Should I invest in ICICI Prudential Liquid Fund - Annual IDCW?

We don't give personal investment advice. ICICI Prudential Liquid Fund - Direct Plan - Annual 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: 6.8%. 5-year CAGR: -0.51%.

ICICI Prudential

ICICI Prudential Liquid Fund - Direct Plan - Annual IDCW

Latest NAV

₹103.9850

As of

16 Sep 2022

2,820 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%	+0.01	89 / 139	Q3
1W	+0.08%	+0.04%	+0.05	57 / 138	Q2
2W	+0.19%	+0.05%	+0.14	38 / 138	Q2
1M	+0.43%	+0.11%	+0.33	32 / 138	Q1
3M	+1.27%	+0.30%	+0.97	28 / 138	Q1
6M	+2.24%	+0.41%	+1.82	26 / 135	Q1
YTD	+2.99%	+0.39%	+2.60	4 / 135	Q1
1Y	+0.66%	+1.00%	-0.34	32 / 128	Q1
2Y	-0.47%	+1.19%	-1.65	123 / 127	Q4
3Y	-1.02%	+1.40%	-2.42	119 / 122	Q4
4Y	-0.73%	+1.28%	-2.01	112 / 114	Q4
5Y	-0.51%	+1.19%	-1.70	110 / 113	Q4
7Y	+0.55%	+0.84%	-0.28	25 / 107	Q1
10Y	—	—	—	—	—
Inception	+0.42%	+1.24%	-0.82	51 / 139	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
2022 YTD	+2.99%	+1.11%	+1.88	22 / 116
2021	+0.02%	+0.45%	-0.43	31 / 107
2020	-0.57%	+0.35%	-0.92	107 / 110
2019	-0.61%	+1.19%	-1.80	98 / 99
2018	+0.29%	+1.03%	-0.74	24 / 91
2017	-0.09%	+1.12%	-1.20	81 / 87
2016	-0.42%	+1.02%	-1.44	73 / 73
2015	-0.13%	+2.77%	-2.90	5 / 6
2014	-2.81%	-0.77%	-2.04	4 / 4
2013	—	—	—	—

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

-0.37%

101 windows

min -10.8% · max 9.8%

36% positive

3-Year rolling

-0.40%

77 windows

min -1.6% · max 2.0%

5% positive

5-Year rolling

-0.34%

53 windows

min -0.9% · max 1.0%

8% positive

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

7-Year rolling

-0.43%

28 windows

min -1.2% · max 0.6%

14% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

4.93%

3-year · annualised

Sharpe ratio

-1.50

vs risk-free 6.5%

Sortino ratio

-1.54

Downside-only deviation

Max drawdown

-6.79%

Sep 2019 → Sep 2019

% positive months

91.7%

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 - IDCW Daily - Direct Plan	HDFC	₹1,019.8200	3 Jun 2026
NIPPON INDIA LIQUID FUND - DIRECT Plan - DAILY IDCW OPTION	Nippon India	₹1,528.7400	3 Jun 2026
SBI Liquid Fund - Direct Paln - Fortnightly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,423.4119	3 Jun 2026
ICICI Prudential Liquid Fund - Direct Plan - IDCW Others	ICICI Prudential	₹191.3611	3 Jun 2026
Invesco India Liquid Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment)	Invesco	₹1,083.5347	3 Jun 2026
BANDHAN LIQUID Fund -Direct Plan -Monthly IDCW	Bandhan	₹1,008.3799	3 Jun 2026
quant Liquid Fund - Monthly IDCW Option - Direct Plan	Quant	₹15.7591	3 Jun 2026
Aditya Birla Sun Life Liquid Fund -Direct - daily IDCW	Aditya Birla Sun Life	₹100.1950	3 Jun 2026
Motilal Oswal Liquid Fund Direct - IDCW Quarterly Payout/Reinvestment	Motilal Oswal	₹10.2338	3 Jun 2026
Franklin India Liquid Fund - Super Institutional Plan - Direct - Daily - IDCW	Franklin India	₹1,002.8152	3 Jun 2026

Recent NAVs

Date	NAV
16 Sep 2022	₹103.9850
15 Sep 2022	₹103.9755
14 Sep 2022	₹103.9635
13 Sep 2022	₹103.9534
12 Sep 2022	₹103.9406
11 Sep 2022	₹103.9295
9 Sep 2022	₹103.8987
8 Sep 2022	₹103.8844
7 Sep 2022	₹103.8709
6 Sep 2022	₹103.8557

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 16 Sep 2022, the NAV of ICICI Prudential Liquid Fund - Direct Plan - Annual IDCW is ₹103.9850. It's a Liquid Fund from ICICI Prudential, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Liquid Fund - Direct Plan - Annual IDCW has NAV history starting from 10 Jun 2013, a track record of about 12 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.

ICICI Prudential Liquid Fund - Direct Plan - Annual IDCW is managed by ICICI Prudential. 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, ICICI Prudential Liquid Fund - Direct Plan - Annual IDCW has delivered a absolute return of 0.66% — -0.34 pp behind the Liquid Fund category average of 1.00%. The fund ranks #32 of 128 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Liquid Fund - Direct Plan - Annual IDCW has delivered a CAGR of -1.02% — -2.42 pp behind the Liquid Fund category average of 1.40%. The fund ranks #119 of 122 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ICICI Prudential Liquid Fund - Direct Plan - Annual IDCW has delivered a CAGR of -0.51% — -1.7 pp behind the Liquid Fund category average of 1.19%. The fund ranks #110 of 113 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ICICI Prudential Liquid Fund - Direct Plan - Annual IDCW exactly 5 years ago would be worth approximately ₹97,475 today — a multiplier of 0.97×, based on the 5-year CAGR of -0.51%. The category average over the same window would have grown ₹1 lakh to ₹106,116.

A ₹10,000 monthly SIP in ICICI Prudential Liquid Fund - Direct Plan - Annual IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹606,754 today. That's an XIRR (money-weighted annualised return) of 0.44%.

ICICI Prudential Liquid Fund - Direct Plan - Annual IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹846,825 — XIRR 0.23%.

On a 5-year basis, ICICI Prudential Liquid Fund - Direct Plan - Annual IDCW ranks #110 out of 113 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 1.19%; this fund delivered -0.51%.

The worst peak-to-trough decline ICICI Prudential Liquid Fund - Direct Plan - Annual IDCW has experienced over the last 5-year window is 6.79% — its NAV fell from a high on 23 Sep 2019 to a low on 24 Sep 2019. 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, ICICI Prudential Liquid Fund - Direct Plan - Annual IDCW averaged -0.34% (best 0.97%, worst -0.90%). 8% of rolling windows ended positive. The 5-year Sharpe ratio is -1.24 — negative risk-adjusted performance.

In calendar year 2021, ICICI Prudential Liquid Fund - Direct Plan - Annual IDCW returned 0.02% — lagging the Liquid Fund category average of 0.45% by 0.43 pp. It ranked #31 of 107 in its category that year.

ICICI Prudential Liquid Fund - Direct Plan - Annual 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. ICICI Prudential Liquid Fund - Direct Plan - Annual 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: 6.8%. 5-year CAGR: -0.51%.

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