Should I invest in BANDHAN LIQUID Fund - Periodic IDCW?

We don't give personal investment advice. BANDHAN LIQUID Fund - Regular Plan - Periodic 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: 0.0%. 5-year CAGR: 6.01%.

Bandhan

BANDHAN LIQUID Fund - Regular Plan - Periodic IDCW

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

₹1,437.9435

As of

3 Jun 2026

4,700 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	+0.01%	0.00%	+0.02	29 / 83	Q2
1W	+0.13%	+0.04%	+0.10	13 / 83	Q1
2W	+0.23%	+0.05%	+0.18	16 / 83	Q1
1M	+0.47%	+0.12%	+0.35	14 / 83	Q1
3M	+1.64%	+0.36%	+1.27	11 / 82	Q1
6M	+3.11%	+0.71%	+2.40	14 / 83	Q1
YTD	+2.61%	+0.66%	+1.95	15 / 82	Q1
1Y	+6.06%	-0.04%	+6.11	13 / 75	Q1
2Y	+6.61%	+1.43%	+5.18	12 / 74	Q1
3Y	+6.81%	+1.64%	+5.17	11 / 72	Q1
4Y	+6.66%	+1.55%	+5.11	10 / 64	Q1
5Y	+6.01%	+1.40%	+4.61	6 / 63	Q1
7Y	-0.67%	+1.05%	-1.72	56 / 57	Q4
10Y	+1.58%	+1.05%	+0.53	6 / 30	Q1
Inception	+2.46%	+0.33%	+2.12	22 / 82	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
2026 YTD	+2.61%	+0.59%	+2.02	13 / 78
2025	+6.40%	+1.30%	+5.10	10 / 71
2024	+7.27%	+1.65%	+5.61	12 / 73
2023	+6.96%	+1.96%	+5.00	7 / 67
2022	+4.79%	+1.26%	+3.53	8 / 67
2021	-0.57%	+0.65%	-1.21	60 / 60
2020	-29.29%	+0.24%	-29.53	60 / 60
2019	+6.32%	+1.54%	+4.78	9 / 46
2018	+7.29%	+1.96%	+5.33	8 / 42
2017	+6.58%	+1.80%	+4.77	8 / 38
2016	+7.57%	+1.73%	+5.83	4 / 26

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

+2.89%

169 windows

min -29.5% · max 9.6%

78% positive

3-Year rolling

+1.58%

145 windows

min -9.8% · max 8.4%

74% positive

5-Year rolling

+0.93%

121 windows

min -3.5% · max 7.4%

50% positive

7-Year rolling

+0.54%

96 windows

min -2.3% · max 5.5%

24% 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

0.21%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.01%

Mar 2026 → Mar 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
Quantum Liquid Fund - Regular Plan Daily IDCW	Quantum	₹10.0002	3 Jun 2026
Aditya Birla Sun Life Liquid Fund -Regular - IDCW	Aditya Birla Sun Life	₹109.6442	3 Jun 2026
Motilal Oswal Liquid Fund Regular - IDCW Daily Reinvestment	Motilal Oswal	₹10.0055	3 Jun 2026
Templeton India Treasury Management Account-Regular Plan - Daily Dividend	Franklin Templeton	₹1,509.0075	3 Jun 2026
Kotak Liquid Fund - Regular Plan - Weekly - Reinvestment & Payout of Income Distribution cum capital withdrawal option	Kotak	₹1,035.5804	3 Jun 2026
Parag Parikh Liquid Fund- Regular Plan- Daily Reinvestment of IDCW	Parag Parikh	₹1,000.5404	3 Jun 2026
Edelweiss Liquid Fund - Regular Plan - Bonus Option	Edelweiss	₹2,056.0660	3 Jun 2026
HSBC Liquid Fund - Regular Daily IDCW	HSBC	₹1,001.3789	3 Jun 2026
Baroda BNP Paribas LIQUID FUND - Regular Plan - WEEKLY IDCW OPTION	Baroda BNP Paribas	₹1,000.2398	3 Jun 2026
CANARA ROBECO LIQUID FUND - REGULAR PLAN - MONTHLY IDCW (Payout/Reinvestment)	Canara Robeco	₹1,001.4116	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,437.9435
2 Jun 2026	₹1,437.7391
1 Jun 2026	₹1,437.5457
31 May 2026	₹1,437.2590
30 May 2026	₹1,437.0165
29 May 2026	₹1,436.7751
28 May 2026	₹1,436.3293
26 May 2026	₹1,435.8034
25 May 2026	₹1,435.6184
24 May 2026	₹1,435.4244

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 03 Jun 2026, the NAV of BANDHAN LIQUID Fund - Regular Plan - Periodic IDCW is ₹1,437.9435. It's a Liquid Fund from Bandhan, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

BANDHAN LIQUID Fund - Regular Plan - Periodic IDCW has NAV history starting from 23 Jun 2011, a track record of about 14 years 11 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.

BANDHAN LIQUID Fund - Regular Plan - Periodic IDCW is managed by Bandhan. 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 - Periodic IDCW has delivered a absolute return of 6.06% — +6.11 pp ahead of the Liquid Fund category average of -0.04%. The fund ranks #13 of 75 in its category — the top (Q1) quartile.

Over the trailing 3-year window, BANDHAN LIQUID Fund - Regular Plan - Periodic IDCW has delivered a CAGR of 6.81% — +5.17 pp ahead of the Liquid Fund category average of 1.64%. The fund ranks #11 of 72 in its category — the top (Q1) quartile.

Over the trailing 5-year window, BANDHAN LIQUID Fund - Regular Plan - Periodic IDCW has delivered a CAGR of 6.01% — +4.61 pp ahead of the Liquid Fund category average of 1.40%. The fund ranks #6 of 63 in its category — the top (Q1) quartile.

₹1 lakh invested in BANDHAN LIQUID Fund - Regular Plan - Periodic IDCW exactly 10 years ago would be worth approximately ₹116,958 today — a multiplier of 1.17×, based on the 10-year CAGR of 1.58%. The category average over the same window would have grown ₹1 lakh to ₹110,980.

A ₹10,000 monthly SIP in BANDHAN LIQUID Fund - Regular Plan - Periodic IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹707,649 today. That's an XIRR (money-weighted annualised return) of 6.53%.

A ₹10,000 monthly SIP for 10 years in BANDHAN LIQUID Fund - Regular Plan - Periodic IDCW = ₹1,200,000 invested. It would currently be worth ₹1,368,750 (multiplier 1.14×). XIRR: 2.59%. 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 - Periodic IDCW ranks #6 out of 63 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 1.40%; this fund delivered 6.01%.

The worst peak-to-trough decline BANDHAN LIQUID Fund - Regular Plan - Periodic IDCW 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 - Periodic IDCW averaged 0.93% (best 7.41%, worst -3.47%). 50% of rolling windows ended positive.

In calendar year 2025, BANDHAN LIQUID Fund - Regular Plan - Periodic IDCW returned 6.40% — beating the Liquid Fund category average of 1.30% by 5.10 pp. It ranked #10 of 71 in its category that year.

BANDHAN LIQUID Fund - Regular Plan - Periodic 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. BANDHAN LIQUID Fund - Regular Plan - Periodic 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: 0.0%. 5-year CAGR: 6.01%.

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