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

We don't give personal investment advice. ING Liquid Fund-Regular 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: 7.60%.

ING

ING Liquid Fund-Regular 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%	+0.01%	+0.01	7 / 34	Q1
1W	+0.16%	+0.04%	+0.12	1 / 33	Q1
2W	+0.29%	+0.09%	+0.20	5 / 33	Q1
1M	+0.63%	+0.18%	+0.44	1 / 34	Q1
3M	+1.88%	+0.07%	+1.81	1 / 34	Q1
6M	+3.84%	+0.79%	+3.05	2 / 34	Q1
YTD	+6.22%	+1.47%	+4.76	2 / 32	Q1
1Y	+8.32%	+2.17%	+6.14	1 / 32	Q1
2Y	+8.23%	+3.02%	+5.21	1 / 27	Q1
3Y	+8.53%	+3.56%	+4.97	1 / 17	Q1
4Y	+8.43%	+3.15%	+5.28	1 / 17	Q1
5Y	+7.60%	+2.55%	+5.05	3 / 16	Q1
7Y	+7.50%	+2.77%	+4.73	2 / 9	Q1
10Y	—	—	—	—	—
Inception	+7.42%	+1.85%	+5.57	2 / 34	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	+6.22%	+3.32%	+2.91	4 / 9
2013	+8.36%	+2.41%	+5.94	2 / 13
2012	+8.84%	+4.24%	+4.60	3 / 16
2011	+8.51%	+2.94%	+5.57	2 / 16
2010	+5.16%	+1.87%	+3.29	3 / 26
2009	+4.78%	+1.35%	+3.43	3 / 31
2008	+8.72%	+2.27%	+6.46	2 / 25
2007	+7.55%	+2.44%	+5.10	2 / 12
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

+7.44%

92 windows

min 3.8% · max 9.3%

100% positive

3-Year rolling

+7.22%

68 windows

min 6.2% · max 8.6%

100% positive

5-Year rolling

+7.11%

44 windows

min 6.6% · max 7.6%

100% positive

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

7-Year rolling

+7.39%

19 windows

min 7.2% · max 7.5%

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

0.39%

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	₹27.3390
8 Oct 2014	₹27.3333
7 Oct 2014	₹27.3278
6 Oct 2014	₹27.3223
1 Oct 2014	₹27.2944
30 Sep 2014	₹27.2891
29 Sep 2014	₹27.2835
28 Sep 2014	₹27.2778
26 Sep 2014	₹27.2664
25 Sep 2014	₹27.2606

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-Regular Growth Option is a Liquid from ING (Regular 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-Regular 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-Regular 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-Regular Growth Option has delivered a absolute return of 8.32% — +6.14 pp ahead of the Liquid category average of 2.17%. The fund ranks #1 of 32 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ING Liquid Fund-Regular Growth Option has delivered a CAGR of 8.53% — +4.97 pp ahead of the Liquid category average of 3.56%. The fund ranks #1 of 17 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ING Liquid Fund-Regular Growth Option has delivered a CAGR of 7.60% — +5.05 pp ahead of the Liquid category average of 2.55%. The fund ranks #3 of 16 in its category — the top (Q1) quartile.

₹1 lakh invested in ING Liquid Fund-Regular Growth Option exactly 5 years ago would be worth approximately ₹144,265 today — a multiplier of 1.44×, based on the 5-year CAGR of 7.60%. The category average over the same window would have grown ₹1 lakh to ₹113,435.

A ₹10,000 monthly SIP in ING Liquid Fund-Regular Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹738,891 today. That's an XIRR (money-weighted annualised return) of 8.25%.

ING Liquid Fund-Regular 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 ₹1,108,949 — XIRR 7.80%.

On a 5-year basis, ING Liquid Fund-Regular Growth Option ranks #3 out of 16 funds in the Liquid category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.55%; this fund delivered 7.60%.

The worst peak-to-trough decline ING Liquid Fund-Regular 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-Regular Growth Option averaged 7.11% (best 7.60%, worst 6.63%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 1.54 — strong risk-adjusted performance.

In calendar year 2013, ING Liquid Fund-Regular Growth Option returned 8.36% — beating the Liquid category average of 2.41% by 5.94 pp. It ranked #2 of 13 in its category that year.

ING Liquid Fund-Regular 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-Regular 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: 7.60%.

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