltd. | Financial | 1,00,00,00,000 | 99.42 | 1.98% | 0.68%↑ |
| Bank Of Baroda | Financial | 1,00,00,00,000 | 99.31 | 1.98% | 0.68%↑ |
| BobCard Ltd. | Financial | 1,00,00,00,000 | 99.09 | 1.98% | - |
| Motilal Oswal Finevest Ltd. | Financial | 1,00,00,00,000 | 99.21 | 1.98% | - |
| Canara Bank | Financial | 1,00,00,00,000 | 99.4 | 1.98% | - |
| Axis Bank Ltd. | Financial | 1,00,00,00,000 | 99.05 | 1.98% | 1.00%↑ |
| SBICAP Securities Ltd. | Financial | 1,00,00,00,000 | 99.04 | 1.98% | 0.68%↑ |
| LIC Housing Finance Ltd. | Financial | 1,00,00,00,000 | 99.29 | 1.98% | 0.68%↑ |
| PNB Housing Finance Ltd. | Financial | 1,00,00,00,000 | 99.1 | 1.98% | 0.68%↑ |
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Debt Holdings — Credit Quality Profile
Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.
| Rating | Fund | Category |
|---|---|---|
| A1+ | 90.84% | 70.46% |
| SOV | 15.17% | 16.86% |
| AAA | 5.35% | 2.30% |
| Others | 0.36% | 2.46% |
| AA | - | 0.11% |
| AA+ | - | 0.23% |
| Bill Rediscounting | - | 0.01% |
| Cash | - | 0.00% |
| Term Deposits | - | 0.34% |
| Cash & Call Money | -11.72% | 5.70% |
Debt Insights
A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.
SEBI PRC matrix
Credit risk
| Interest risk | |||
|---|---|---|---|
| Low | Moderate | High | |
| Low | |||
| Moderate | |||
| High | |||
Instruments
| Full name | Description | Coupon rate | Maturity | Rating raw | Weight |
|---|---|---|---|---|---|
| Bank Of Baroda | Certificate of Deposit | 0.00% | 15/12/2026 | IND A1+ | 3.94% |
| Reserve Bank of India | Treasury Bills | 0.00% | 91-D 27/11/2026 | SOV | 3.76% |
| HDFC Bank Ltd. | Certificate of Deposit | 0.00% | 13/11/2026 | CRISIL A1+ | 2.97% |
| Alembic Pharmaceuticals Ltd. | Commercial Paper | 0.00% | 11/12/2026 | CRISIL A1+ | 2.95% |
| HDFC Bank Ltd. | Certificate of Deposit | 0.00% | 15/12/2026 | [ICRA]A1+ | 2.95% |
| Reserve Bank of India | Treasury Bills | 0.00% | 91-D 19/11/2026 | SOV | 2.48% |
| Kotak Mahindra Securities Ltd. | Commercial Paper | 0.00% | 91-D 23/11/2026 | CRISIL A1+ | 2.47% |
| The Federal Bank Ltd. | Certificate of Deposit | 0.00% | 10/12/2026 | CRISIL A1+ | 2.46% |
| Sikka Ports and Terminals Ltd. | Debenture | 7.95% | 28/10/2026 | CRISIL AAA | 2.36% |
| Reserve Bank of India | Treasury Bills | 0.00% | 91-D 29/10/2026 | SOV | 2.28% |
| Reserve Bank of India | Treasury Bills | 0.00% | 91-D 22/10/2026 | SOV | 1.99% |
| Axis Bank Ltd. | Certificate of Deposit | 0.00% | 26/11/2026 | CRISIL A1+ | 1.98% |
| Motilal Oswal Finevest Ltd. | Commercial Paper | 0.00% | 09/11/2026 | CRISIL A1+ | 1.98% |
| BobCard Ltd. | Commercial Paper | 0.00% | 18/11/2026 | CRISIL A1+ | 1.98% |
| SBICAP Securities Ltd. | Commercial Paper | 0.00% | 91-D 20/11/2026 | CRISIL A1+ | 1.98% |
| HDFC Bank Ltd. | Certificate of Deposit | 0.00% | 04/11/2026 | CRISIL A1+ | 1.98% |
| PNB Housing Finance Ltd. | Commercial Paper | 0.00% | 91-D 20/11/2026 | CRISIL A1+ | 1.98% |
| LIC Housing Finance Ltd. | Commercial Paper | 0.00% | 11/11/2026 | CRISIL A1+ | 1.98% |
| Canara Bank | Certificate of Deposit | 0.00% | 06/11/2026 | CRISIL A1+ | 1.98% |
| Bank Of Baroda | Certificate of Deposit | 0.00% | 11/11/2026 | IND A1+ | 1.98% |
| LIC Housing Finance Ltd. GDR/GDS | Commercial Paper | 0.00% | 91-D 26/11/2026 | CRISIL A1+ | 1.97% |
| AU Small Finance Bank Ltd. | Certificate of Deposit | 0.00% | 25/11/2026 | CRISIL A1+ | 1.97% |
| Sikka Ports and Terminals Ltd. | Commercial Paper | 0.00% | 04/12/2026 | CRISIL A1+ | 1.97% |
| Small Industries Devp. Bank of India Ltd. | Commercial Paper | 0.00% | 02/12/2026 | CRISIL A1+ | 1.97% |
| Bank of India | Certificate of Deposit | 0.00% | 03/12/2026 | CRISIL A1+ | 1.97% |
| Bank Of Baroda | Certificate of Deposit | 0.00% | 07/12/2026 | IND A1+ | 1.97% |
| Redington Ltd. | Commercial Paper | 0.00% | 10/12/2026 | CRISIL A1+ | 1.97% |
| Muthoot Fincorp Ltd. | Commercial Paper | 0.00% | 364-D 02/12/2026 | CRISIL A1+ | 1.97% |
| Small Industries Devp. Bank of India Ltd. | Certificate of Deposit | 0.00% | 04/12/2026 | CRISIL A1+ | 1.97% |
| HDFC Bank Ltd. | Certificate of Deposit | 0.00% | 17/12/2026 | [ICRA]A1+ | 1.97% |
| National Bank For Agriculture & Rural Development | Commercial Paper | 0.00% | 27/11/2026 | CRISIL A1+ | 1.97% |
| Redington Ltd. | Commercial Paper | 0.00% | 03/12/2026 | CRISIL A1+ | 1.97% |
| Reliance Retail Ventures Ltd. | Commercial Paper | 0.00% | 27/11/2026 | CRISIL A1+ | 1.97% |
| LIC Housing Finance Ltd. | Debenture | 6.40% | 30/11/2026 | CRISIL AAA | 1.49% |
| Export-Import Bank Of India | Certificate of Deposit | 0.00% | 11/11/2026 | CRISIL A1+ | 1.49% |
| HDFC Securities Ltd. | Commercial Paper | 0.00% | 07/12/2026 | CRISIL A1+ | 1.48% |
| Canara Bank | Certificate of Deposit | 0.00% | 30/11/2026 | CRISIL A1+ | 1.48% |
| Reserve Bank of India | Treasury Bills | 0.00% | 91-D 03/12/2026 | SOV | 1.48% |
| Muthoot Finance Ltd. | Commercial Paper | 0.00% | 353-D 16/11/2026 | CRISIL A1+ | 1.48% |
| Godrej Finance Ltd. | Commercial Paper | 0.00% | 91-D 13/11/2026 | CRISIL A1+ | 1.48% |
| Reserve Bank of India | Treasury Bills | 0.00% | 91-D 12/11/2026 | SOV | 1.39% |
| Indian Railway Finance Corporation Ltd. | Debenture | 7.41% | 15/10/2026 | CRISIL AAA | 1.00% |
| HDFC Securities Ltd. | Commercial Paper | 0.00% | 91-D 03/11/2026 | CRISIL A1+ | 0.99% |
| Bank Of Baroda | Certificate of Deposit | 0.00% | 25/11/2026 | IND A1+ | 0.99% |
| National Bank For Agriculture & Rural Development | Commercial Paper | 0.00% | 02/12/2026 | CRISIL A1+ | 0.99% |
| Reliance Retail Ventures Ltd. | Commercial Paper | 0.00% | 08/12/2026 | CRISIL A1+ | 0.99% |
| PNB Housing Finance Ltd. | Commercial Paper | 0.00% | 91-D 18/11/2026 | CRISIL A1+ | 0.99% |
| Cholamandalam Investment and Finance Company Ltd. | Commercial Paper | 0.00% | 364-D 27/11/2026 | CRISIL A1+ | 0.99% |
| Reserve Bank of India | Treasury Bills | 0.00% | 91-D 05/11/2026 | SOV | 0.99% |
| Adani Ports and Special Economic Zone Ltd. | Commercial Paper | 0.00% | 91-D 26/10/2026 | CRISIL A1+ | 0.99% |
| ICICI Securities Ltd. | Commercial Paper | 0.00% | 111-D 26/10/2026 | CRISIL A1+ | 0.99% |
| Infina Finance Pvt. Ltd. | Commercial Paper | 0.00% | 91-D 18/11/2026 | CRISIL A1+ | 0.99% |
| ICICI Securities Ltd. | Commercial Paper | 0.00% | 91-D 11/11/2026 | CRISIL A1+ | 0.99% |
| Axis Securities Ltd. | Commercial Paper | 0.00% | 91-D 20/11/2026 | CRISIL A1+ | 0.99% |
| Canara Bank | Certificate of Deposit | 0.00% | 25/11/2026 | CRISIL A1+ | 0.99% |
| Reliance Retail Ventures Ltd. | Commercial Paper | 0.00% | 02/12/2026 | CRISIL A1+ | 0.99% |
| Aditya Birla Capital Ltd. | Commercial Paper | 0.00% | 91-D 26/10/2026 | CRISIL A1+ | 0.99% |
| HDFC Bank Ltd. | Certificate of Deposit | 0.00% | 19/10/2026 | CRISIL A1+ | 0.99% |
| Small Industries Devp. Bank of India Ltd. | Certificate of Deposit | 0.00% | 27/10/2026 | CRISIL A1+ | 0.99% |
| Export-Import Bank Of India | Commercial Paper | 0.00% | 04/12/2026 | CRISIL A1+ | 0.99% |
| Axis Finance Ltd. | Commercial Paper | 0.00% | 0 | CRISIL A1+ | 0.99% |
| Canara Bank | Certificate of Deposit | 0.00% | 17/11/2026 | CRISIL A1+ | 0.99% |
| Axis Securities Ltd. | Commercial Paper | 0.00% | 91-D 04/11/2026 | CRISIL A1+ | 0.99% |
| ICICI Securities Ltd. | Commercial Paper | 0.00% | 04/12/2026 | CRISIL A1+ | 0.98% |
| Reserve Bank of India | Treasury Bills | 0.00% | 364-D 06/11/2026 | SOV | 0.50% |
| Bharti Telecom Ltd. | Debenture | 8.95% | 04/12/2026 | CRISIL AAA | 0.50% |
| HDFC Bank Ltd. | Certificate of Deposit | 0.00% | 06/11/2026 | CRISIL A1+ | 0.50% |
| Canara Bank | Certificate of Deposit | 0.00% | 18/12/2026 | CRISIL A1+ | 0.49% |
| Axis Bank Ltd. | Certificate of Deposit | 0.00% | 16/12/2026 | CRISIL A1+ | 0.49% |
| Maharashtra State | State Development Loan | 7.22% | 26/10/2026 | SOV | 0.10% |
| Tamilnadu State | State Development Loan | 7.23% | 26/10/2026 | SOV | 0.10% |
| Uttarakhand State | State Development Loan | 7.25% | 26/10/2026 | SOV | 0.10% |
Frequently Asked Questions
What are the top holdings of Union Liquid Fund Direct-Growth?
The top holdings of Union Liquid Fund Direct-Growth as of 30 Sep 2026 are Bank Of Baroda (3.94%), Reserve Bank of India (3.76%), HDFC Bank Ltd. (2.97%), Alembic Pharmaceuticals Ltd. (2.95%), HDFC Bank Ltd. (2.95%). These top 5 stocks together account for 16.57% of the total portfolio. You can view the complete holdings breakdown above.
How many stocks does Union Liquid Fund Direct-Growth hold in its portfolio?
Union Liquid Fund Direct-Growth holds 74 stocks in its portfolio as of 30 Sep 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.
What is the sector allocation of Union Liquid Fund Direct-Growth?
The sector allocation of Union Liquid Fund Direct-Growth is shown in the Sector Allocation section above.
What is the equity and debt allocation of Union Liquid Fund Direct-Growth?
As of 30 Sep 2026, Union Liquid Fund Direct-Growth has 0.00% allocated to equity, and 111.72% to debt. You can also check the historical trends above.
What is the market cap allocation of Union Liquid Fund Direct-Growth?
The market cap allocation of Union Liquid Fund Direct-Growth is shown in the Holdings Analysis section above.
What is the PE ratio of Union Liquid Fund Direct-Growth's portfolio?
The portfolio PE ratio of Union Liquid Fund Direct-Growth is shown in the Holdings Analysis section above.
What is the credit quality of Union Liquid Fund Direct-Growth?
As of 30 Sep 2026, Union Liquid Fund Direct-Growth's debt portfolio has 5.35% in AAA-rated instruments, - in AA-rated, and 15.17% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.
When is the latest portfolio disclosure for Union Liquid Fund Direct-Growth?
The latest portfolio disclosure for Union Liquid Fund Direct-Growth is as of 30 Sep 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.