Should I invest in Aditya Birla Sun Life Liquid Fund -DIRECT?

We don't give personal investment advice. Aditya Birla Sun Life Liquid Fund -DIRECT - IDCW 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: 36.8%. 5-year CAGR: -5.54%.

Aditya Birla Sun Life

Aditya Birla Sun Life Liquid Fund -DIRECT - IDCW

Latest NAV

₹136.7634

As of

19 Jul 2026

4,238 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	+0.03%	-0.03%	+0.06	1 / 139	Q1
1W	+0.11%	-0.02%	+0.13	21 / 139	Q1
2W	+0.20%	+0.01%	+0.19	36 / 139	Q2
1M	-5.47%	+0.02%	-5.50	138 / 139	Q4
3M	-4.49%	+0.19%	-4.68	136 / 138	Q4
6M	-8.58%	+0.51%	-9.09	135 / 136	Q4
YTD	-8.36%	+0.50%	-8.86	134 / 135	Q4
1Y	-16.57%	+1.02%	-17.59	127 / 128	Q4
2Y	-17.54%	+1.17%	-18.72	127 / 127	Q4
3Y	-12.10%	+1.38%	-13.47	122 / 122	Q4
4Y	-7.73%	+1.27%	-9.00	114 / 114	Q4
5Y	-5.54%	+1.20%	-6.73	113 / 113	Q4
7Y	-2.79%	+0.83%	-3.62	107 / 107	Q4
10Y	+0.14%	+0.66%	-0.53	23 / 73	Q2
Inception	+2.37%	+1.25%	+1.13	30 / 139	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
2026 YTD	-8.36%	+0.37%	-8.73	119 / 120
2025	-16.49%	+1.10%	-17.59	115 / 115
2024	-14.01%	+1.42%	-15.42	118 / 118
2023	+7.17%	+1.63%	+5.54	1 / 112
2022	+4.93%	+1.11%	+3.82	2 / 116
2021	+3.37%	+0.45%	+2.92	6 / 107
2020	+4.38%	+0.35%	+4.03	1 / 110
2019	+6.76%	+1.19%	+5.57	3 / 99
2018	+7.49%	+1.03%	+6.46	4 / 91
2017	+7.11%	+1.12%	+5.99	1 / 87
2016	+7.76%	+1.02%	+6.74	3 / 73

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

+3.39%

151 windows

min -19.3% · max 11.0%

83% positive

3-Year rolling

+4.43%

126 windows

min -12.1% · max 9.5%

84% positive

5-Year rolling

+4.73%

102 windows

min -5.5% · max 8.6%

83% positive

7-Year rolling

+4.80%

78 windows

min -2.8% · max 8.1%

87% 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

9.60%

3-year · annualised

Sharpe ratio

-1.96

vs risk-free 6.5%

Sortino ratio

-1.87

Downside-only deviation

Max drawdown

-36.76%

Jun 2024 → Jun 2026

% positive months

75.0%

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 - IDCW Daily - Direct Plan	HDFC	₹1,019.8200	19 Jul 2026
NIPPON INDIA LIQUID FUND - DIRECT Plan - DAILY IDCW OPTION	Nippon India	₹1,528.7400	19 Jul 2026
SBI Liquid Fund - Direct Paln - Fortnightly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,436.4633	19 Jul 2026
ICICI Prudential Liquid Fund - Direct Plan - IDCW Others	ICICI Prudential	₹193.1300	19 Jul 2026
Invesco India Liquid Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment)	Invesco	₹1,086.1962	19 Jul 2026
BANDHAN LIQUID Fund -Direct Plan -Monthly IDCW	Bandhan	₹1,010.8163	19 Jul 2026
quant Liquid Fund - Monthly IDCW Option - Direct Plan	Quant	₹15.7900	19 Jul 2026
Aditya Birla Sun Life Liquid Fund -Direct - daily IDCW	Aditya Birla Sun Life	₹100.1950	19 Jul 2026
Motilal Oswal Liquid Fund Direct - IDCW Quarterly Payout/Reinvestment	Motilal Oswal	₹10.3227	19 Jul 2026
Franklin India Liquid Fund - Super Institutional Plan - Direct - Daily - IDCW	Franklin India	₹1,002.8152	19 Jul 2026

Recent NAVs

Date	NAV
19 Jul 2026	₹136.7634
17 Jul 2026	₹136.7165
16 Jul 2026	₹136.6776
15 Jul 2026	₹136.6494
14 Jul 2026	₹136.6325
13 Jul 2026	₹136.6299
12 Jul 2026	₹136.6087
11 Jul 2026	₹136.5854
10 Jul 2026	₹136.5622
9 Jul 2026	₹136.5205

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 19 Jul 2026, the NAV of Aditya Birla Sun Life Liquid Fund -DIRECT - IDCW is ₹136.7634. It's a Liquid Fund from Aditya Birla Sun Life, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Aditya Birla Sun Life Liquid Fund -DIRECT - IDCW has NAV history starting from 21 Mar 2013, a track record of about 13 years 3 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Aditya Birla Sun Life Liquid Fund -DIRECT - IDCW is managed by Aditya Birla Sun Life. 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, Aditya Birla Sun Life Liquid Fund -DIRECT - IDCW has delivered a absolute return of -16.57% — -17.59 pp behind the Liquid Fund category average of 1.02%. The fund ranks #127 of 128 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Liquid Fund -DIRECT - IDCW has delivered a CAGR of -12.10% — -13.47 pp behind the Liquid Fund category average of 1.38%. The fund ranks #122 of 122 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Liquid Fund -DIRECT - IDCW has delivered a CAGR of -5.54% — -6.73 pp behind the Liquid Fund category average of 1.20%. The fund ranks #113 of 113 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Aditya Birla Sun Life Liquid Fund -DIRECT - IDCW exactly 10 years ago would be worth approximately ₹101,377 today — a multiplier of 1.01×, based on the 10-year CAGR of 0.14%. The category average over the same window would have grown ₹1 lakh to ₹106,825.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Liquid Fund -DIRECT - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹448,639 today. That's an XIRR (money-weighted annualised return) of -11.34%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Liquid Fund -DIRECT - IDCW = ₹1,200,000 invested. It would currently be worth ₹966,683 (multiplier 0.81×). XIRR: -4.35%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Aditya Birla Sun Life Liquid Fund -DIRECT - IDCW ranks #113 out of 113 funds in the Liquid Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 1.20%; this fund delivered -5.54%.

The worst peak-to-trough decline Aditya Birla Sun Life Liquid Fund -DIRECT - IDCW has experienced over the last 5-year window is 36.76% — its NAV fell from a high on 24 Jun 2024 to a low on 23 Jun 2026. 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, Aditya Birla Sun Life Liquid Fund -DIRECT - IDCW averaged 4.73% (best 8.61%, worst -5.54%). 83% of rolling windows ended positive. The 5-year Sharpe ratio is -1.51 — negative risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Liquid Fund -DIRECT - IDCW returned -16.49% — lagging the Liquid Fund category average of 1.10% by 17.59 pp. It ranked #115 of 115 in its category that year.

Aditya Birla Sun Life Liquid Fund -DIRECT - IDCW 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. Aditya Birla Sun Life Liquid Fund -DIRECT - IDCW 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: 36.8%. 5-year CAGR: -5.54%.

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