SBI

SBI Premier Liquid Fund - Institutional - Fortnightly Dividend

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 13 Jan 2012. 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).

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	+0.02%	+0.34%	-0.32	38 / 110	Q2
1W	+0.15%	+0.31%	-0.16	15 / 107	Q1
2W	+0.31%	+0.36%	-0.06	14 / 106	Q1
1M	+0.60%	+0.37%	+0.23	15 / 106	Q1
3M	+1.74%	+0.70%	+1.04	16 / 105	Q1
6M	+3.43%	-0.73%	+4.15	17 / 105	Q1
YTD	+0.12%	-1.59%	+1.71	42 / 102	Q2
1Y	+6.98%	-0.61%	+7.59	16 / 100	Q1
2Y	+5.89%	-0.86%	+6.76	24 / 96	Q1
3Y	+5.02%	-1.06%	+6.08	23 / 89	Q2
4Y	+4.51%	-1.39%	+5.89	23 / 86	Q2
5Y	+3.58%	+0.08%	+3.50	22 / 76	Q2
7Y	+2.55%	-1.37%	+3.92	18 / 53	Q2
10Y	+1.78%	+3.10%	-1.32	8 / 16	Q2
Inception	+1.13%	-1.26%	+2.39	30 / 110	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
2024 YTD	+0.12%	+0.12%	+0.00	1 / 1
2023	+6.93%	+6.93%	+0.00	1 / 1
2022	+4.75%	+4.75%	+0.00	1 / 1
2021	+3.26%	+0.90%	+2.37	2 / 13
2020	+3.04%	+1.12%	+1.91	3 / 14
2019	-0.03%	+5.19%	-5.22	15 / 15
2018	+0.01%	+0.91%	-0.90	9 / 15
2017	+0.00%	+1.55%	-1.55	11 / 17
2016	-0.27%	+1.80%	-2.07	33 / 33
2015	-0.02%	+2.35%	-2.38	35 / 38
2014	-0.01%	+2.71%	-2.73	44 / 47

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

+1.03%

193 windows

min 0.0% · max 7.0%

90% positive

3-Year rolling

+0.76%

169 windows

min -0.1% · max 5.0%

92% positive

5-Year rolling

+0.57%

144 windows

min 0.0% · max 3.6%

91% positive

7-Year rolling

+0.49%

120 windows

min 0.0% · max 2.6%

95% 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

0.48%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.04%

May 2022 → May 2022

% 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
7 Jan 2024	₹1,222.3299
6 Jan 2024	₹1,222.1006
5 Jan 2024	₹1,221.8715
4 Jan 2024	₹1,221.6303
3 Jan 2024	₹1,221.3608
2 Jan 2024	₹1,221.1119
1 Jan 2024	₹1,220.8080
31 Dec 2023	₹1,220.4971
30 Dec 2023	₹1,220.2618
29 Dec 2023	₹1,220.0266

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.

SBI Premier Liquid Fund - Institutional - Fortnightly Dividend is a Liquid from SBI (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.

SBI Premier Liquid Fund - Institutional - Fortnightly Dividend has NAV history starting from 23 Mar 2007, a track record of about 19 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.

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

Over the trailing 1-year window, SBI Premier Liquid Fund - Institutional - Fortnightly Dividend has delivered a absolute return of 6.98% — +7.59 pp ahead of the Liquid category average of -0.61%. The fund ranks #16 of 100 in its category — the top (Q1) quartile.

Over the trailing 3-year window, SBI Premier Liquid Fund - Institutional - Fortnightly Dividend has delivered a CAGR of 5.02% — +6.08 pp ahead of the Liquid category average of -1.06%. The fund ranks #23 of 89 in its category — the second (Q2) quartile.

Over the trailing 5-year window, SBI Premier Liquid Fund - Institutional - Fortnightly Dividend has delivered a CAGR of 3.58% — +3.5 pp ahead of the Liquid category average of 0.08%. The fund ranks #22 of 76 in its category — the second (Q2) quartile.

₹1 lakh invested in SBI Premier Liquid Fund - Institutional - Fortnightly Dividend exactly 10 years ago would be worth approximately ₹119,323 today — a multiplier of 1.19×, based on the 10-year CAGR of 1.78%. The category average over the same window would have grown ₹1 lakh to ₹135,735.

A ₹10,000 monthly SIP in SBI Premier Liquid Fund - Institutional - Fortnightly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹678,341 today. That's an XIRR (money-weighted annualised return) of 4.85%.

A ₹10,000 monthly SIP for 10 years in SBI Premier Liquid Fund - Institutional - Fortnightly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,394,176 (multiplier 1.16×). XIRR: 2.95%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI Premier Liquid Fund - Institutional - Fortnightly Dividend ranks #22 out of 76 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 0.08%; this fund delivered 3.58%.

The worst peak-to-trough decline SBI Premier Liquid Fund - Institutional - Fortnightly Dividend has experienced over the last 5-year window is 0.42% — its NAV fell from a high on 05 Apr 2019 to a low on 24 Mar 2020. 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, SBI Premier Liquid Fund - Institutional - Fortnightly Dividend averaged 0.57% (best 3.58%, worst -0.05%). 91% of rolling windows ended positive. The 5-year Sharpe ratio is -4.08 — negative risk-adjusted performance.

In calendar year 2023, SBI Premier Liquid Fund - Institutional - Fortnightly Dividend returned 6.93% — beating the Liquid category average of 6.93% by 0.00 pp. It ranked #1 of 1 in its category that year.

SBI Premier Liquid Fund - Institutional - Fortnightly 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. SBI Premier Liquid Fund - Institutional - Fortnightly 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: 0.4%. 5-year CAGR: 3.58%.

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