Should I invest in ITI Liquid Fund - Annually IDCW Option?

We don't give personal investment advice. ITI Liquid Fund - Direct Plan - Annually IDCW 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+ 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: 0.0%. 5-year CAGR: 5.96%.

ITI

ITI Liquid Fund - Direct Plan - Annually IDCW Option

Latest NAV

₹1,450.8901

As of

3 Jun 2026

2,149 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%	0.00%	+0.02	39 / 139	Q2
1W	+0.10%	+0.04%	+0.07	50 / 138	Q2
2W	+0.21%	+0.05%	+0.16	35 / 138	Q2
1M	+0.47%	+0.11%	+0.36	27 / 138	Q1
3M	+1.59%	+0.30%	+1.29	24 / 138	Q1
6M	+3.06%	+0.41%	+2.64	22 / 135	Q1
YTD	+2.56%	+0.39%	+2.17	22 / 135	Q1
1Y	+6.15%	+1.00%	+5.15	19 / 128	Q1
2Y	+6.64%	+1.19%	+5.46	21 / 127	Q1
3Y	+6.77%	+1.40%	+5.37	18 / 122	Q1
4Y	+6.60%	+1.28%	+5.32	15 / 114	Q1
5Y	+5.96%	+1.19%	+4.77	14 / 113	Q1
7Y	+5.35%	+0.84%	+4.51	11 / 107	Q1
10Y	—	—	—	—	—
Inception	+5.37%	+1.24%	+4.13	15 / 139	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
2026 YTD	+2.56%	+0.25%	+2.31	18 / 120
2025	+6.53%	+1.10%	+5.44	13 / 115
2024	+7.12%	+1.42%	+5.70	20 / 118
2023	+6.82%	+1.63%	+5.19	21 / 112
2022	+4.79%	+1.11%	+3.68	18 / 116
2021	+3.17%	+0.45%	+2.72	15 / 107
2020	+3.32%	+0.35%	+2.97	13 / 110
2019	—	—	—	—

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

+5.30%

75 windows

min 2.9% · max 7.2%

100% positive

3-Year rolling

+5.35%

51 windows

min 3.6% · max 6.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+5.32%

26 windows

min 4.8% · max 6.0%

100% positive

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

7-Year rolling

+5.35%

2 windows

min 5.3% · max 5.4%

100% 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

0.17%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.01%

Sep 2024 → Sep 2024

% 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 - IDCW Daily - Direct Plan	HDFC	₹1,019.8200	3 Jun 2026
NIPPON INDIA LIQUID FUND - DIRECT Plan - DAILY IDCW OPTION	Nippon India	₹1,528.7400	3 Jun 2026
SBI Liquid Fund - Direct Paln - Fortnightly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,423.4119	3 Jun 2026
ICICI Prudential Liquid Fund - Direct Plan - IDCW Others	ICICI Prudential	₹191.3611	3 Jun 2026
Invesco India Liquid Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment)	Invesco	₹1,083.5347	3 Jun 2026
BANDHAN LIQUID Fund -Direct Plan -Monthly IDCW	Bandhan	₹1,008.3799	3 Jun 2026
quant Liquid Fund - Monthly IDCW Option - Direct Plan	Quant	₹15.7591	3 Jun 2026
Aditya Birla Sun Life Liquid Fund -Direct - daily IDCW	Aditya Birla Sun Life	₹100.1950	3 Jun 2026
Motilal Oswal Liquid Fund Direct - IDCW Quarterly Payout/Reinvestment	Motilal Oswal	₹10.2338	3 Jun 2026
Franklin India Liquid Fund - Super Institutional Plan - Direct - Daily - IDCW	Franklin India	₹1,002.8152	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,450.8901
2 Jun 2026	₹1,450.6974
1 Jun 2026	₹1,450.4914
31 May 2026	₹1,450.2633
29 May 2026	₹1,449.8193
28 May 2026	₹1,449.6269
26 May 2026	₹1,449.1788
25 May 2026	₹1,448.9617
24 May 2026	₹1,448.7519
23 May 2026	₹1,448.5333

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 03 Jun 2026, the NAV of ITI Liquid Fund - Direct Plan - Annually IDCW Option is ₹1,450.8901. It's a Liquid Fund from ITI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ITI Liquid Fund - Direct Plan - Annually IDCW Option has NAV history starting from 24 Apr 2019, a track record of about 7 years 1 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

ITI Liquid Fund - Direct Plan - Annually IDCW Option is managed by ITI. 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, ITI Liquid Fund - Direct Plan - Annually IDCW Option has delivered a absolute return of 6.15% — +5.15 pp ahead of the Liquid Fund category average of 1.00%. The fund ranks #19 of 128 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ITI Liquid Fund - Direct Plan - Annually IDCW Option has delivered a CAGR of 6.77% — +5.37 pp ahead of the Liquid Fund category average of 1.40%. The fund ranks #18 of 122 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ITI Liquid Fund - Direct Plan - Annually IDCW Option has delivered a CAGR of 5.96% — +4.77 pp ahead of the Liquid Fund category average of 1.19%. The fund ranks #14 of 113 in its category — the top (Q1) quartile.

₹1 lakh invested in ITI Liquid Fund - Direct Plan - Annually IDCW Option exactly 5 years ago would be worth approximately ₹133,585 today — a multiplier of 1.34×, based on the 5-year CAGR of 5.96%. The category average over the same window would have grown ₹1 lakh to ₹106,116.

A ₹10,000 monthly SIP in ITI Liquid Fund - Direct Plan - Annually IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹707,030 today. That's an XIRR (money-weighted annualised return) of 6.50%.

ITI Liquid Fund - Direct Plan - Annually IDCW Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,038,851 — XIRR 5.97%.

On a 5-year basis, ITI Liquid Fund - Direct Plan - Annually IDCW Option ranks #14 out of 113 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 1.19%; this fund delivered 5.96%.

The worst peak-to-trough decline ITI Liquid Fund - Direct Plan - Annually IDCW Option has experienced over the last 5-year window is 0.01% — its NAV fell from a high on 23 Sep 2024 to a low on 24 Sep 2024. 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, ITI Liquid Fund - Direct Plan - Annually IDCW Option averaged 5.32% (best 5.96%, worst 4.83%). 100% of rolling windows ended positive.

In calendar year 2025, ITI Liquid Fund - Direct Plan - Annually IDCW Option returned 6.53% — beating the Liquid Fund category average of 1.10% by 5.44 pp. It ranked #13 of 115 in its category that year.

ITI Liquid Fund - Direct Plan - Annually IDCW 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. ITI Liquid Fund - Direct Plan - Annually IDCW 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: 0.0%. 5-year CAGR: 5.96%.

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

ITI Liquid Fund - Direct Plan - Annually IDCW Option

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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