Should I invest in ICICI Prudential Liquid Fund?

We don't give personal investment advice. ICICI Prudential Liquid Fund - IDCW Others 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: 4.0%. 5-year CAGR: 5.28%.

ICICI Prudential

ICICI Prudential Liquid Fund - IDCW Others

Latest NAV

₹191.4582

As of

19 Jul 2026

3,812 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	+0.03%	-0.82%	+0.85	36 / 117	Q2
1W	+0.11%	-1.29%	+1.40	34 / 116	Q2
2W	+0.20%	-1.24%	+1.44	41 / 116	Q2
1M	+0.54%	-1.16%	+1.70	14 / 115	Q1
3M	+1.58%	-0.80%	+2.38	12 / 115	Q1
6M	+3.31%	-0.21%	+3.51	16 / 116	Q1
YTD	+3.55%	-0.05%	+3.60	14 / 116	Q1
1Y	+6.25%	+0.85%	+5.40	15 / 115	Q1
2Y	+6.66%	+1.10%	+5.56	11 / 111	Q1
3Y	+6.87%	+1.15%	+5.71	9 / 101	Q1
4Y	+6.77%	+1.03%	+5.74	8 / 92	Q1
5Y	+5.28%	+0.79%	+4.48	28 / 84	Q2
7Y	+4.35%	+0.51%	+3.84	25 / 78	Q2
10Y	+5.16%	+0.67%	+4.49	24 / 71	Q2
Inception	+4.40%	+1.28%	+3.12	38 / 114	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
2026 YTD	+3.55%	+1.37%	+2.18	11 / 73
2025	+6.45%	+2.57%	+3.88	13 / 69
2024	+7.33%	+2.54%	+4.79	7 / 71
2023	+6.97%	+2.47%	+4.50	11 / 66
2022	+0.59%	+1.48%	-0.89	27 / 70
2021	-1.11%	+1.01%	-2.12	76 / 80
2020	+4.26%	+0.34%	+3.92	7 / 87
2019	+6.57%	+2.59%	+3.98	13 / 87
2018	+7.38%	+2.60%	+4.77	17 / 88
2017	+6.60%	+2.32%	+4.28	19 / 85
2016	+7.64%	+2.45%	+5.19	8 / 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

+5.33%

141 windows

min -1.2% · max 8.6%

87% positive

3-Year rolling

+5.09%

118 windows

min 1.1% · max 7.7%

100% positive

5-Year rolling

+4.75%

93 windows

min 2.9% · max 7.5%

100% positive

7-Year rolling

+4.71%

69 windows

min 4.0% · max 6.2%

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

0.28%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.01%

Jul 2026 → Jul 2026

% 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.

Peers in Liquid Fund

Scheme	Fund house	NAV	As of
HDFC Liquid Fund-Dividend - Daily	HDFC	₹1,019.8200	19 Jul 2026
NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION	Nippon India	₹1,009.0827	19 Jul 2026
Invesco India Liquid Fund - Unclaimed Dividend Plan - Above 3 Years	Invesco	₹1,000.0000	19 Jul 2026
BANDHAN LIQUID Fund - Unclaimed IDCW Less than 3 years	Bandhan	₹1.8099	19 Jul 2026
Quantum Liquid Fund - Unclaimed IDCW Plan Above 3 years	Quantum	₹10.0000	19 Jul 2026
Motilal Oswal Liquid Fund - Unclaimed Dividend - Greater than 3 years	Motilal Oswal	₹10.0000	19 Jul 2026
Templeton India Treasury Management - Institution-Daily	Franklin Templeton	₹1,000.0000	19 Jul 2026
Mirae Asset Cash Management Fund - Daily Dividend	Mirae Asset	₹1,066.4347	19 Jul 2026
HSBC Liquid Fund - IDCW	HSBC	₹1,019.3000	19 Jul 2026
BARODA PIONEER LIQUID FUND INSTITUITIONAL PLAN - DAILY DIVIDEND OPTION	Baroda Pioneer	₹1,001.1996	19 Jul 2026

Recent NAVs

Date	NAV
19 Jul 2026	₹191.4582
17 Jul 2026	₹191.3963
16 Jul 2026	₹191.3433
15 Jul 2026	₹191.3037
14 Jul 2026	₹191.2819
13 Jul 2026	₹191.2772
12 Jul 2026	₹191.2507
10 Jul 2026	₹191.1894
9 Jul 2026	₹191.1303
8 Jul 2026	₹191.0847

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 19 Jul 2026, the NAV of ICICI Prudential Liquid Fund - IDCW Others is ₹191.4582. It's a Liquid Fund from ICICI Prudential, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Liquid Fund - IDCW Others has NAV history starting from 22 Jun 2011, a track record of about 15 years. 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.

ICICI Prudential Liquid Fund - IDCW Others 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 - IDCW Others has delivered a absolute return of 6.25% — +5.4 pp ahead of the Liquid Fund category average of 0.85%. The fund ranks #15 of 115 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Liquid Fund - IDCW Others has delivered a CAGR of 6.87% — +5.71 pp ahead of the Liquid Fund category average of 1.15%. The fund ranks #9 of 101 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ICICI Prudential Liquid Fund - IDCW Others has delivered a CAGR of 5.28% — +4.48 pp ahead of the Liquid Fund category average of 0.79%. The fund ranks #28 of 84 in its category — the second (Q2) quartile.

₹1 lakh invested in ICICI Prudential Liquid Fund - IDCW Others exactly 10 years ago would be worth approximately ₹165,326 today — a multiplier of 1.65×, based on the 10-year CAGR of 5.16%. The category average over the same window would have grown ₹1 lakh to ₹106,891.

A ₹10,000 monthly SIP in ICICI Prudential Liquid Fund - IDCW Others over the last 5 years — total invested ₹600,000 — would be worth ₹705,132 today. That's an XIRR (money-weighted annualised return) of 6.39%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Liquid Fund - IDCW Others = ₹1,200,000 invested. It would currently be worth ₹1,556,515 (multiplier 1.30×). XIRR: 5.08%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, ICICI Prudential Liquid Fund - IDCW Others ranks #28 out of 84 funds in the Liquid Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 0.79%; this fund delivered 5.28%.

The worst peak-to-trough decline ICICI Prudential Liquid Fund - IDCW Others has experienced over the last 5-year window is 3.95% — its NAV fell from a high on 16 Mar 2022 to a low on 17 Mar 2022. 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 - IDCW Others averaged 4.75% (best 7.50%, worst 2.92%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.70 — negative risk-adjusted performance.

In calendar year 2025, ICICI Prudential Liquid Fund - IDCW Others returned 6.45% — beating the Liquid Fund category average of 2.57% by 3.88 pp. It ranked #13 of 69 in its category that year.

ICICI Prudential Liquid Fund - IDCW Others 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 - IDCW Others 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: 4.0%. 5-year CAGR: 5.28%.

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

ICICI Prudential Liquid Fund - IDCW Others

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

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