Lowest Expense Ratio Mutual Funds

Lowest Expense Ratio Mutual Funds

The table below shows the lowest expense ratio of mutual funds based on AUM, NAV, and minimum SIP.

NameAUM (Cr)Minimum SIP (Rs)NAV (Rs)
SBI Liquid Fund69299.1412000.03783.74
HDFC Liquid Fund47222.26100.04749.64
ICICI Pru Liquid Fund35428.34100.0357.87
Nippon India Liquid Fund35418.6100.05916.26
Aditya Birla SL Liquid Fund29764.46100.0390.17
Kotak Liquid Fund27239.36100.04885.03
UTI Liquid Fund26476.76100.03962.83
Axis Liquid Fund22169.19100.02686.9
ICICI Pru Asset Allocator Fund21437.421000.0114.14
Aditya Birla SL Money Manager Fund18375.19100.0341.23

Content:

Introduction to Lowest Expense Ratio Mutual Funds

SBI Liquid Fund

The SBI Liquid Fund is a liquid mutual fund scheme offered by SBI Mutual Fund. It was initiated on January 1st, 2013, and has a tenure of 11 years and three months.

The SBI Liquid Fund has an exit load of 0.01% and an expense ratio of 0.19%. It carries a moderate risk level. Over the past five years, it has shown a Compound Annual Growth Rate (CAGR) of 5.24%. Furthermore, the fund manages assets worth ₹ 69,299.14 crore.

The distribution of shares indicates that 0.58% are in government securities, 0.86% in corporate debt, 19.43% in treasury bills, 45.25% in certificates of deposit, and 52.63% in commercial paper.

HDFC Liquid Fund

HDFC Liquid is a liquid mutual fund scheme offered by HDFC Mutual Fund. It has been operational for 11 years and 3 months.

The HDFC Liquid Fund imposes an exit load of 0.01% and has an expense ratio of 0.2%. It holds a moderately low-risk level. Over the past five years, it has shown a Compound Annual Growth Rate (CAGR) of 5.23%. Additionally, the fund manages assets totaling ₹ 47,222.26 crore.

The allocation percentages for different types of investments are as follows: 4.68% in corporate debt, 18.34% in treasury bills, 30.02% in certificates of deposit, and 60.22% in commercial paper.

ICICI Pru Liquid Fund

ICICI Prudential Liquid Fund is a liquid mutual fund scheme provided by ICICI Prudential Mutual Fund. This fund has been operational for 11 years and three months.

The ICICI Pru Liquid Fund imposes an exit load of 0.01% and has an expense ratio of 0.2%. It carries a moderate risk level. Over the past five years, it has demonstrated a Compound Annual Growth Rate (CAGR) of 5.28%. Additionally, the fund manages assets totaling ₹ 35,428.34 crore.

The distribution of shares shows that 0.47% are in corporate debt, 0.78% in government securities, 21.16% in treasury bills, 42.24% in certificates of deposit, and 55.18% in commercial paper.

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SBI Nifty50 Equal Weight Index Fund

The SBI Nifty50 Equal Weight Index Fund imposes an exit load of 0.25% and has an expense ratio of 0.0%. It carries a very high risk level. Additionally, the fund manages assets totaling ₹ 952.31 crore. 100% of funds are invested in equities.  

Bajaj Finserv Large and Mid Cap Fund

The objective is to achieve long-term capital growth by investing in a diverse range of equity and equity-related securities, primarily in large and mid-cap stocks across different sectors. Additionally, the fund manager may explore opportunities in other equity-related securities.

The Bajaj Finserv Large and Mid Cap Fund has an exit load of 1.0% and an expense ratio of 0.0%. It has a very high risk level. Additionally, the fund manages assets totaling ₹ 672.72 crore.  100% of funds are invested in cash and equivalents.  

UTI Nifty 50 Index Fund

The UTI Nifty 50 Index Fund is a large-cap index mutual fund scheme offered by UTI Mutual Fund. This fund has been operational for 11 years and three months.

The UTI Nifty 50 Index Fund imposes no exit load and has an expense ratio of 0.21%. It carries a very high risk level. Despite this, it has shown a robust Compound Annual Growth Rate (CAGR) of 15.21% over the past five years. Additionally, the fund manages assets totaling ₹ 15,648.55 crore. 100% of funds are invested in equities.  

HDFC Index Fund-NIFTY 50 Plan

The HDFC Index Fund Nifty 50 Plan is a large-cap index mutual fund scheme provided by HDFC Mutual Fund. This fund has been operational for 11 years and 3 months.

The HDFC Index Fund-NIFTY 50 Plan imposes an exit load of 0.25% and has an expense ratio of 0.2%. It carries a very high risk level. Despite this, it has demonstrated a strong Compound Annual Growth Rate (CAGR) of 15.12% over the past 5 years. Additionally, the fund manages assets totaling ₹ 12,613.86 crore. 100% of funds are invested in equities.  

ICICI Pru Asset Allocator Fund

The ICICI Prudential Asset Allocator Fund (FOF) is a hybrid fund of funds (FoF) mutual fund scheme offered by ICICI Prudential Mutual Fund. This fund has been operational for 11 years and 3 months.

The ICICI Pru Asset Allocator Fund imposes an exit load of 1.0% and has an expense ratio of 0.1%. It carries a high-risk level. Nonetheless, it has shown strong performance over the past 5 years, with a Compound Annual Growth Rate (CAGR) of 15.1%. Additionally, the fund manages assets totaling ₹ 21,437.42 crore. 100% of funds are invested in mutual funds.  

Tata Money Market Fund

The Tata Money Market Fund is a mutual fund scheme provided by Tata Mutual Fund. This fund has been operational for 11 years and three months.

The Tata Money Market Fund doesn’t have an exit load and has an expense ratio of 0.16%. It carries a moderately low-risk level. Over the past five years, it has demonstrated a Compound Annual Growth Rate (CAGR) of 6.25%. Additionally, the fund manages assets totaling ₹ 14,015.19 crore.

The allocation percentages for different types of investments are as follows: 2.27% in government securities, 14.39% in treasury bills, 36.69% in commercial paper, and 58.66% in certificates of deposit.

UTI Money Market Fund

The UTI Money Market Fund is a mutual fund scheme offered by UTI Mutual Fund. This fund has been operational for 11 years and three months.

The UTI Money Market Fund doesn’t impose an exit load and has an expense ratio of 0.19%. It carries a moderate risk level. Over the past five years, it has shown a Compound Annual Growth Rate (CAGR) of 6.06%. Additionally, the fund manages assets totaling ₹ 13,070.27 crore.

The allocation percentages for different types of investments are as follows: 1.74% in government securities, 14.11% in treasury bills, 27.94% in commercial paper, and 62.96% in certificates of deposit.

What Is Expense Ratio?

The expense ratio measures the operating expenses of a mutual fund, exchange-traded fund (ETF), or other investment vehicle. It is expressed as a percentage of the fund’s average net assets and includes management fees, administrative costs, and other expenses incurred by the fund over a specific period.

Expense Ratio Example

For example, if a mutual fund has total annual expenses of ₹1,500 and the average assets under management (AUM) during the year is ₹100,000, then the expense ratio would be calculated as (₹1,500 / ₹100,000) * 100 = 1.5%. This indicates that 1.5% of the fund’s assets are used to cover expenses.

How To Calculate Expense Ratio In Mutual Fund?

To calculate a mutual fund’s expense ratio, divide the fund’s total annual expenses by its average assets under management (AUM) during the same period. Multiply the result by 100 to express it as a percentage. The formula is Expense Ratio = (Total Annual Expenses / Average AUM) * 100.

Who Should Invest in Lowest Expense Ratio Mutual Funds?

Investors seeking to optimize returns and minimize costs should consider investing in mutual funds with the lowest expense ratios. These funds are desirable for long-term investors aiming to maximize their investment gains, as lower expenses can result in higher net returns over time, especially when compounded.

How to Invest in Lowest Expense Ratio Mutual Funds?

To invest in mutual funds with the lowest expense ratios, start by researching them using financial websites or platforms. Evaluate the fund’s performance, investment strategy, and fees. Once decided, open an account with a brokerage or fund provider, complete the necessary paperwork, and invest in the chosen fund.

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Mutual Funds With Lowest Expense Ratio In India – FAQ

Which Is The Top Mutual Funds With Lowest Expense Ratio In India?

These are the top 5 Mutual Funds With the Lowest Expense Ratio based on 5-year CAGR.

  • Motilal Oswal Nasdaq 100 FOF
  • Franklin India Focused Equity Fund
  • DSP US Flexible Equity Fund
  • ICICI Pru US Bluechip Equity Fund
  • PGIM India Global Equity Opp Fund.

What Is A Good Expense Ratio For A Mutual Fund?

A good expense ratio for a mutual fund is typically below 1%. However, it can vary depending on the fund’s investment strategy, asset class, and management style. Lower expense ratios are generally preferred as they result in higher net returns for investors over the long term.

How To Invest In Lowest Expense Ratio Mutual Funds?

To invest in mutual funds with the lowest expense ratios, research funds with low expenses analyze their performance and investment strategy. Open an account with a brokerage or fund provider, complete the necessary paperwork, and invest in the chosen fund.

Is It Good To Invest In Lowest Expense Ratio Mutual Funds?

Investing in mutual funds with the lowest expense ratios can be beneficial, as they typically result in higher net returns for investors over time. Lower expenses mean investors retain more of the fund’s returns. However, other factors, such as performance and investment strategy, should also be considered before investing.

Is Expense Ratio Charged Every Year?

Although the expense ratio is an annual fee, it is not levied once yearly. Instead, it is discreetly subtracted daily from the fund’s net asset value (NAV).

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Disclaimer: The above article is written for educational purposes, and the companies’ data mentioned in the article may change with respect to time The securities quoted are exemplary and are not recommendatory.

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