Park cash

Where do I keep money for days or weeks?

Returns in this group cluster within ~0.5 percentage points, so ranking by return is noise. Ranked on cost and liquidity instead.

193 funds in this group. Showing the top 100 by expense ratio — pick a sub-category below for the complete list.

Top 100 funds, ranked by expense ratio

#	Fund	Category
1	BANDHAN LIQUID Fund -Direct Plan-GrowthSilver	Liquid Fund	0.07%	+6.45%	+6.88%	₹15,800 Cr
2	Union Liquid Fund - Direct Plan - Growth OptionGold	Liquid Fund	0.07%	+6.44%	+5.97%	₹7,564 Cr
3	Franklin India Overnight Fund- Growth - Direct	Overnight Fund	0.07%	+5.40%	+5.37%	₹926 Cr
4	Baroda BNP Paribas Overnight Fund - Direct Plan - GrowthSilver	Overnight Fund	0.07%	+5.36%	+5.49%	₹557 Cr
5	BANDHAN Overnight Fund - Direct Plan - GrowthBronze	Overnight Fund	0.07%	+5.34%	+5.28%	₹1,260 Cr
6	HSBC Overnight Fund - Direct GrowthSilver	Overnight Fund	0.07%	+5.34%	+5.54%	₹4,766 Cr
7	Bajaj Finserv Liquid Fund - Direct Plan - GrowthSilver	Liquid Fund	0.08%	+6.45%	—	₹8,322 Cr
8	CANARA ROBECO LIQUID FUND - DIRECT PLAN - GROWTH OPTIONSilver	Liquid Fund	0.08%	+6.41%	+6.99%	₹6,792 Cr
9	Invesco India Overnight Fund - Direct Plan - GrowthGold	Overnight Fund	0.08%	+5.34%	+5.86%	₹591 Cr
10	Sundaram Overnight Fund Direct Plan - Growth	Overnight Fund	0.08%	+5.30%	+5.35%	₹1,896 Cr
11	CANARA ROBECO OVERNIGHT FUND - DIRECT PLAN - GROWTH OPTION	Overnight Fund	0.08%	+5.26%	+5.57%	₹444 Cr
12	NJ Overnight Fund - Direct Plan - Growth OptionBronze	Overnight Fund	0.08%	+5.24%	+6.31%	₹360 Cr
13	BANK OF INDIA Liquid Fund- Direct Plan- GrowthPlatinum	Liquid Fund	0.09%	+6.42%	+7.02%	₹1,728 Cr
14	Mirae Asset Liquid Fund - Direct Plan - GrowthSilver	Liquid Fund	0.09%	+6.38%	+6.94%	₹10,973 Cr
15	Axis Overnight Fund - Direct Plan - Growth OptionPlatinum	Overnight Fund	0.09%	+5.37%	+5.39%	₹10,178 Cr
16	Tata Overnight Fund-Direct Plan-GrowthGold	Overnight Fund	0.09%	+5.37%	+5.37%	₹5,278 Cr
17	Kotak Overnight Fund -Direct Plan-Growth OptionPlatinum	Overnight Fund	0.09%	+5.35%	+5.29%	₹8,818 Cr
18	Mirae Asset Overnight Fund Direct Plan GrowthSilver	Overnight Fund	0.09%	+5.35%	+5.82%	₹1,130 Cr
19	ICICI Prudential Overnight Fund - Direct Plan - Growth	Overnight Fund	0.09%	+5.34%	+6.36%	₹13,144 Cr
20	ADITYA BIRLA SUN LIFE OVERNIGHT FUND-DIRECT PLAN-GROWTHSilver	Overnight Fund	0.09%	+5.33%	+5.14%	₹9,747 Cr
21	LIC MF Overnight Fund-Direct Plan-Growth	Overnight Fund	0.09%	+5.33%	+5.63%	₹940 Cr
22	UTI - Overnight Fund - Direct Plan - Growth Option	Overnight Fund	0.09%	+5.33%	+4.93%	₹5,089 Cr
23	SBI OVERNIGHT FUND - DIRECT PLAN - GROWTHSilver	Overnight Fund	0.09%	+5.30%	+6.12%	₹26,839 Cr
24	JioBlackRock Liquid Fund - Direct Plan - Growth Option	Liquid Fund	0.10%	+6.50%	—	₹6,879 Cr
25	Edelweiss Liquid Fund - Direct Plan - Growth OptionSilver	Liquid Fund	0.10%	+6.48%	+5.84%	₹13,796 Cr
26	TRUSTMF Liquid Fund-Direct Plan-GrowthBronze	Liquid Fund	0.10%	+6.38%	+6.91%	₹1,130 Cr
27	Parag Parikh Liquid Fund- Direct Plan- Growth	Liquid Fund	0.10%	+6.37%	+5.11%	₹5,575 Cr
28	Nippon India Overnight Fund - Direct Plan - Growth OptionSilver	Overnight Fund	0.10%	+5.35%	+5.23%	₹8,376 Cr
29	Mahindra Manulife Overnight Fund - Direct Plan -Growth	Overnight Fund	0.10%	+5.29%	+5.52%	₹281 Cr
30	Bandhan Money Market Fund -Direct Plan-GrowthPlatinum	Money Market Fund	0.10%	+6.54%	+7.06%	₹14,466 Cr
31	PGIM India Liquid Fund - Direct Plan - GrowthSilver	Liquid Fund	0.11%	+6.48%	+6.22%	₹787 Cr
32	Groww Liquid Fund ( formerly known as Indiabulls Liquid )Fund - Direct Plan - Growth OptionSilver	Liquid Fund	0.11%	+6.46%	+6.96%	₹323 Cr
33	DSP Overnight Fund - Direct Plan - GrowthBronze	Overnight Fund	0.11%	+5.35%	+5.30%	₹3,601 Cr
34	Edelweiss Overnight Fund - Direct Plan - Growth	Overnight Fund	0.11%	+5.30%	+5.60%	₹120 Cr
35	HDFC Overnight Fund - Growth Option - Direct Plan	Overnight Fund	0.11%	+5.29%	+5.51%	₹11,145 Cr
36	Edelweiss Money Market Fund - Direct Plan - Growth OptionBronze	Money Market Fund	0.11%	+6.44%	+7.26%	₹2,326 Cr
37	Mirae Asset Money Market Fund Direct Growth	Money Market Fund	0.11%	+6.35%	+7.38%	₹3,814 Cr
38	DSP Liquidity Fund - Direct Plan - GrowthGold	Liquid Fund	0.12%	+6.50%	+6.98%	₹22,962 Cr
39	Bajaj Finserv Overnight Fund - Direct Plan - Growth	Overnight Fund	0.12%	+5.39%	—	₹677 Cr
40	JioBlackRock Overnight Fund - Direct Plan - Growth Option	Overnight Fund	0.12%	+5.33%	—	₹635 Cr
41	Axis Liquid Fund - Direct Plan - Growth OptionPlatinum	Liquid Fund	0.13%	+6.53%	+7.03%	₹56,438 Cr
42	LIC MF Liquid Fund-Direct Plan-GrowthSilver	Liquid Fund	0.13%	+6.44%	+6.95%	₹13,416 Cr
43	HSBC Liquid Fund - Growth DirectGold	Liquid Fund	0.13%	+6.42%	+6.98%	₹20,047 Cr
44	360 ONE Overnight Fund - Direct Plan - Growth	Overnight Fund	0.13%	+5.39%	—	₹254 Cr
45	Bajaj Finserv Money Market Fund-Direct Plan-GrowthSilver	Money Market Fund	0.13%	+6.45%	—	₹4,478 Cr
46	Sundaram Liquid Fund (Formerly Known as Principal Cash Management Fund) - Direct Plan - Growth OptionBronze	Liquid Fund	0.14%	+6.54%	+7.03%	₹6,365 Cr
47	Franklin India Liquid Fund - Super Institutional - Direct - GrowthGold	Liquid Fund	0.14%	+6.49%	+7.00%	₹2,915 Cr
48	Baroda BNP Paribas LIQUID FUND - DIRECT PLAN - GROWTH OPTIONSilver	Liquid Fund	0.14%	+6.41%	+6.96%	₹12,206 Cr
49	WhiteOak Capital Liquid Fund- Direct plan-Growth OptionBronze	Liquid Fund	0.14%	+6.31%	+5.42%	₹672 Cr
50	Union Overnight Fund - Direct Plan - Growth OptionBronze	Overnight Fund	0.14%	+5.31%	+5.49%	₹613 Cr
51	Franklin India Money Market Fund - Direct - GrowthBronze	Money Market Fund	0.14%	+6.42%	+7.59%	₹4,205 Cr
52	Invesco India Liquid Fund - Direct Plan - GrowthGold	Liquid Fund	0.15%	+6.44%	+6.95%	₹20,723 Cr
53	Mahindra Manulife Liquid Fund - Direct Plan -GrowthSilver	Liquid Fund	0.15%	+6.43%	+6.11%	₹1,280 Cr
54	Shriram Liquid Fund - Direct Plan Growth Option	Liquid Fund	0.16%	+6.27%	—	₹205 Cr
55	Quantum Liquid Fund - Direct Plan Growth Option	Liquid Fund	0.16%	+5.86%	+6.67%	₹537 Cr
56	Axis Money Market Fund - Direct Plan - Growth OptionGold	Money Market Fund	0.16%	+6.50%	+6.27%	₹19,875 Cr
57	Kotak Money Market Fund - (Growth) - DirectGold	Money Market Fund	0.16%	+6.47%	+7.42%	₹30,297 Cr
58	HSBC Money Market Fund - Direct GrowthSilver	Money Market Fund	0.16%	+6.38%	+7.37%	₹7,032 Cr
59	JioBlackRock Money Market Fund - Direct Plan - Growth Option	Money Market Fund	0.16%	+6.38%	—	₹3,207 Cr
60	Invesco India Money Market Fund - Direct Plan - Growth	Money Market Fund	0.16%	+6.36%	+7.30%	₹6,342 Cr
61	TRUSTMF MONEY MARKET FUND-DIRECT PLAN-GROWTHBronze	Money Market Fund	0.16%	+6.35%	+7.27%	₹145 Cr
62	Helios Overnight Fund - Direct Plan - Growth OptionBronze	Overnight Fund	0.17%	+5.15%	—	₹271 Cr
63	LIC MF Money Market Fund-Direct Plan-GrowthSilver	Money Market Fund	0.17%	+6.57%	+6.75%	₹3,806 Cr
64	Baroda BNP Paribas Money Market Fund- Direct Plan - Growth	Money Market Fund	0.17%	+6.45%	+5.71%	₹3,494 Cr
65	PGIM India Money Market Fund - Direct Plan - Growth Option	Money Market Fund	0.17%	+6.27%	+6.55%	₹126 Cr
66	Union Money Market Fund - Direct Plan - Growth OptionBronze	Money Market Fund	0.18%	+6.66%	+7.16%	₹1,073 Cr
67	Bank of India Money Market Fund - Direct - GrowthBronze	Money Market Fund	0.18%	+6.56%	—	₹472 Cr
68	Tata Money Market Fund- Direct Plan- Growth OptionGold	Money Market Fund	0.18%	+6.54%	+6.61%	₹34,138 Cr
69	DSP Savings Fund - Direct Plan - GrowthBronze	Money Market Fund	0.18%	+6.50%	+6.91%	₹8,704 Cr
70	HSBC Ultra Short Duration Fund - Direct GrowthBronze	Ultra Short Duration Fund	0.18%	+6.48%	+6.39%	₹3,322 Cr
71	Kotak Liquid Fund - Direct Plan - GrowthPlatinum	Liquid Fund	0.19%	+6.45%	+6.87%	₹51,309 Cr
72	Nippon India Liquid Fund - Direct Plan Growth Plan - Growth OptionPlatinum	Liquid Fund	0.20%	+6.49%	+6.99%	₹41,346 Cr
73	ICICI Prudential Liquid Fund - Direct Plan - GrowthGold	Liquid Fund	0.20%	+6.43%	+6.94%	₹61,558 Cr
74	SBI Liquid Fund - DIRECT PLAN -GrowthSilver	Liquid Fund	0.20%	+6.43%	+6.92%	₹71,448 Cr
75	HDFC Liquid Fund - Growth Option - Direct PlanBronze	Liquid Fund	0.20%	+6.42%	+6.25%	₹65,870 Cr
76	Motilal Oswal Liquid Fund - Direct Growth	Liquid Fund	0.20%	+6.07%	+5.10%	₹930 Cr
77	PGIM India Overnight Fund - Direct Plan - Growth Option	Overnight Fund	0.20%	+5.20%	+5.71%	₹167 Cr
78	Sundaram Money Market Fund Direct Plan - Growth	Money Market Fund	0.20%	+6.39%	+5.63%	₹1,240 Cr
79	Aditya Birla Sun Life Liquid Fund - Growth - Direct PlanPlatinum	Liquid Fund	0.21%	+6.53%	+7.01%	₹68,800 Cr
80	ICICI Prudential Money Market Fund Option - Direct Plan - GrowthGold	Money Market Fund	0.21%	+6.40%	+7.44%	₹34,627 Cr
81	ITI Ultra Short Term Fund - Direct Plan - Growth OptionBronze	Ultra Short Duration Fund	0.21%	+6.46%	+7.08%	₹163 Cr
82	CANARA ROBECO SAVINGS FUND - DIRECT PLAN - GROWTH OPTIONBronze	Low Duration Fund	0.21%	+6.27%	+7.41%	₹1,086 Cr
83	HDFC Money Market Fund - Growth Option - Direct PlanBronze	Money Market Fund	0.22%	+6.45%	+7.19%	₹31,371 Cr
84	Aditya Birla Sun Life Money Manager Fund - Growth - Direct PlanSilver	Money Market Fund	0.22%	+6.44%	+7.56%	₹30,160 Cr
85	Nippon India Money Market Fund - Direct Plan Growth Plan - Growth OptionSilver	Money Market Fund	0.22%	+6.42%	+7.48%	₹23,227 Cr
86	Mirae Asset Low Duration Fund - Direct Plan - GrowthGold	Low Duration Fund	0.22%	+6.52%	+7.01%	₹2,085 Cr
87	Tata Liquid Fund- Direct Plan-Growth OptionBronze	Liquid Fund	0.23%	+6.46%	+6.82%	₹27,603 Cr
88	Mirae Asset Ultra Short Duration Fund Direct GrowthSilver	Ultra Short Duration Fund	0.23%	+6.70%	+6.91%	₹1,467 Cr
89	Sundaram Ultra Short Duration Fund (Formerly Known as Principal Ultra Short Term Fund)- Direct Plan -Growth OptionBronze	Ultra Short Duration Fund	0.23%	+6.47%	+7.35%	₹1,972 Cr
90	LIC MF Low Duration Fund-Direct Plan-GrowthSilver	Low Duration Fund	0.24%	+6.45%	+6.53%	₹1,706 Cr
91	LIC MF Ultra Short Duration Fund-Direct Plan-GrowthSilver	Ultra Short Duration Fund	0.25%	+6.63%	+5.77%	₹441 Cr
92	Motilal Oswal Ultra Short Term Fund (MOFUSTF) -Direct Plan- Growth	Ultra Short Duration Fund	0.25%	+6.28%	+4.39%	₹378 Cr
93	Edelweiss Low Duration Fund - Direct Plan GrowthBronze	Low Duration Fund	0.25%	+6.31%	—	₹509 Cr
94	SBI SAVINGS FUND - DIRECT PLAN - GROWTHPlatinum	Money Market Fund	0.26%	+6.32%	+7.57%	₹33,005 Cr
95	Invesco India Ultra Short Duration Fund - Direct Plan - GrowthSilver	Ultra Short Duration Fund	0.27%	+6.65%	+7.39%	₹1,073 Cr
96	Tata Treasury Advantage Fund - Direct Plan - Growth OptionBronze	Low Duration Fund	0.27%	+6.39%	+6.13%	₹2,240 Cr
97	Baroda BNP Paribas Ultra Short Duration Fund- Direct Plan- GrowthSilver	Ultra Short Duration Fund	0.29%	+6.51%	+5.96%	₹649 Cr
98	Franklin India Ultra Short Duration Fund - Direct - GrowthBronze	Ultra Short Duration Fund	0.29%	+6.50%	—	₹289 Cr
99	BARODA BNP PARIBAS LOW DURATION Fund - Direct Plan - Growth OptionSilver	Low Duration Fund	0.29%	+6.44%	+7.58%	₹391 Cr
100	DSP Ultra Short Fund - Direct Plan - GrowthGold	Ultra Short Duration Fund	0.30%	+6.65%	+6.94%	₹4,456 Cr

Badges are our own quality tiers — Platinum (top 10%), Gold (25%), Silver (50%), Bronze (75%) — scored within each sub-category, so they compare a fund with its peers and not with funds of a different type. “3Y typical” is the median annualised return across every 3-year holding period the fund has lived through, not a single 3-year figure; “3Y loss odds” is the share of those periods that ended down. “Beat peers” is the share in which it beat its category's median, and “worst fall” is its deepest peak-to-trough drop. Open a fund for the full distribution. Click any numeric column to re-sort; funds with no value for that column sort last. Returns over 1 year are annualised (CAGR). Past performance does not indicate future returns. Eligibility: Direct, Growth only, minimum AUM ₹100 Cr, at least 1 year(s) old, short-duration categories included. Past performance. Returns for 3y/5y are annualised (CAGR) and are withheld where the NAV series does not support the period.

Park cash — FAQs

Which fund type suits money I need in a few weeks?

Overnight and liquid funds are designed for very short horizons and hold instruments maturing in 1–91 days. Ultra-short, low-duration and money-market funds sit slightly further out. The trade-off is small: these categories differ far more in cost than in return.

Why are these funds ranked on expense ratio rather than returns?

Returns across this group cluster within roughly half a percentage point, so ordering by return mostly surfaces whichever fund caught a rate movement — noise, not skill. Expense ratio is the most consistent differentiator, because it is deducted from a return the whole category shares.

How quickly can I get my money back?

Overnight and liquid funds typically settle in one business day, and liquid funds offer an instant-redemption facility subject to limits. Check each scheme’s exit load: liquid funds carry a small graded load if redeemed within seven days.

Are these safer than a savings account?

They are not guaranteed. They invest in short-maturity debt, so they carry limited interest-rate and credit risk rather than none. Historically they have been low-volatility, but a credit event in an underlying holding can still affect NAV.