Should I invest in ING Liquid Fund-Institutional Growth Option?

We don't give personal investment advice. ING Liquid Fund-Institutional Growth Option 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. Worst 5-year drawdown: 0.3%. 5-year CAGR: 7.94%.

ING

ING Liquid Fund-Institutional Growth Option

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%	+0.34%	-0.32	21 / 110	Q1
1W	+0.17%	+0.31%	-0.13	3 / 107	Q1
2W	+0.31%	+0.36%	-0.06	12 / 106	Q1
1M	+0.67%	+0.37%	+0.29	8 / 106	Q1
3M	+2.01%	+0.70%	+1.31	9 / 105	Q1
6M	+4.10%	-0.73%	+4.83	9 / 105	Q1
YTD	+6.63%	-1.59%	+8.22	6 / 102	Q1
1Y	+8.86%	-0.61%	+9.47	6 / 100	Q1
2Y	+8.77%	-0.86%	+9.63	6 / 96	Q1
3Y	+8.97%	-1.06%	+10.03	4 / 89	Q1
4Y	+8.79%	-1.39%	+10.17	5 / 86	Q1
5Y	+7.94%	+0.08%	+7.85	10 / 76	Q1
7Y	+7.84%	-1.37%	+9.21	7 / 53	Q1
10Y	—	—	—	—	—
Inception	+7.76%	-1.26%	+9.02	7 / 110	Q1

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
2014 YTD	+6.63%	+2.71%	+3.92	14 / 47
2013	+8.90%	+0.78%	+8.12	9 / 64
2012	+9.19%	+155.04%	-145.85	11 / 65
2011	+8.62%	-0.45%	+9.07	12 / 67
2010	+5.35%	-1.24%	+6.59	7 / 73
2009	+5.04%	+0.17%	+4.87	12 / 75
2008	+9.15%	+2.60%	+6.55	5 / 61
2007	+7.94%	+0.04%	+7.91	6 / 48
2006	—	—	—	—

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

+7.77%

92 windows

min 4.1% · max 9.5%

100% positive

3-Year rolling

+7.51%

68 windows

min 6.3% · max 9.0%

100% positive

5-Year rolling

+7.39%

44 windows

min 6.9% · max 7.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+7.71%

19 windows

min 7.5% · max 7.8%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

0.37%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.34%

Jul 2013 → Jul 2013

% positive months

100.0%

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
9 Oct 2014	₹20.7771
8 Oct 2014	₹20.7725
7 Oct 2014	₹20.7680
6 Oct 2014	₹20.7635
1 Oct 2014	₹20.7409
30 Sep 2014	₹20.7366
29 Sep 2014	₹20.7321
28 Sep 2014	₹20.7275
26 Sep 2014	₹20.7182
25 Sep 2014	₹20.7135

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.

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

ING Liquid Fund-Institutional Growth Option has NAV history starting from 01 Apr 2006, a track record of about 20 years 2 months. 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.

ING Liquid Fund-Institutional Growth Option is managed by ING. It's classified by AMFI under the 'Liquid' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ING Liquid Fund-Institutional Growth Option has delivered a absolute return of 8.86% — +9.47 pp ahead of the Liquid category average of -0.61%. The fund ranks #6 of 100 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ING Liquid Fund-Institutional Growth Option has delivered a CAGR of 8.97% — +10.03 pp ahead of the Liquid category average of -1.06%. The fund ranks #4 of 89 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ING Liquid Fund-Institutional Growth Option has delivered a CAGR of 7.94% — +7.85 pp ahead of the Liquid category average of 0.08%. The fund ranks #10 of 76 in its category — the top (Q1) quartile.

₹1 lakh invested in ING Liquid Fund-Institutional Growth Option exactly 5 years ago would be worth approximately ₹146,506 today — a multiplier of 1.47×, based on the 5-year CAGR of 7.94%. The category average over the same window would have grown ₹1 lakh to ₹100,422.

A ₹10,000 monthly SIP in ING Liquid Fund-Institutional Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹746,550 today. That's an XIRR (money-weighted annualised return) of 8.67%.

ING Liquid Fund-Institutional Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,123,602 — XIRR 8.17%.

On a 5-year basis, ING Liquid Fund-Institutional Growth Option ranks #10 out of 76 funds in the Liquid category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 0.08%; this fund delivered 7.94%.

The worst peak-to-trough decline ING Liquid Fund-Institutional Growth Option has experienced over the last 5-year window is 0.34% — its NAV fell from a high on 15 Jul 2013 to a low on 16 Jul 2013. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, ING Liquid Fund-Institutional Growth Option averaged 7.39% (best 7.94%, worst 6.94%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 2.07 — strong risk-adjusted performance.

In calendar year 2013, ING Liquid Fund-Institutional Growth Option returned 8.90% — beating the Liquid category average of 0.78% by 8.12 pp. It ranked #9 of 64 in its category that year.

ING Liquid Fund-Institutional Growth Option 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. ING Liquid Fund-Institutional Growth Option 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. Worst 5-year drawdown: 0.3%. 5-year CAGR: 7.94%.

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