Should I invest in HDFC Liquid Fund-Premium Plus Plan?

We don't give personal investment advice. HDFC Liquid Fund-Premium Plus Plan - Dividend-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: 20.2%. 5-year CAGR: -4.25%.

HDFC

HDFC Liquid Fund-Premium Plus Plan - Dividend-Weekly

Latest NAV

₹10.0000

As of

14 May 2012

1,797 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	+0.00%	-0.84%	+0.84	77 / 117	Q3
1W	-1.61%	-1.30%	-0.31	114 / 116	Q4
2W	-1.43%	-1.26%	-0.17	114 / 116	Q4
1M	-1.01%	-1.18%	+0.17	113 / 115	Q4
3M	+0.00%	-0.77%	+0.77	77 / 115	Q3
6M	-0.45%	-0.25%	-0.20	113 / 116	Q4
YTD	+0.00%	-0.28%	+0.28	72 / 116	Q3
1Y	-0.43%	+0.81%	-1.24	110 / 115	Q4
2Y	+0.00%	+1.09%	-1.09	68 / 111	Q3
3Y	-6.98%	+1.15%	-8.13	99 / 101	Q4
4Y	-5.29%	+1.01%	-6.29	90 / 92	Q4
5Y	-4.25%	+0.76%	-5.01	82 / 84	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-3.56%	+1.27%	-4.84	111 / 114	Q4

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
2012 YTD	+0.00%	-1.05%	+1.05	10 / 18
2011	+0.00%	+3.35%	-3.35	9 / 14
2010	-0.02%	+1.97%	-1.99	13 / 13
2009	-19.51%	-2.33%	-17.19	5 / 5
2008	+0.02%	+3.19%	-3.17	3 / 5
2007	+0.03%	+2.73%	-2.70	3 / 3
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

-3.86%

60 windows

min -19.9% · max 1.0%

48% positive

3-Year rolling

-5.79%

36 windows

min -7.0% · max 0.2%

14% positive

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

5-Year rolling

-4.21%

12 windows

min -4.2% · max -4.1%

0% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

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

11.14%

3-year · annualised

Sharpe ratio

-1.17

vs risk-free 6.5%

Sortino ratio

-1.15

Downside-only deviation

Max drawdown

-20.17%

Oct 2009 → Dec 2009

% positive months

38.9%

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-Dividend - Daily	HDFC	₹1,019.8200	3 Jun 2026
NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION	Nippon India	₹1,017.6155	3 Jun 2026
ICICI Prudential Liquid Fund - IDCW Others	ICICI Prudential	₹189.7289	3 Jun 2026
Invesco India Liquid Fund - Unclaimed Dividend Plan - Above 3 Years	Invesco	₹1,000.0000	3 Jun 2026
BANDHAN LIQUID Fund - Unclaimed IDCW Less than 3 years	Bandhan	₹1.7935	3 Jun 2026
Quantum Liquid Fund - Unclaimed IDCW Plan Above 3 years	Quantum	₹10.0000	3 Jun 2026
Motilal Oswal Liquid Fund - Unclaimed Dividend - Greater than 3 years	Motilal Oswal	₹10.0000	3 Jun 2026
Templeton India Treasury Management - Institution-Daily	Franklin Templeton	₹1,000.0000	3 Jun 2026
Mirae Asset Cash Management Fund - Daily Dividend	Mirae Asset	₹1,066.4347	3 Jun 2026
HSBC Liquid Fund - IDCW	HSBC	₹1,019.3000	3 Jun 2026

Recent NAVs

Date	NAV
14 May 2012	₹10.0000
13 May 2012	₹10.0000
11 May 2012	₹10.0000
10 May 2012	₹10.0000
9 May 2012	₹10.0552
8 May 2012	₹10.0526
7 May 2012	₹10.1637
6 May 2012	₹10.1609
4 May 2012	₹10.1557
3 May 2012	₹10.1530

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 14 May 2012, the NAV of HDFC Liquid Fund-Premium Plus Plan - Dividend-Weekly is ₹10.0000. 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-Premium Plus Plan - Dividend-Weekly has NAV history starting from 18 Jun 2006, a track record of about 19 years 11 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 Plus Plan - Dividend-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-Premium Plus Plan - Dividend-Weekly has delivered a absolute return of -0.43% — -1.24 pp behind the Liquid Fund category average of 0.81%. The fund ranks #110 of 115 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Liquid Fund-Premium Plus Plan - Dividend-Weekly has delivered a CAGR of -6.98% — -8.13 pp behind the Liquid Fund category average of 1.15%. The fund ranks #99 of 101 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HDFC Liquid Fund-Premium Plus Plan - Dividend-Weekly has delivered a CAGR of -4.25% — -5.01 pp behind the Liquid Fund category average of 0.76%. The fund ranks #82 of 84 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HDFC Liquid Fund-Premium Plus Plan - Dividend-Weekly exactly 5 years ago would be worth approximately ₹80,499 today — a multiplier of 0.80×, based on the 5-year CAGR of -4.25%. The category average over the same window would have grown ₹1 lakh to ₹103,865.

A ₹10,000 monthly SIP in HDFC Liquid Fund-Premium Plus Plan - Dividend-Weekly over the last 5 years — total invested ₹600,000 — would be worth ₹539,013 today. That's an XIRR (money-weighted annualised return) of -4.20%.

HDFC Liquid Fund-Premium Plus Plan - Dividend-Weekly doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹539,013 — XIRR -4.20%.

On a 5-year basis, HDFC Liquid Fund-Premium Plus Plan - Dividend-Weekly ranks #82 out of 84 funds in the Liquid Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 0.76%; this fund delivered -4.25%.

The worst peak-to-trough decline HDFC Liquid Fund-Premium Plus Plan - Dividend-Weekly has experienced over the last 5-year window is 20.17% — its NAV fell from a high on 20 Oct 2009 to a low on 30 Dec 2009. 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 Plus Plan - Dividend-Weekly averaged -4.21% (best -4.07%, worst -4.25%). 0% of rolling windows ended positive. The 5-year Sharpe ratio is -1.20 — negative risk-adjusted performance.

In calendar year 2011, HDFC Liquid Fund-Premium Plus Plan - Dividend-Weekly returned 0.00% — lagging the Liquid Fund category average of 3.35% by 3.35 pp. It ranked #9 of 14 in its category that year.

HDFC Liquid Fund-Premium Plus Plan - Dividend-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-Premium Plus Plan - Dividend-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: 20.2%. 5-year CAGR: -4.25%.

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