Should I invest in ICICI Prudential Liquid Plan-?

We don't give personal investment advice. ICICI Prudential Liquid Plan--Dividend Monthly- 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: 1.3%. 5-year CAGR: -0.06%.

ICICI Prudential

ICICI Prudential Liquid Plan--Dividend Monthly-

Unit split applied to historical metrics

This scheme had a 10× unit consolidation on 2 Nov 2009. 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

₹100.5372

As of

24 Apr 2020

4,302 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%	-0.84%	+0.85	65 / 117	Q3
1W	+0.13%	-1.30%	+1.42	38 / 116	Q2
2W	+0.25%	-1.26%	+1.52	6 / 116	Q1
1M	+0.31%	-1.18%	+1.49	40 / 115	Q2
3M	+0.11%	-0.77%	+0.88	51 / 115	Q2
6M	-0.02%	-0.25%	+0.23	108 / 116	Q4
YTD	+0.40%	-0.28%	+0.68	51 / 116	Q2
1Y	-0.15%	+0.81%	-0.95	108 / 115	Q4
2Y	-0.09%	+1.09%	-1.18	103 / 111	Q4
3Y	-0.01%	+1.15%	-1.16	79 / 101	Q4
4Y	-0.05%	+1.01%	-1.06	82 / 92	Q4
5Y	-0.06%	+0.76%	-0.82	75 / 84	Q4
7Y	+0.05%	+0.50%	-0.45	31 / 78	Q2
10Y	+0.01%	+0.67%	-0.65	35 / 71	Q2
Inception	-1.16%	+1.27%	-2.43	109 / 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
2020 YTD	+0.40%	+0.34%	+0.06	36 / 87
2019	-0.09%	+2.59%	-2.68	82 / 87
2018	0.00%	+2.60%	-2.60	77 / 88
2017	+0.01%	+2.32%	-2.30	40 / 85
2016	-0.06%	+2.45%	-2.51	60 / 64
2015	0.00%	+2.28%	-2.29	11 / 17
2014	0.00%	+2.09%	-2.09	13 / 16
2013	-0.10%	+2.30%	-2.40	14 / 16
2012	+0.03%	-1.05%	+1.09	6 / 18
2011	-0.04%	+3.35%	-3.39	14 / 14
2010	+0.12%	+1.97%	-1.85	7 / 13

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

-1.15%

160 windows

min -17.0% · max 1.7%

45% positive

3-Year rolling

-1.47%

135 windows

min -6.0% · max 0.3%

21% positive

5-Year rolling

-1.07%

111 windows

min -3.5% · max 0.1%

24% positive

7-Year rolling

-1.00%

87 windows

min -2.6% · max 0.1%

29% 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

0.30%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.21%

Nov 2018 → Jan 2019

% positive months

50.0%

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	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
24 Apr 2020	₹100.5372
23 Apr 2020	₹100.5279
22 Apr 2020	₹100.5075
21 Apr 2020	₹100.4765
20 Apr 2020	₹100.4580
19 Apr 2020	₹100.4329
17 Apr 2020	₹100.4106
16 Apr 2020	₹100.3723
15 Apr 2020	₹100.3565
14 Apr 2020	₹100.3463

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 24 Apr 2020, the NAV of ICICI Prudential Liquid Plan--Dividend Monthly- is ₹100.5372. 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 Plan--Dividend Monthly- 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.

ICICI Prudential Liquid Plan--Dividend Monthly- 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 Plan--Dividend Monthly- has delivered a absolute return of -0.15% — -0.95 pp behind the Liquid Fund category average of 0.81%. The fund ranks #108 of 115 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, ICICI Prudential Liquid Plan--Dividend Monthly- has delivered a CAGR of -0.01% — -1.16 pp behind the Liquid Fund category average of 1.15%. The fund ranks #79 of 101 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ICICI Prudential Liquid Plan--Dividend Monthly- has delivered a CAGR of -0.06% — -0.82 pp behind the Liquid Fund category average of 0.76%. The fund ranks #75 of 84 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ICICI Prudential Liquid Plan--Dividend Monthly- exactly 10 years ago would be worth approximately ₹100,133 today — a multiplier of 1.00×, based on the 10-year CAGR of 0.01%. The category average over the same window would have grown ₹1 lakh to ₹106,873.

A ₹10,000 monthly SIP in ICICI Prudential Liquid Plan--Dividend Monthly- over the last 5 years — total invested ₹600,000 — would be worth ₹599,779 today. That's an XIRR (money-weighted annualised return) of -0.01%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Liquid Plan--Dividend Monthly- = ₹1,200,000 invested. It would currently be worth ₹1,199,351 (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, ICICI Prudential Liquid Plan--Dividend Monthly- ranks #75 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 -0.06%.

The worst peak-to-trough decline ICICI Prudential Liquid Plan--Dividend Monthly- has experienced over the last 5-year window is 1.35% — its NAV fell from a high on 28 Apr 2015 to a low on 31 Jan 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 Plan--Dividend Monthly- averaged -1.07% (best 0.10%, worst -3.53%). 24% of rolling windows ended positive.

In calendar year 2019, ICICI Prudential Liquid Plan--Dividend Monthly- returned -0.09% — lagging the Liquid Fund category average of 2.59% by 2.68 pp. It ranked #82 of 87 in its category that year.

ICICI Prudential Liquid Plan--Dividend Monthly- 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 Plan--Dividend Monthly- 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: 1.3%. 5-year CAGR: -0.06%.

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