Should I invest in LICMF Liquid Fund?

We don't give personal investment advice. LICMF Liquid Fund-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. Worst 5-year drawdown: 0.0%. 5-year CAGR: 0.00%.

LIC

LICMF Liquid Fund-Dividend

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 21 Jan 2013. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹1,000.1751

As of

8 Jun 2026

6,097 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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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	+0.00%	-0.82%	+0.82	86 / 117	Q3
1W	+0.00%	-1.29%	+1.29	77 / 116	Q3
2W	+0.00%	-1.25%	+1.25	76 / 116	Q3
1M	+0.00%	-1.16%	+1.16	77 / 115	Q3
3M	+0.00%	-0.76%	+0.76	83 / 115	Q3
6M	+0.00%	-0.24%	+0.24	82 / 116	Q3
YTD	+0.00%	-0.24%	+0.24	80 / 116	Q3
1Y	+0.00%	+0.82%	-0.82	77 / 115	Q3
2Y	+0.00%	+1.10%	-1.10	73 / 111	Q3
3Y	+0.00%	+1.15%	-1.15	67 / 101	Q3
4Y	+0.00%	+1.01%	-1.01	55 / 92	Q3
5Y	+0.00%	+0.77%	-0.76	53 / 84	Q3
7Y	-1.32%	+0.50%	-1.83	75 / 78	Q4
10Y	-0.93%	+0.67%	-1.60	69 / 71	Q4
Inception	-0.45%	+1.28%	-1.73	108 / 114	Q4

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
2026 YTD	+0.00%	+1.06%	-1.06	51 / 73
2025	+0.00%	+2.57%	-2.57	44 / 69
2024	+0.00%	+2.54%	-2.54	41 / 71
2023	+0.01%	+2.47%	-2.46	32 / 66
2022	+0.00%	+1.48%	-1.48	53 / 70
2021	-8.92%	+1.01%	-9.93	80 / 80
2020	+0.00%	+0.34%	-0.34	52 / 87
2019	+0.00%	+2.59%	-2.59	55 / 87
2018	+0.00%	+2.60%	-2.60	64 / 88
2017	+0.00%	+2.32%	-2.32	54 / 85
2016	+0.00%	+2.45%	-2.45	40 / 64

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

-0.49%

234 windows

min -8.9% · max 0.2%

9% positive

3-Year rolling

-0.54%

210 windows

min -3.1% · max 0.1%

13% positive

5-Year rolling

-0.61%

186 windows

min -1.9% · max 0.0%

4% positive

7-Year rolling

-0.53%

161 windows

min -1.3% · max 0.0%

2% positive

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

0.00%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.01%

Jun 2023 → Mar 2026

% positive months

0.0%

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.

Peers in Liquid Fund

Scheme	Fund house	NAV	As of
HDFC Liquid Fund-Dividend - Daily	HDFC	₹1,019.8200	8 Jun 2026
NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION	Nippon India	₹1,018.7510	8 Jun 2026
ICICI Prudential Liquid Fund - IDCW Others	ICICI Prudential	₹189.9449	8 Jun 2026
Invesco India Liquid Fund - Unclaimed Dividend Plan - Above 3 Years	Invesco	₹1,000.0000	8 Jun 2026
BANDHAN LIQUID Fund - Unclaimed IDCW Less than 3 years	Bandhan	₹1.7955	8 Jun 2026
Quantum Liquid Fund - Unclaimed IDCW Plan Above 3 years	Quantum	₹10.0000	8 Jun 2026
Motilal Oswal Liquid Fund - Unclaimed Dividend - Greater than 3 years	Motilal Oswal	₹10.0000	8 Jun 2026
Templeton India Treasury Management - Institution-Daily	Franklin Templeton	₹1,000.0000	8 Jun 2026
Mirae Asset Cash Management Fund - Daily Dividend	Mirae Asset	₹1,066.4347	8 Jun 2026
HSBC Liquid Fund - IDCW	HSBC	₹1,019.3000	8 Jun 2026

Recent NAVs

Date	NAV
8 Jun 2026	₹1,000.1751
7 Jun 2026	₹1,000.1751
5 Jun 2026	₹1,000.1751
4 Jun 2026	₹1,000.1751
3 Jun 2026	₹1,000.1751
2 Jun 2026	₹1,000.1751
1 Jun 2026	₹1,000.1751
31 May 2026	₹1,000.1751
29 May 2026	₹1,000.1751
28 May 2026	₹1,000.1751

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.

As of 08 Jun 2026, the NAV of LICMF Liquid Fund-Dividend is ₹1,000.1751. It's a Liquid Fund from LIC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

LICMF Liquid Fund-Dividend has NAV history starting from 03 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.

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

Over the trailing 1-year window, LICMF Liquid Fund-Dividend has delivered a absolute return of 0.00% — -0.82 pp behind the Liquid Fund category average of 0.82%. The fund ranks #77 of 115 in its category — the third (Q3) quartile.

Over the trailing 3-year window, LICMF Liquid Fund-Dividend has delivered a CAGR of 0.00% — -1.15 pp behind the Liquid Fund category average of 1.15%. The fund ranks #67 of 101 in its category — the third (Q3) quartile.

Over the trailing 5-year window, LICMF Liquid Fund-Dividend has delivered a CAGR of 0.00% — -0.76 pp behind the Liquid Fund category average of 0.77%. The fund ranks #53 of 84 in its category — the third (Q3) quartile.

₹1 lakh invested in LICMF Liquid Fund-Dividend exactly 10 years ago would be worth approximately ₹91,091 today — a multiplier of 0.91×, based on the 10-year CAGR of -0.93%. The category average over the same window would have grown ₹1 lakh to ₹106,882.

A ₹10,000 monthly SIP in LICMF Liquid Fund-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹600,022 today. That's an XIRR (money-weighted annualised return) of 0.00%.

A ₹10,000 monthly SIP for 10 years in LICMF Liquid Fund-Dividend = ₹1,200,000 invested. It would currently be worth ₹1,148,351 (multiplier 0.96×). XIRR: -0.87%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, LICMF Liquid Fund-Dividend ranks #53 out of 84 funds in the Liquid Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 0.77%; this fund delivered 0.00%.

The worst peak-to-trough decline LICMF Liquid Fund-Dividend has experienced over the last 5-year window is 0.03% — its NAV fell from a high on 02 Sep 2021 to a low on 05 May 2022. 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, LICMF Liquid Fund-Dividend averaged -0.61% (best 0.04%, worst -1.85%). 4% of rolling windows ended positive.

In calendar year 2025, LICMF Liquid Fund-Dividend returned 0.00% — lagging the Liquid Fund category average of 2.57% by 2.57 pp. It ranked #44 of 69 in its category that year.

LICMF Liquid Fund-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. LICMF Liquid Fund-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. Worst 5-year drawdown: 0.0%. 5-year CAGR: 0.00%.

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