What is a Liquid Fund Calculator?

A Liquid Fund Calculator helps you compare returns from parking idle money in a savings account (~2.5%) vs a liquid mutual fund (~6.84%).

What is HDFC Instant Access Facility?

Instant Access Facility (IAF) allows HDFC Liquid Fund investors to redeem money instantly, 24x7 via IMPS, up to ₹50,000 per day or 90% of balance.

Is money parked in liquid funds taxable?

Yes. Interest or gains from liquid funds are taxable as per your income tax slab under the new regime. However, income up to ₹12 lakh is tax-free.

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Liquid Fund vs Savings Account Calculator

Use this free calculator to compare how much more you can earn by parking your idle money in a Liquid Fund (~6.84%) instead of a Savings Account (~2.5%).

Monthly Surplus (₹) Idle Parking Period (Years) Annual Income (₹)

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Instant Access Facility (IAF)

With Liquid Fund Instant Access Facility, you can encash your investments instantly. The redeemed amount is credited to your bank account 24x7 via IMPS, even on holidays.

✅ Minimum redemption: ₹5,000
✅ Maximum per day: ₹50,000 or 90% of balance (whichever is lower)
✅ Available only under HDFC Liquid Fund (Growth option)
✅ Applicable for resident individuals with CBS-linked IMPS-enabled bank accounts
✅ Processed instantly before other redemption requests

Why keep idle money in savings at ~2.5%?
Park it in HDFC Liquid Fund and enjoy higher returns with instant liquidity.

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Disclaimer

Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Returns are indicative and subject to change. Tax calculation is based on FY 2025-26 slabs under the new regime.