NOVELTY - Liquid composition comprises hydrolyzate of tetramethoxysilane or tetraethoxysilane, solvent obtained by mixing solvent (S1) having boiling point of 100 degrees C or more, and solvent (S2) having boiling point less than 100 degrees C, and silica gel obtained by dispersing silica particles in a liquid medium. The total content of silicon dioxide in hydrolyzate and silicon dioxide in silica sol is 0.25-20 %mass. The solvent (S1) is solvent containing water and propylene glycol 1-monomethyl ether, propylene glycol 1-monomethyl ether 2-acetate and ethylene glycol.    USE - Liquid composition is used for forming film e.g. anti-reflective film for solar cell, transparent conductive film and image pick-up element (all claimed). Uses include but are not limited to display panel, optical lens, glass for showcases, sensor and camera module.    ADVANTAGE - The liquid composition provides film having uniform thickness and excellent transparency, and low refractive index.    DETAILED DESCRIPTION - Liquid composition comprises hydrolyzate of tetramethoxysilane or tetraethoxysilane, solvent obtained by mixing solvent (S1) having boiling point of 100 degrees C or more, and solvent (S2) having boiling point less than 100 degrees C, and silica gel obtained by dispersing silica particles in a liquid medium. The total content of silicon dioxide in hydrolyzate and silicon dioxide in silica sol is 0.25-20 %mass. The solvent (S1) is solvent containing water and propylene glycol 1-monomethyl ether, propylene glycol 1-monomethyl ether 2-acetate and ethylene glycol, and the content of solvent (S1) is 80 %mass or more, and the solvent (S2) is solvent containing methanol or ethanol, and the content of solvent (S2) is 20 %mass or less, with respect to 100 %mass film-forming liquid. The dielectric constant of liquid component in composition is 12-25. The absolute value of zeta potential of silica particles is 10-25 mV. The content of water is 12 %mass or less and the total content of methanol and ethanol is 17 %mass or less, with respect to 100 %mass film-forming liquid.