Should I invest in DBS Chola Liquid Fund-Cum -Institutional Plus?

We don't give personal investment advice. DBS Chola Liquid Fund-Cum -Institutional Plus 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.

DBS Chola

DBS Chola Liquid Fund-Cum -Institutional Plus

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%	+0.34%	-0.33	60 / 110	Q3
1W	+0.06%	+0.31%	-0.25	42 / 107	Q2
2W	+0.13%	+0.36%	-0.23	39 / 106	Q2
1M	+0.31%	+0.37%	-0.06	29 / 106	Q2
3M	+0.96%	+0.70%	+0.26	28 / 105	Q2
6M	+2.00%	-0.73%	+2.72	27 / 105	Q2
YTD	+0.46%	-1.59%	+2.05	28 / 102	Q2
1Y	+4.57%	-0.61%	+5.18	25 / 100	Q1
2Y	+6.70%	-0.86%	+7.56	20 / 96	Q1
3Y	+6.98%	-1.06%	+8.04	19 / 89	Q1
4Y	+6.76%	-1.39%	+8.15	18 / 86	Q1
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.98%	-1.26%	+8.24	19 / 110	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
2010 YTD	+0.46%	-1.24%	+1.70	26 / 73
2009	+4.97%	+0.17%	+4.80	13 / 75
2008	+9.01%	+2.60%	+6.41	11 / 61
2007	+7.39%	+0.04%	+7.35	12 / 48
2006	—	—	—	—

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

+7.45%

36 windows

min 4.6% · max 9.0%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+7.41%

11 windows

min 7.0% · max 7.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

0.54%

3-year · annualised

Sharpe ratio

0.49

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.84%

Aug 2009 → Aug 2009

% 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
15 Feb 2010	₹18.4922
14 Feb 2010	₹18.4906
11 Feb 2010	₹18.4860
10 Feb 2010	₹18.4845
9 Feb 2010	₹18.4826
8 Feb 2010	₹18.4808
7 Feb 2010	₹18.4790
5 Feb 2010	₹18.4752
4 Feb 2010	₹18.4734
3 Feb 2010	₹18.4717

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.

DBS Chola Liquid Fund-Cum -Institutional Plus is a Liquid from DBS Chola (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.

DBS Chola Liquid Fund-Cum -Institutional Plus has NAV history starting from 02 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.

DBS Chola Liquid Fund-Cum -Institutional Plus is managed by DBS Chola. It's classified by AMFI under the 'Liquid' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DBS Chola Liquid Fund-Cum -Institutional Plus has delivered a absolute return of 4.57% — +5.18 pp ahead of the Liquid category average of -0.61%. The fund ranks #25 of 100 in its category — the top (Q1) quartile.

Over the trailing 3-year window, DBS Chola Liquid Fund-Cum -Institutional Plus has delivered a CAGR of 6.98% — +8.04 pp ahead of the Liquid category average of -1.06%. The fund ranks #19 of 89 in its category — the top (Q1) quartile.

DBS Chola Liquid Fund-Cum -Institutional Plus doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in DBS Chola Liquid Fund-Cum -Institutional Plus exactly 3 years ago would be worth approximately ₹122,421 today — a multiplier of 1.22×, based on the 3-year CAGR of 6.98%. The category average over the same window would have grown ₹1 lakh to ₹96,854.

A ₹10,000 monthly SIP in DBS Chola Liquid Fund-Cum -Institutional Plus over the last 3 years — total invested ₹360,000 — would be worth ₹396,483 today. That's an XIRR (money-weighted annualised return) of 6.34%.

DBS Chola Liquid Fund-Cum -Institutional Plus doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹396,483 — XIRR 6.34%.

On a 3-year basis, DBS Chola Liquid Fund-Cum -Institutional Plus ranks #19 out of 89 funds in the Liquid category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -1.06%; this fund delivered 6.98%.

The worst peak-to-trough decline DBS Chola Liquid Fund-Cum -Institutional Plus has experienced over the last 3-year window is 0.84% — its NAV fell from a high on 28 Aug 2009 to a low on 30 Aug 2009. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, DBS Chola Liquid Fund-Cum -Institutional Plus averaged 7.41% (best 7.74%, worst 6.98%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.49 — weak risk-adjusted performance.

In calendar year 2009, DBS Chola Liquid Fund-Cum -Institutional Plus returned 4.97% — beating the Liquid category average of 0.17% by 4.79 pp. It ranked #13 of 75 in its category that year.

DBS Chola Liquid Fund-Cum -Institutional Plus 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. DBS Chola Liquid Fund-Cum -Institutional Plus 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.

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