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5 Easy Steps To Buy Quality Liquid Funds Online

This blog will tell you how you can invest in the best liquid funds in Indian in 5 easy steps using the Cube Wealth App. Learn how you can get curated liquid fund recommendations with returns of up to 4-6%. Find out how Cube ATM, Cube’s latest feature, lets you withdraw your liquid fund instantly.
February 11, 2021

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A liquid fund is a type of debt fund that invests in short term debt and money market instruments like Commercial Paper, Treasury bills, Corporate Bonds, etc. 

Liquid funds have been known to generate better returns than the average bank account or Fixed Deposit and offer higher liquidity at the same time. 

In this story, we will tell you how you can invest in top liquid funds in India for 2021 using Cube Wealth.

How To Buy Top Liquid Funds In 5 Easy Steps

Step #1. Download Cube Wealth

The Cube Wealth app is built to make wealth creation simple and give you access to quality investment advice. Expert advice isn’t available or affordable for everyone. Cube Wealth has changed  Things by giving regular investors access to advice from expert financial advisors.  This was done by partnering with Wealth First a market-beating advisory that usually caters only to the ultra-rich. 

In addition, Cube doesn’t confuse you with jargon and financial graphs. The Cube Wealth app: 

  1. Keeps language clear and straightforward
  2. Shows you all your investments in one simple view

Moreover, the app is transparent and you can easily see every detail that matters. Cube Wealth simplifies wealth creation by giving you access to: 

  • Perfect portfolio builder
  • A detailed risk analysis test
  • Curated mutual fund recommendations
  • QuickSIP
  • SuperSIP

Cube even goes one step further! There’s a team of Cube Wealth Coaches that you can talk to for all your liquid fund related queries via live chat. 

Download the Cube Wealth app to get started  

Step #2. Complete Your KYC

The KYC process on Cube Wealth is straightforward. For starters, it is paperless and online which means that you can complete the KYC process from the comfort of your home. 

Furthermore, the KYC process broadly requires the following documents:

  • Residential Proof
  • PAN card
  • Photo
  • Signature 

Download the Cube Wealth app to know about the complete KYC process.

Step #3. Take The Risk Analysis Quiz

Once you’ve completed the KYC process, the next step would be to understand your risk level. This is crucial to investing in liquid funds and in general, mutual funds, that can work for you. 

Cube Wealth’s risk quiz consists of a series of honest questions whose answers can help you know which investor category you fall under:

  • Aggressive
  • Moderately Aggressive
  • Moderate
  • Moderately Conservative
  • Conservative

The risk analysis quiz will lead you to your curated list of top quality liquid funds.

Download the Cube Wealth app to take the detailed risk analysis quiz

Step #4. Get Curated Liquid Fund Recommendations

This is the best part! After you’ve taken the risk analysis quiz, the Cube Wealth app gives you access to a curated list of liquid mutual funds based on your risk profile and investment goals. 

These best mutual funds are curated by Wealth First who analyze 12+ complex qualitative and quantitative factors to determine the quality of every mutual fund so that you don't have to worry about research. 

You can invest in the top liquid funds curated for you using two methods:

  1. One-time (Lump sum)
  2. Systematic Investment Plan (SIP)

QuickSIP can help you start a SIP with ease. Both the risk analysis quiz and QuickSIP fall under Cube Wealth’s perfect portfolio builder. 

The perfect portfolio builder helps you distribute your risk and create a bucket of funds for:

  1. Emergency
  2. Protection
  3. Short-term
  4. Medium-term
  5. Long-term 

Overall, the perfect portfolio builder will allow you to allocate funds such that you can maximize your profits and minimize your risk. 

Download the Cube Wealth app to know more. 

Step #5. Tap On Invest

Simply tap on “Invest” to buy units of the liquid fund curated for you. The payment methods are simple and include:

  • Internet banking
  • UPI

After the payment is executed, it may take 3-5 business days for the fund house to process your investment. Once processed, your liquid funds will show up under the “Liquid” tab of your portfolio.  

Download the Cube Wealth app to invest in the best liquid funds

Hey… Did you know about Cube Wealth’s latest feature?

Cube ATM allows you to instantly redeem up to ₹50,000 or 90% of your money invested in Nippon India Liquid Fund. 

Best Liquid Funds Currently Being Recommended On Cube Wealth

Liquid Fund Name

3-year Returns

5-year Returns

Nippon India Liquid Fund



Axis Liquid Fund



SBI Liquid Fund



HDFC Liquid Fund



Invesco India Liquid Fund



Note: Facts & figures mentioned above are as of 10-02-2021. While we update our blogs regularly, download the Cube Wealth app for the latest information. 

Benefits Of Liquid Funds

1. Better Returns

Liquid funds have been known to generate predictable returns of 4-7% which is better than bank FDs. 

Read all about liquid funds here

2. High Liquidity

Most liquid funds offer redemption within 3 business days while some liquid funds give you access to “insta redemption”, a feature that allows redemption within 24 hours. 

However, Cube ATM gives you instant access to the capital from your Nippon Indian Liquid Fund investment on Cube Wealth. Download the Cube Wealth app to know more. 

3. Relatively Safe

Liquid funds may offer better stability than other mutual funds because of their short portfolio maturity (60-91 days). However, it’s important to speak to a Cube Wealth Coach before investing in any mutual fund. 

Watch this video to know how handpicked mutual funds work on the Cube Wealth app

Priya Bansal
Curious about personal finance and all things money. Can either find me reading a book or dancing to a tune.

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