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Liquid funds are debt mutual funds that invest in short-term assets such as treasury bills, repos, commercial papers, and government securities.
NRIs can invest in liquid funds by opening an NRE or NRO bank account, completing KYC, and investing through stock exchanges, AMC websites, or registrar platforms.
Equity funds focus on long-term capital growth by investing primarily in company stocks, whereas liquid funds are short-term debt mutual funds investing in instruments like commercial papers, certificates of deposit, and treasury bills.
Liquid funds generally offer annual returns of around 7% to 8% for NRIs, which is usually higher than savings accounts while maintaining a low-risk profile.
Yes, liquid funds are suitable for emergency needs as they provide quick access to cash, have no exit penalties, and usually come with a short lock-in period of up to seven days.
By Ritesh Jain |Last Updated: December 16, 2025
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