Kotak Liquid Fund vs Sundaram Liquid Fund (Formerly Known as Principal Cash Management Fund)
Liquid Fund · Direct Plan – Growth · Compared on official AMFI NAV data · NAVs as of 13-Jul-2026
| Metric | Kotak Liquid Fund | Sundaram Liquid Fund (Formerly Known as Principal Cash Management Fund) |
|---|---|---|
| Latest NAV | ₹5,679.92 | ₹2,483.96 |
| 1-Year Return | +4.62% | +4.61% |
| 3-Year Return (CAGR) | +4.72% | +4.67% |
| 5-Year Return (CAGR) | N/A | N/A |
| Volatility (1Y, annualised) | 0.3% | 0.2% |
| Max Drawdown | −0.0% | −0.0% |
| Fund House | Kotak Mahindra Mutual Fund | Sundaram Mutual Fund |
Growth of ₹10,000
If you had invested ₹10,000 in each fund
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Kotak Liquid Fund vs Sundaram Liquid Fund (Formerly Known as Principal Cash Management Fund): which is better?
Kotak Liquid Fund and Sundaram Liquid Fund (Formerly Known as Principal Cash Management 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), Kotak Liquid Fund leads with +4.72% against +4.67% — a gap of about 0.06 percentage points per year over that period.
Sundaram Liquid Fund (Formerly Known as Principal Cash Management Fund) has been the steadier fund over the past year, with annualised volatility of 0.2% versus 0.3%. Looking at worst falls, Kotak Liquid Fund's deepest drawdown in the stored history is −0.0% against −0.0% for Sundaram Liquid Fund (Formerly Known as Principal Cash Management 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
- Kotak Liquid Fund has delivered higher 3-year returns (+4.72% vs +4.67%).
- Sundaram Liquid Fund (Formerly Known as Principal Cash Management Fund) has shown lower volatility over the trailing year.
- Kotak Liquid Fund has had the shallower maximum drawdown (−0.0%).
Frequently Asked Questions
Which fund has given higher returns — Kotak Liquid Fund or Sundaram Liquid Fund (Formerly Known as Principal Cash Management Fund)?
Over the past 3 year period, Kotak Liquid Fund has delivered higher returns: +4.72% versus +4.67% annualised. Past performance does not guarantee future results.
Which fund is less risky — Kotak Liquid Fund or Sundaram Liquid Fund (Formerly Known as Principal Cash Management Fund)?
Based on the trailing year, Sundaram Liquid Fund (Formerly Known as Principal Cash Management Fund) has shown lower day-to-day volatility (Kotak Liquid Fund: 0.3%, Sundaram Liquid Fund (Formerly Known as Principal Cash Management 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 Kotak Liquid Fund and Sundaram Liquid Fund (Formerly Known as Principal Cash Management 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.