Should I invest in HDFC Liquid Fund?

We don't give personal investment advice. HDFC Liquid Fund - IDCW Plan Weekly 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: 0.3%. 5-year CAGR: 0.02%.

HDFC

HDFC Liquid Fund - IDCW Plan Weekly

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 30 Aug 2015. 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

₹1,032.0516

As of

26 Jul 2026

6,122 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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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	35 / 117	Q2
1W	+0.01%	-1.29%	+1.30	62 / 116	Q3
2W	+0.00%	-1.24%	+1.24	66 / 116	Q3
1M	+0.04%	-1.15%	+1.20	55 / 115	Q2
3M	+0.03%	-0.79%	+0.81	56 / 115	Q2
6M	-0.01%	-0.21%	+0.20	102 / 116	Q4
YTD	+0.03%	-0.01%	+0.04	65 / 116	Q3
1Y	+0.04%	+0.87%	-0.83	60 / 115	Q3
2Y	+0.01%	+1.11%	-1.09	63 / 111	Q3
3Y	+0.02%	+1.16%	-1.14	56 / 101	Q3
4Y	+0.02%	+1.03%	-1.01	49 / 93	Q3
5Y	+0.02%	+0.80%	-0.78	45 / 84	Q3
7Y	+0.00%	+0.51%	-0.51	41 / 78	Q3
10Y	+0.00%	+0.67%	-0.67	46 / 71	Q3
Inception	+0.02%	+1.28%	-1.26	70 / 114	Q3

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	+0.03%	+1.42%	-1.40	40 / 73
2025	-0.02%	+2.57%	-2.59	61 / 69
2024	-0.10%	+2.54%	-2.64	66 / 71
2023	-0.01%	+2.47%	-2.48	60 / 66
2022	+0.05%	+1.48%	-1.43	41 / 70
2021	+0.00%	+1.01%	-1.01	43 / 80
2020	+0.00%	+0.34%	-0.33	44 / 87
2019	-0.01%	+2.59%	-2.60	68 / 87
2018	+0.03%	+2.60%	-2.57	49 / 88
2017	-0.02%	+2.32%	-2.33	75 / 85
2016	-0.02%	+2.45%	-2.46	52 / 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

+0.00%

235 windows

min -0.2% · max 0.5%

66% positive

3-Year rolling

+0.00%

211 windows

min -0.1% · max 0.1%

56% positive

5-Year rolling

+0.00%

185 windows

min 0.0% · max 0.0%

41% positive

7-Year rolling

0.00%

162 windows

min 0.0% · max 0.1%

38% 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

0.19%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.31%

Apr 2025 → Jul 2026

% positive months

63.9%

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	₹1,032.0516
24 Jul 2026	₹1,031.7175
23 Jul 2026	₹1,031.4617
22 Jul 2026	₹1,031.2524
21 Jul 2026	₹1,031.1780
20 Jul 2026	₹1,032.1050
19 Jul 2026	₹1,031.9740
17 Jul 2026	₹1,031.6427
16 Jul 2026	₹1,031.3531
15 Jul 2026	₹1,031.1500

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 HDFC Liquid Fund - IDCW Plan Weekly is ₹1,032.0516. It's a Liquid Fund from HDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Liquid Fund - IDCW Plan Weekly has NAV history starting from 01 May 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.

HDFC Liquid Fund - IDCW Plan Weekly is managed by HDFC. 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, HDFC Liquid Fund - IDCW Plan Weekly has delivered a absolute return of 0.04% — -0.83 pp behind the Liquid Fund category average of 0.87%. The fund ranks #60 of 115 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HDFC Liquid Fund - IDCW Plan Weekly has delivered a CAGR of 0.02% — -1.14 pp behind the Liquid Fund category average of 1.16%. The fund ranks #56 of 101 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC Liquid Fund - IDCW Plan Weekly has delivered a CAGR of 0.02% — -0.78 pp behind the Liquid Fund category average of 0.80%. The fund ranks #45 of 84 in its category — the third (Q3) quartile.

₹1 lakh invested in HDFC Liquid Fund - IDCW Plan Weekly exactly 10 years ago would be worth approximately ₹100,041 today — a multiplier of 1.00×, based on the 10-year CAGR of 0.00%. The category average over the same window would have grown ₹1 lakh to ₹106,919.

A ₹10,000 monthly SIP in HDFC Liquid Fund - IDCW Plan Weekly over the last 5 years — total invested ₹600,000 — would be worth ₹600,222 today. That's an XIRR (money-weighted annualised return) of 0.01%.

A ₹10,000 monthly SIP for 10 years in HDFC Liquid Fund - IDCW Plan Weekly = ₹1,200,000 invested. It would currently be worth ₹1,200,455 (multiplier 1.00×). XIRR: 0.01%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Liquid Fund - IDCW Plan Weekly ranks #45 out of 84 funds in the Liquid Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 0.80%; this fund delivered 0.02%.

The worst peak-to-trough decline HDFC Liquid Fund - IDCW Plan Weekly has experienced over the last 5-year window is 0.31% — its NAV fell from a high on 02 Apr 2025 to a low on 07 Jul 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, HDFC Liquid Fund - IDCW Plan Weekly averaged 0.00% (best 0.04%, worst -0.02%). 41% of rolling windows ended positive.

In calendar year 2025, HDFC Liquid Fund - IDCW Plan Weekly returned -0.02% — lagging the Liquid Fund category average of 2.57% by 2.59 pp. It ranked #61 of 69 in its category that year.

HDFC Liquid Fund - IDCW Plan Weekly 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. HDFC Liquid Fund - IDCW Plan Weekly 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: 0.3%. 5-year CAGR: 0.02%.

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

HDFC Liquid Fund - IDCW Plan Weekly

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

More from HDFC