Should I invest in ICICI Prudential Liquid Plan-?

We don't give personal investment advice. ICICI Prudential Liquid Plan--Institutional Plan - Growth- 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: 0.2%. 5-year CAGR: 6.68%.

ICICI Prudential

ICICI Prudential Liquid Plan--Institutional Plan - Growth-

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

₹462.3300

As of

24 Apr 2020

4,372 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	29 / 46	Q3
1W	+0.13%	+0.06%	+0.07	18 / 46	Q2
2W	+0.25%	+0.10%	+0.16	2 / 46	Q1
1M	+0.85%	+0.22%	+0.63	2 / 46	Q1
3M	+1.41%	+0.67%	+0.73	18 / 46	Q2
6M	+2.62%	+1.27%	+1.35	18 / 46	Q2
YTD	+1.70%	+1.06%	+0.63	19 / 46	Q2
1Y	+5.75%	+2.35%	+3.40	17 / 46	Q2
2Y	+6.39%	+2.56%	+3.83	17 / 46	Q2
3Y	+6.36%	+2.62%	+3.73	17 / 46	Q2
4Y	+6.44%	+2.68%	+3.76	17 / 45	Q2
5Y	+6.68%	+2.48%	+4.20	2 / 45	Q1
7Y	+7.12%	+2.34%	+4.78	2 / 45	Q1
10Y	+7.36%	+2.51%	+4.84	2 / 43	Q1
Inception	+7.23%	+2.49%	+4.74	2 / 42	Q1

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	+1.70%	+1.63%	+0.07	20 / 44
2019	+6.19%	+2.29%	+3.90	16 / 45
2018	+6.94%	+2.61%	+4.33	16 / 45
2017	+6.13%	+2.33%	+3.80	16 / 45
2016	+7.17%	+2.72%	+4.44	15 / 44
2015	+7.72%	+2.20%	+5.52	2 / 7
2014	+8.11%	+2.52%	+5.59	1 / 7
2013	+8.31%	+2.78%	+5.53	2 / 6
2012	+8.93%	+3.08%	+5.84	2 / 6
2011	+8.31%	+3.43%	+4.88	2 / 5
2010	+5.02%	+2.09%	+2.93	2 / 5

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

+7.31%

160 windows

min 3.9% · max 9.2%

100% positive

3-Year rolling

+7.30%

135 windows

min 6.1% · max 8.6%

100% positive

5-Year rolling

+7.44%

111 windows

min 6.7% · max 8.3%

100% positive

7-Year rolling

+7.53%

87 windows

min 7.1% · max 7.9%

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

0.37%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.17%

Mar 2020 → Mar 2020

% 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
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
24 Apr 2020	₹462.3300
23 Apr 2020	₹462.2874
22 Apr 2020	₹462.1935
21 Apr 2020	₹462.0507
20 Apr 2020	₹461.9659
19 Apr 2020	₹461.8502
17 Apr 2020	₹461.7477
16 Apr 2020	₹461.5718
15 Apr 2020	₹461.4990
14 Apr 2020	₹461.4520

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--Institutional Plan - Growth- is ₹462.3300. 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 - Growth- 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 - Growth- 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 - Growth- has delivered a absolute return of 5.75% — +3.4 pp ahead of the Liquid Fund category average of 2.35%. The fund ranks #17 of 46 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ICICI Prudential Liquid Plan--Institutional Plan - Growth- has delivered a CAGR of 6.36% — +3.73 pp ahead of the Liquid Fund category average of 2.62%. The fund ranks #17 of 46 in its category — the second (Q2) quartile.

Over the trailing 5-year window, ICICI Prudential Liquid Plan--Institutional Plan - Growth- has delivered a CAGR of 6.68% — +4.2 pp ahead of the Liquid Fund category average of 2.48%. The fund ranks #2 of 45 in its category — the top (Q1) quartile.

₹1 lakh invested in ICICI Prudential Liquid Plan--Institutional Plan - Growth- exactly 10 years ago would be worth approximately ₹203,346 today — a multiplier of 2.03×, based on the 10-year CAGR of 7.36%. The category average over the same window would have grown ₹1 lakh to ₹128,141.

A ₹10,000 monthly SIP in ICICI Prudential Liquid Plan--Institutional Plan - Growth- over the last 5 years — total invested ₹600,000 — would be worth ₹705,713 today. That's an XIRR (money-weighted annualised return) of 6.42%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Liquid Plan--Institutional Plan - Growth- = ₹1,200,000 invested. It would currently be worth ₹1,728,410 (multiplier 1.44×). XIRR: 7.09%. 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 Plan - Growth- ranks #2 out of 45 funds in the Liquid Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.48%; this fund delivered 6.68%.

The worst peak-to-trough decline ICICI Prudential Liquid Plan--Institutional Plan - Growth- has experienced over the last 5-year window is 0.17% — its NAV fell from a high on 17 Mar 2020 to a low on 24 Mar 2020. 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 - Growth- averaged 7.44% (best 8.30%, worst 6.65%). 100% of rolling windows ended positive.

In calendar year 2019, ICICI Prudential Liquid Plan--Institutional Plan - Growth- returned 6.19% — beating the Liquid Fund category average of 2.29% by 3.90 pp. It ranked #16 of 45 in its category that year.

ICICI Prudential Liquid Plan--Institutional Plan - Growth- 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 - Growth- 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: 0.2%. 5-year CAGR: 6.68%.

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 - Growth-

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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