ICICI Prudential

ICICI Prudential Liquid Plan - Institutional Annual Dividend Option

Unit split applied to historical metrics

This scheme had a 10× unit consolidation on 17 Jun 2013. 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

₹103.8506

As of

16 Sep 2022

2,762 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%	+0.01%	+0.00	31 / 46	Q3
1W	+0.08%	+0.06%	+0.02	21 / 46	Q2
2W	+0.19%	+0.10%	+0.09	20 / 46	Q2
1M	+0.42%	+0.22%	+0.20	19 / 46	Q2
3M	+1.24%	+0.67%	+0.57	19 / 46	Q2
6M	+2.19%	+1.27%	+0.93	19 / 46	Q2
YTD	+2.92%	+1.06%	+1.86	1 / 46	Q1
1Y	+0.68%	+2.35%	-1.67	19 / 46	Q2
2Y	-0.48%	+2.56%	-3.04	46 / 46	Q4
3Y	-1.04%	+2.62%	-3.66	46 / 46	Q4
4Y	-0.74%	+2.68%	-3.42	45 / 45	Q4
5Y	-0.53%	+2.48%	-3.01	45 / 45	Q4
7Y	+0.53%	+2.34%	-1.81	21 / 45	Q2
10Y	—	—	—	—	—
Inception	+0.29%	+2.49%	-2.21	18 / 42	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	+2.92%	+2.16%	+0.77	18 / 40
2021	+0.02%	+1.46%	-1.45	20 / 40
2020	-0.61%	+1.63%	-2.24	44 / 44
2019	-0.61%	+2.29%	-2.90	45 / 45
2018	+0.29%	+2.61%	-2.32	17 / 45
2017	-0.10%	+2.33%	-2.42	45 / 45
2016	-0.41%	+2.72%	-3.13	44 / 44
2015	-0.13%	+2.20%	-2.33	7 / 7
2014	+1.44%	+2.52%	-1.08	3 / 7
2013	—	—	—	—
2012	—	—	—	—

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

-0.10%

99 windows

min -6.9% · max 7.9%

43% positive

3-Year rolling

-0.24%

75 windows

min -1.2% · max 2.6%

12% positive

5-Year rolling

-0.17%

53 windows

min -0.9% · max 1.3%

23% positive

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

7-Year rolling

-0.13%

29 windows

min -0.6% · max 1.0%

21% 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

4.86%

3-year · annualised

Sharpe ratio

-1.53

vs risk-free 6.5%

Sortino ratio

-1.57

Downside-only deviation

Max drawdown

-6.73%

Sep 2019 → Sep 2021

% 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
SBI Premier Liquid Fund - Institutional - Daily Dividend	SBI	₹1,398.0143	3 Jun 2026
ICICI Prudential Liquid Plan - -Super Institutional Dividend Daily	ICICI Prudential	₹100.1482	3 Jun 2026
Templeton India Treasury Management Account-Super Institutional Plan - Daily Dividend	Franklin Templeton	₹1,000.0000	3 Jun 2026
Kotak Liquid-Institutional Premium Plan - (Daily Dividend)	Kotak Mahindra	₹1,262.0921	3 Jun 2026
DSP BlackRock Liquidity Fund- Institutional Plan-Daily Dividend	DSP BlackRock	₹1,001.4663	3 Jun 2026
HSBC Liquid Fund - Institutional Daily IDCW	HSBC	₹1,562.8262	3 Jun 2026
Canara Robeco Liquid-Super Institutional-Daily Div Reinvest.	Canara Robeco	₹1,005.5000	3 Jun 2026
Tata Floating Short Term Institutional Plan (Growth)	UTI	₹4,344.9468	3 Jun 2026
Birla Sun Life Cash Plus-Institutional - Weekly Dividend	Birla Sun Life	₹108.2863	3 Jun 2026
JM High Liquidity Fund-Super Institutional Plan- Growth	JM Financial	₹43.2368	3 Jun 2026

Recent NAVs

Date	NAV
16 Sep 2022	₹103.8506
15 Sep 2022	₹103.8415
14 Sep 2022	₹103.8297
13 Sep 2022	₹103.8199
12 Sep 2022	₹103.8074
11 Sep 2022	₹103.7965
9 Sep 2022	₹103.7663
8 Sep 2022	₹103.7522
7 Sep 2022	₹103.7390
6 Sep 2022	₹103.7241

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 Plan - Institutional Annual Dividend Option is ₹103.8506. It's a Liquid Fund from ICICI Prudential, run as a Institutional plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Liquid Plan - Institutional Annual Dividend Option has NAV history starting from 16 Aug 2009, a track record of about 16 years 9 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 - Institutional Annual Dividend Option 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 - Institutional Annual Dividend Option has delivered a absolute return of 0.68% — -1.67 pp behind the Liquid Fund category average of 2.35%. The fund ranks #19 of 46 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ICICI Prudential Liquid Plan - Institutional Annual Dividend Option has delivered a CAGR of -1.04% — -3.66 pp behind the Liquid Fund category average of 2.62%. The fund ranks #46 of 46 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ICICI Prudential Liquid Plan - Institutional Annual Dividend Option has delivered a CAGR of -0.53% — -3.01 pp behind the Liquid Fund category average of 2.48%. The fund ranks #45 of 45 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ICICI Prudential Liquid Plan - Institutional Annual Dividend Option exactly 5 years ago would be worth approximately ₹97,389 today — a multiplier of 0.97×, based on the 5-year CAGR of -0.53%. The category average over the same window would have grown ₹1 lakh to ₹113,043.

A ₹10,000 monthly SIP in ICICI Prudential Liquid Plan - Institutional Annual Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹606,322 today. That's an XIRR (money-weighted annualised return) of 0.41%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Liquid Plan - Institutional Annual Dividend Option = ₹1,080,000 invested. It would currently be worth ₹1,086,949 (multiplier 1.01×). XIRR: 0.14%. 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 - Institutional Annual Dividend Option ranks #45 out of 45 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 2.48%; this fund delivered -0.53%.

The worst peak-to-trough decline ICICI Prudential Liquid Plan - Institutional Annual Dividend Option has experienced over the last 5-year window is 6.73% — its NAV fell from a high on 23 Sep 2019 to a low on 24 Sep 2021. 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 - Institutional Annual Dividend Option averaged -0.17% (best 1.34%, worst -0.92%). 23% of rolling windows ended positive. The 5-year Sharpe ratio is -1.26 — negative risk-adjusted performance.

In calendar year 2021, ICICI Prudential Liquid Plan - Institutional Annual Dividend Option returned 0.02% — lagging the Liquid Fund category average of 1.46% by 1.45 pp. It ranked #20 of 40 in its category that year.

ICICI Prudential Liquid Plan - Institutional Annual Dividend Option 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 - Institutional Annual Dividend Option 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: 6.7%. 5-year CAGR: -0.53%.

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