Should I invest in BANDHAN LIQUID Fund?

We don't give personal investment advice. BANDHAN LIQUID Fund - Regular Plan - Growth 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: 6.12%.

IDFC

BANDHAN LIQUID Fund - Regular Plan - Growth

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 5 Nov 2011. 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

₹3,364.0049

As of

26 Jul 2026

5,932 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%	-0.82%	+0.85	29 / 117	Q1
1W	+0.11%	-1.29%	+1.40	32 / 116	Q2
2W	+0.22%	-1.24%	+1.46	19 / 116	Q1
1M	+0.54%	-1.15%	+1.69	17 / 115	Q1
3M	+1.58%	-0.79%	+2.37	19 / 115	Q1
6M	+3.31%	-0.21%	+3.52	16 / 116	Q1
YTD	+3.65%	-0.01%	+3.67	18 / 116	Q1
1Y	+6.22%	+0.87%	+5.36	20 / 115	Q1
2Y	+6.60%	+1.11%	+5.50	19 / 111	Q1
3Y	+6.82%	+1.16%	+5.66	15 / 101	Q1
4Y	+6.75%	+1.03%	+5.72	15 / 93	Q1
5Y	+6.12%	+0.80%	+5.32	14 / 84	Q1
7Y	+5.54%	+0.51%	+5.03	16 / 78	Q1
10Y	+5.96%	+0.67%	+5.29	19 / 71	Q2
Inception	—	—	—	—	—

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	+3.65%	+1.42%	+2.23	16 / 73
2025	+6.40%	+2.57%	+3.83	17 / 69
2024	+7.27%	+2.54%	+4.73	11 / 71
2023	+6.96%	+2.47%	+4.49	12 / 66
2022	+4.79%	+1.48%	+3.31	13 / 70
2021	+3.23%	+1.01%	+2.22	18 / 80
2020	+4.03%	+0.34%	+3.69	21 / 87
2019	+6.32%	+2.59%	+3.72	23 / 87
2018	+7.29%	+2.60%	+4.69	21 / 88
2017	+6.58%	+2.32%	+4.26	23 / 85
2016	+7.57%	+2.45%	+5.12	11 / 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

+6.88%

209 windows

min 3.1% · max 9.8%

100% positive

3-Year rolling

+6.97%

185 windows

min 3.9% · max 9.4%

100% positive

5-Year rolling

+6.94%

160 windows

min 5.1% · max 9.0%

100% positive

7-Year rolling

+6.96%

136 windows

min 5.5% · max 8.5%

100% 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

0.26%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.01%

Jul 2026 → Jul 2026

% 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.

Peers in Liquid Fund

Scheme	Fund house	NAV	As of
HDFC Liquid Fund - Growth Plan	HDFC	₹5,467.1581	26 Jul 2026
NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION	Nippon India	₹1,010.2148	26 Jul 2026
ICICI Prudential Liquid Fund - IDCW Others	ICICI Prudential	₹191.6725	26 Jul 2026
Invesco India Liquid Fund - Unclaimed Dividend Plan - Above 3 Years	Invesco	₹1,000.0000	26 Jul 2026
BANDHAN LIQUID Fund - Unclaimed IDCW Less than 3 years	Bandhan	₹1.8119	26 Jul 2026
Quantum Liquid Fund - Direct Plan Daily IDCW	Quantum	₹10.0128	26 Jul 2026
Motilal Oswal Liquid Fund - Unclaimed Dividend - Greater than 3 years	Motilal Oswal	₹10.0000	26 Jul 2026
Franklin India Liquid Fund - Institutional Plan - Daily - IDCW	Franklin Templeton	₹1,000.0000	26 Jul 2026
Mirae Asset Liquid Fund - Regular - Daily IDCW	Mirae Asset	₹1,066.4347	26 Jul 2026
HSBC Liquid Fund - IDCW	HSBC	₹1,019.3000	26 Jul 2026

Recent NAVs

Date	NAV
26 Jul 2026	₹3,364.0049
24 Jul 2026	₹3,362.9134
23 Jul 2026	₹3,362.1489
22 Jul 2026	₹3,361.4567
21 Jul 2026	₹3,361.1962
20 Jul 2026	₹3,360.6914
19 Jul 2026	₹3,360.2881
17 Jul 2026	₹3,359.1807
16 Jul 2026	₹3,358.1790
15 Jul 2026	₹3,357.4701

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 26 Jul 2026, the NAV of BANDHAN LIQUID Fund - Regular Plan - Growth is ₹3,364.0049. It's a Liquid Fund from IDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

BANDHAN LIQUID Fund - Regular Plan - Growth has NAV history starting from 31 May 2008, a track record of about 18 years 1 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.

BANDHAN LIQUID Fund - Regular Plan - Growth is managed by IDFC. 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, BANDHAN LIQUID Fund - Regular Plan - Growth has delivered a absolute return of 6.22% — +5.36 pp ahead of the Liquid Fund category average of 0.87%. The fund ranks #20 of 115 in its category — the top (Q1) quartile.

Over the trailing 3-year window, BANDHAN LIQUID Fund - Regular Plan - Growth has delivered a CAGR of 6.82% — +5.66 pp ahead of the Liquid Fund category average of 1.16%. The fund ranks #15 of 101 in its category — the top (Q1) quartile.

Over the trailing 5-year window, BANDHAN LIQUID Fund - Regular Plan - Growth has delivered a CAGR of 6.12% — +5.32 pp ahead of the Liquid Fund category average of 0.80%. The fund ranks #14 of 84 in its category — the top (Q1) quartile.

₹1 lakh invested in BANDHAN LIQUID Fund - Regular Plan - Growth exactly 10 years ago would be worth approximately ₹178,469 today — a multiplier of 1.78×, based on the 10-year CAGR of 5.96%. The category average over the same window would have grown ₹1 lakh to ₹106,919.

A ₹10,000 monthly SIP in BANDHAN LIQUID Fund - Regular Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹708,772 today. That's an XIRR (money-weighted annualised return) of 6.60%.

A ₹10,000 monthly SIP for 10 years in BANDHAN LIQUID Fund - Regular Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,628,315 (multiplier 1.36×). XIRR: 5.95%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, BANDHAN LIQUID Fund - Regular Plan - Growth ranks #14 out of 84 funds in the Liquid Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 0.80%; this fund delivered 6.12%.

The worst peak-to-trough decline BANDHAN LIQUID Fund - Regular Plan - Growth has experienced over the last 5-year window is 0.03% — its NAV fell from a high on 03 May 2022 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, BANDHAN LIQUID Fund - Regular Plan - Growth averaged 6.94% (best 9.04%, worst 5.06%). 100% of rolling windows ended positive.

In calendar year 2025, BANDHAN LIQUID Fund - Regular Plan - Growth returned 6.40% — beating the Liquid Fund category average of 2.57% by 3.83 pp. It ranked #17 of 69 in its category that year.

BANDHAN LIQUID Fund - Regular Plan - Growth 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. BANDHAN LIQUID Fund - Regular Plan - Growth 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: 6.12%.

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

BANDHAN LIQUID Fund - Regular Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Liquid Fund

Recent NAVs

Frequently asked questions

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