Should I invest in ICICI Prudential Liquid Plan-?

We don't give personal investment advice. ICICI Prudential Liquid Plan--Institutional Plan - Dividend- 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: 0.4%. 5-year CAGR: 0.02%.

ICICI Prudential

ICICI Prudential Liquid Plan--Institutional Plan - Dividend-

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

₹118.6133

As of

28 Sep 2015

2,903 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	+0.02%	+0.01%	+0.01	1 / 46	Q1
1W	0.00%	+0.06%	-0.06	43 / 46	Q4
2W	+0.01%	+0.10%	-0.09	26 / 46	Q3
1M	+0.06%	+0.22%	-0.16	24 / 46	Q3
3M	-0.01%	+0.67%	-0.68	46 / 46	Q4
6M	-0.02%	+1.27%	-1.29	46 / 46	Q4
YTD	+0.07%	+1.06%	-0.99	23 / 46	Q2
1Y	+0.01%	+2.35%	-2.34	30 / 46	Q3
2Y	+0.02%	+2.56%	-2.54	28 / 46	Q3
3Y	+0.02%	+2.62%	-2.61	28 / 46	Q3
4Y	+0.02%	+2.68%	-2.66	29 / 45	Q3
5Y	+0.02%	+2.48%	-2.46	26 / 45	Q3
7Y	0.00%	+2.34%	-2.34	41 / 45	Q4
10Y	—	—	—	—	—
Inception	+0.01%	+2.49%	-2.49	30 / 42	Q3

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
2015 YTD	+0.07%	+2.20%	-2.12	3 / 7
2014	0.00%	+2.52%	-2.53	7 / 7
2013	+0.00%	+2.78%	-2.78	3 / 6
2012	+0.00%	+3.08%	-3.08	4 / 6
2011	+0.02%	+3.43%	-3.41	3 / 5
2010	+0.05%	+2.09%	-2.04	3 / 5
2009	-0.03%	-0.03%	+0.00	1 / 1
2008	+0.03%	+0.03%	+0.00	1 / 1
2007	+0.02%	+0.02%	+0.00	1 / 1
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

+0.02%

104 windows

min -0.2% · max 1.2%

71% positive

3-Year rolling

+0.01%

80 windows

min 0.0% · max 0.4%

63% positive

5-Year rolling

+0.01%

55 windows

min 0.0% · max 0.0%

67% positive

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

7-Year rolling

+0.01%

31 windows

min 0.0% · max 0.0%

94% 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

0.22%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.37%

Apr 2013 → Jul 2013

% positive months

66.7%

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
28 Sep 2015	₹118.6133
27 Sep 2015	₹118.5893
24 Sep 2015	₹118.5199
23 Sep 2015	₹118.4970
22 Sep 2015	₹118.4739
21 Sep 2015	₹118.6136
20 Sep 2015	₹118.5903
18 Sep 2015	₹118.5443
17 Sep 2015	₹118.5194
16 Sep 2015	₹118.4966

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 28 Sep 2015, the NAV of ICICI Prudential Liquid Plan--Institutional Plan - Dividend- is ₹118.6133. 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 Plan - Dividend- 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--Institutional Plan - Dividend- 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 Plan - Dividend- has delivered a absolute return of 0.01% — -2.34 pp behind the Liquid Fund category average of 2.35%. The fund ranks #30 of 46 in its category — the third (Q3) quartile.

Over the trailing 3-year window, ICICI Prudential Liquid Plan--Institutional Plan - Dividend- has delivered a CAGR of 0.02% — -2.61 pp behind the Liquid Fund category average of 2.62%. The fund ranks #28 of 46 in its category — the third (Q3) quartile.

Over the trailing 5-year window, ICICI Prudential Liquid Plan--Institutional Plan - Dividend- has delivered a CAGR of 0.02% — -2.46 pp behind the Liquid Fund category average of 2.48%. The fund ranks #26 of 45 in its category — the third (Q3) quartile.

₹1 lakh invested in ICICI Prudential Liquid Plan--Institutional Plan - Dividend- exactly 5 years ago would be worth approximately ₹100,121 today — a multiplier of 1.00×, based on the 5-year CAGR of 0.02%. 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 Plan - Dividend- over the last 5 years — total invested ₹600,000 — would be worth ₹600,337 today. That's an XIRR (money-weighted annualised return) of 0.02%.

ICICI Prudential Liquid Plan--Institutional Plan - Dividend- doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹840,590 — XIRR 0.02%.

On a 5-year basis, ICICI Prudential Liquid Plan--Institutional Plan - Dividend- ranks #26 out of 45 funds in the Liquid Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 2.48%; this fund delivered 0.02%.

The worst peak-to-trough decline ICICI Prudential Liquid Plan--Institutional Plan - Dividend- has experienced over the last 5-year window is 0.37% — its NAV fell from a high on 08 Apr 2013 to a low on 16 Jul 2013. 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 Plan - Dividend- averaged 0.01% (best 0.04%, worst -0.01%). 67% of rolling windows ended positive.

In calendar year 2014, ICICI Prudential Liquid Plan--Institutional Plan - Dividend- returned -0.00% — lagging the Liquid Fund category average of 2.52% by 2.53 pp. It ranked #7 of 7 in its category that year.

ICICI Prudential Liquid Plan--Institutional Plan - Dividend- 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 Plan - Dividend- 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: 0.4%. 5-year CAGR: 0.02%.

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

ICICI Prudential Liquid Plan--Institutional Plan - Dividend-

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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