Should I invest in HDFC Liquid Fund-PREMIUM?

We don't give personal investment advice. HDFC Liquid Fund-PREMIUM- 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: 7.69%.

HDFC

HDFC Liquid Fund-PREMIUM- Growth

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).

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	+0.02%	-3.56%	+3.58	15 / 84	Q1
1W	+0.14%	-3.52%	+3.66	13 / 84	Q1
2W	+0.27%	-3.50%	+3.78	9 / 84	Q1
1M	+0.58%	-6.74%	+7.32	8 / 87	Q1
3M	+1.81%	-6.22%	+8.03	10 / 86	Q1
6M	+3.70%	-6.43%	+10.13	7 / 84	Q1
YTD	+2.58%	-6.15%	+8.73	16 / 85	Q1
1Y	+7.47%	-5.38%	+12.86	6 / 84	Q1
2Y	+7.10%	-6.52%	+13.62	5 / 86	Q1
3Y	+7.10%	-6.38%	+13.48	7 / 85	Q1
4Y	+7.38%	-7.58%	+14.96	6 / 74	Q1
5Y	+7.69%	-4.41%	+12.10	6 / 61	Q1
7Y	+8.16%	+0.51%	+7.65	3 / 50	Q1
10Y	+7.81%	+0.08%	+7.73	3 / 47	Q1
Inception	+7.86%	-6.05%	+13.91	3 / 88	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
2019 YTD	+2.58%	+2.92%	-0.34	13 / 24
2018	+7.32%	+1.53%	+5.78	2 / 32
2017	+6.60%	+2.08%	+4.52	5 / 40
2016	+7.67%	+2.54%	+5.13	5 / 49
2015	+8.38%	+2.88%	+5.50	4 / 50
2014	+9.13%	+2.21%	+6.92	4 / 50
2013	+9.33%	+2.22%	+7.10	3 / 51
2012	+9.58%	+2.94%	+6.65	7 / 58
2011	+8.91%	-4.13%	+13.04	8 / 67
2010	+5.41%	-2.87%	+8.27	8 / 68
2009	+5.52%	-0.61%	+6.13	3 / 63

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

+7.92%

148 windows

min 4.5% · max 9.8%

100% positive

3-Year rolling

+7.98%

124 windows

min 6.6% · max 9.4%

100% positive

5-Year rolling

+8.14%

99 windows

min 7.1% · max 9.1%

100% positive

7-Year rolling

+8.20%

75 windows

min 7.7% · max 8.6%

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

0.16%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.00%

Peak to trough

% 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
10 May 2019	₹3,764.8175
9 May 2019	₹3,764.0915
8 May 2019	₹3,763.3378
7 May 2019	₹3,762.5593
6 May 2019	₹3,761.7657
5 May 2019	₹3,761.0218
3 May 2019	₹3,759.5496
2 May 2019	₹3,758.8374
1 May 2019	₹3,758.1724
30 Apr 2019	₹3,757.4349

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.

HDFC Liquid Fund-PREMIUM- Growth is a Liquid from HDFC (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

HDFC Liquid Fund-PREMIUM- Growth 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.

HDFC Liquid Fund-PREMIUM- Growth is managed by HDFC. It's classified by AMFI under the 'Liquid' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Liquid Fund-PREMIUM- Growth has delivered a absolute return of 7.47% — +12.86 pp ahead of the Liquid category average of -5.38%. The fund ranks #6 of 84 in its category — the top (Q1) quartile.

Over the trailing 3-year window, HDFC Liquid Fund-PREMIUM- Growth has delivered a CAGR of 7.10% — +13.48 pp ahead of the Liquid category average of -6.38%. The fund ranks #7 of 85 in its category — the top (Q1) quartile.

Over the trailing 5-year window, HDFC Liquid Fund-PREMIUM- Growth has delivered a CAGR of 7.69% — +12.1 pp ahead of the Liquid category average of -4.41%. The fund ranks #6 of 61 in its category — the top (Q1) quartile.

₹1 lakh invested in HDFC Liquid Fund-PREMIUM- Growth exactly 10 years ago would be worth approximately ₹212,179 today — a multiplier of 2.12×, based on the 10-year CAGR of 7.81%. The category average over the same window would have grown ₹1 lakh to ₹100,791.

A ₹10,000 monthly SIP in HDFC Liquid Fund-PREMIUM- Growth over the last 5 years — total invested ₹600,000 — would be worth ₹722,323 today. That's an XIRR (money-weighted annualised return) of 7.36%.

A ₹10,000 monthly SIP for 10 years in HDFC Liquid Fund-PREMIUM- Growth = ₹1,200,000 invested. It would currently be worth ₹1,809,857 (multiplier 1.51×). XIRR: 7.97%. 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-PREMIUM- Growth ranks #6 out of 61 funds in the Liquid category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -4.41%; this fund delivered 7.69%.

The worst peak-to-trough decline HDFC Liquid Fund-PREMIUM- Growth has experienced over the last 5-year window is 0.00%. 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-PREMIUM- Growth averaged 8.14% (best 9.09%, worst 7.10%). 100% of rolling windows ended positive.

In calendar year 2018, HDFC Liquid Fund-PREMIUM- Growth returned 7.32% — beating the Liquid category average of 1.53% by 5.78 pp. It ranked #2 of 32 in its category that year.

HDFC Liquid Fund-PREMIUM- 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. HDFC Liquid Fund-PREMIUM- 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: 7.69%.

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

HDFC Liquid Fund-PREMIUM- Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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