Should I invest in IDFC Liquid Fund - Monthly Dividend?

We don't give personal investment advice. IDFC Liquid Fund - Monthly Dividend is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding.

IDFC

IDFC Liquid Fund - Monthly Dividend

Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.02%	-3.56%	+3.58	8 / 84	Q1
1W	+0.18%	-3.52%	+3.70	5 / 84	Q1
2W	-0.35%	-3.50%	+3.15	79 / 84	Q4
1M	+0.02%	-6.74%	+6.76	44 / 87	Q3
3M	-0.01%	-6.22%	+6.21	70 / 86	Q4
6M	-0.04%	-6.43%	+6.39	64 / 84	Q4
YTD	+0.20%	-6.15%	+6.35	33 / 85	Q2
1Y	+0.61%	-5.38%	+5.99	32 / 84	Q2
2Y	+0.33%	-6.52%	+6.85	38 / 86	Q2
3Y	+0.31%	-6.38%	+6.69	39 / 85	Q2
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.31%	-6.05%	+6.36	43 / 88	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2011 YTD	+0.20%	-4.13%	+4.33	31 / 67
2010	+0.51%	-2.87%	+3.38	27 / 68
2009	+0.30%	-0.61%	+0.91	24 / 63
2008	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+0.34%

29 windows

min 0.0% · max 0.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+0.30%

5 windows

min 0.3% · max 0.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

0.31%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.78%

Mar 2011 → Mar 2011

% positive months

61.1%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Recent NAVs

Date	NAV
6 Oct 2011	₹1,010.7516
5 Oct 2011	₹1,010.5038
4 Oct 2011	₹1,010.2560
3 Oct 2011	₹1,010.0018
2 Oct 2011	₹1,009.7503
1 Oct 2011	₹1,009.4921
30 Sep 2011	₹1,009.2340
29 Sep 2011	₹1,008.9794
28 Sep 2011	₹1,008.7250
27 Sep 2011	₹1,015.6398

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

IDFC Liquid Fund - Monthly Dividend is a Liquid from IDFC (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

IDFC Liquid Fund - Monthly Dividend has NAV history starting from 31 May 2008, a track record of about 18 years. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

IDFC Liquid Fund - Monthly Dividend is managed by IDFC. It's classified by AMFI under the 'Liquid' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, IDFC Liquid Fund - Monthly Dividend has delivered a absolute return of 0.61% — +5.99 pp ahead of the Liquid category average of -5.38%. The fund ranks #32 of 84 in its category — the second (Q2) quartile.

Over the trailing 3-year window, IDFC Liquid Fund - Monthly Dividend has delivered a CAGR of 0.31% — +6.69 pp ahead of the Liquid category average of -6.38%. The fund ranks #39 of 85 in its category — the second (Q2) quartile.

IDFC Liquid Fund - Monthly Dividend doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in IDFC Liquid Fund - Monthly Dividend exactly 3 years ago would be worth approximately ₹100,928 today — a multiplier of 1.01×, based on the 3-year CAGR of 0.31%. The category average over the same window would have grown ₹1 lakh to ₹82,055.

A ₹10,000 monthly SIP in IDFC Liquid Fund - Monthly Dividend over the last 3 years — total invested ₹360,000 — would be worth ₹361,939 today. That's an XIRR (money-weighted annualised return) of 0.35%.

IDFC Liquid Fund - Monthly Dividend doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹361,939 — XIRR 0.35%.

On a 3-year basis, IDFC Liquid Fund - Monthly Dividend ranks #39 out of 85 funds in the Liquid category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -6.38%; this fund delivered 0.31%.

The worst peak-to-trough decline IDFC Liquid Fund - Monthly Dividend has experienced over the last 3-year window is 0.78% — its NAV fell from a high on 29 Mar 2011 to a low on 30 Mar 2011. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, IDFC Liquid Fund - Monthly Dividend averaged 0.30% (best 0.31%, worst 0.29%). 100% of rolling windows ended positive.

In calendar year 2010, IDFC Liquid Fund - Monthly Dividend returned 0.51% — beating the Liquid category average of -2.87% by 3.38 pp. It ranked #27 of 68 in its category that year.

IDFC Liquid Fund - Monthly Dividend is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. IDFC Liquid Fund - Monthly Dividend is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.