DSP Liquidity Fund vs JM Liquid Fund (
Liquid Fund · Direct Plan – Growth · Compared on official AMFI NAV data · NAVs as of 13-Jul-2026
| Metric | DSP Liquidity Fund | JM Liquid Fund ( |
|---|---|---|
| Latest NAV | ₹4,021.35 | ₹76.69 |
| 1-Year Return | +4.66% | +4.53% |
| 3-Year Return (CAGR) | +4.68% | +5.09% |
| 5-Year Return (CAGR) | N/A | N/A |
| Volatility (1Y, annualised) | 0.2% | 0.2% |
| Max Drawdown | −0.0% | −0.0% |
| Fund House | DSP Mutual Fund | JM Financial Mutual Fund |
Growth of ₹10,000
If you had invested ₹10,000 in each fund
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DSP Liquidity Fund vs JM Liquid Fund (: which is better?
DSP Liquidity Fund and JM Liquid Fund ( are both liquid fund mutual funds (direct plan, growth option). This comparison uses each fund's official AMFI NAV history — the same daily data the fund houses publish — to compare returns, volatility and drawdowns side by side.
On 3-year returns (annualised), JM Liquid Fund ( leads with +5.09% against +4.68% — a gap of about 0.41 percentage points per year over that period.
JM Liquid Fund ( has been the steadier fund over the past year, with annualised volatility of 0.2% versus 0.2%. Looking at worst falls, DSP Liquidity Fund's deepest drawdown in the stored history is −0.0% against −0.0% for JM Liquid Fund (.
Which fund suits you depends on your horizon and appetite for swings: the higher-return fund is only the better pick if you can hold through its rougher months. Use the ₹10,000 growth chart above to see how each fund actually behaved through market cycles, and consider consulting a SEBI-registered adviser before investing. This comparison is informational, not investment advice.
Key takeaways
- JM Liquid Fund ( has delivered higher 3-year returns (+5.09% vs +4.68%).
- JM Liquid Fund ( has shown lower volatility over the trailing year.
Frequently Asked Questions
Which fund has given higher returns — DSP Liquidity Fund or JM Liquid Fund (?
Over the past 3 year period, JM Liquid Fund ( has delivered higher returns: +5.09% versus +4.68% annualised. Past performance does not guarantee future results.
Which fund is less risky — DSP Liquidity Fund or JM Liquid Fund (?
Based on the trailing year, JM Liquid Fund ( has shown lower day-to-day volatility (DSP Liquidity Fund: 0.2%, JM Liquid Fund (: 0.2% annualised). Volatility and drawdowns describe past behaviour, not future safety — both funds carry the market risk of their category.
Can I invest in both DSP Liquidity Fund and JM Liquid Fund (?
Yes — many investors split a SIP across two funds. If both funds are from the same category, remember they will hold overlapping stocks, so diversification benefits may be smaller than they appear. Check each scheme's portfolio before doubling up within one category.
More Liquid Fund comparisons
Returns, volatility and drawdowns are computed from official AMFI NAV history for direct-growth plans and may differ slightly from fund-house factsheets due to date conventions. Mutual fund investments are subject to market risks. This comparison is for informational purposes only — not investment advice.