Should I invest in ITI Liquid Fund?

We don't give personal investment advice. ITI Liquid Fund - Direct Plan - Growth 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: 5.94%.

ITI

ITI Liquid Fund - Direct Plan - Growth Option

Latest NAV

₹1,448.9673

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%	+0.01%	+0.00	16 / 49	Q2
1W	+0.10%	+0.12%	-0.02	42 / 49	Q4
2W	+0.21%	+0.21%	+0.00	41 / 49	Q4
1M	+0.47%	+0.42%	+0.05	34 / 49	Q3
3M	+1.59%	+1.44%	+0.15	37 / 49	Q4
6M	+3.05%	+2.76%	+0.29	37 / 49	Q4
YTD	+2.55%	+2.27%	+0.28	38 / 49	Q4
1Y	+6.13%	+5.37%	+0.76	30 / 46	Q3
2Y	+6.62%	+5.81%	+0.81	32 / 43	Q3
3Y	+6.75%	+6.00%	+0.75	33 / 43	Q4
4Y	+6.58%	+5.89%	+0.69	32 / 42	Q4
5Y	+5.94%	+5.47%	+0.47	31 / 40	Q4
7Y	+5.33%	+5.64%	-0.31	32 / 33	Q4
10Y	—	—	—	—	—
Inception	+5.35%	+5.60%	-0.25	40 / 49	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
2026 YTD	+2.55%	+2.52%	+0.03	38 / 44
2025	+6.51%	+6.04%	+0.47	29 / 40
2024	+7.09%	+6.80%	+0.29	33 / 39
2023	+6.80%	+6.47%	+0.32	33 / 38
2022	+4.77%	+4.08%	+0.70	31 / 42
2021	+3.12%	+2.92%	+0.20	32 / 40
2020	+3.32%	+3.90%	-0.59	35 / 37
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

+5.28%

75 windows

min 2.9% · max 7.2%

100% positive

3-Year rolling

+5.33%

51 windows

min 3.6% · max 6.8%

100% positive

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

5-Year rolling

+5.30%

26 windows

min 4.8% · max 5.9%

100% positive

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

7-Year rolling

+5.33%

2 windows

min 5.3% · max 5.3%

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 - Growth Option - Direct Plan	HDFC	₹5,475.7034	3 Jun 2026
Nippon India Liquid Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹6,826.8562	3 Jun 2026
SBI Liquid Fund - DIRECT PLAN -Growth	SBI	₹4,358.9364	3 Jun 2026
ICICI Prudential Liquid Fund - Direct Plan - Growth	ICICI Prudential	₹412.5956	3 Jun 2026
Invesco India Liquid Fund - Direct Plan - Growth	Invesco	₹3,826.8123	3 Jun 2026
BANDHAN LIQUID Fund -Direct Plan-Growth	Bandhan	₹3,367.4474	3 Jun 2026
quant Liquid Fund - Growth Option - Direct Plan	Quant	₹44.7002	3 Jun 2026
Aditya Birla Sun Life Liquid Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹450.5148	3 Jun 2026
Motilal Oswal Liquid Fund - Direct Growth	Motilal Oswal	₹14.6931	3 Jun 2026
Franklin India Liquid Fund - Super Institutional - Direct - Growth	Franklin India	₹4,191.3513	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,448.9673
2 Jun 2026	₹1,448.7748
1 Jun 2026	₹1,448.5690
31 May 2026	₹1,448.3413
29 May 2026	₹1,447.8978
28 May 2026	₹1,447.7057
26 May 2026	₹1,447.2582
25 May 2026	₹1,447.0415
24 May 2026	₹1,446.8319
23 May 2026	₹1,446.6136

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 - Growth Option is ₹1,448.9673. It's a Liquid Fund from ITI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

ITI Liquid Fund - Direct Plan - Growth 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 - Growth 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 - Growth Option has delivered a absolute return of 6.13% — +0.76 pp ahead of the Liquid Fund category average of 5.37%. The fund ranks #30 of 46 in its category — the third (Q3) quartile.

Over the trailing 3-year window, ITI Liquid Fund - Direct Plan - Growth Option has delivered a CAGR of 6.75% — +0.75 pp ahead of the Liquid Fund category average of 6.00%. The fund ranks #33 of 43 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ITI Liquid Fund - Direct Plan - Growth Option has delivered a CAGR of 5.94% — +0.47 pp ahead of the Liquid Fund category average of 5.47%. The fund ranks #31 of 40 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ITI Liquid Fund - Direct Plan - Growth Option exactly 5 years ago would be worth approximately ₹133,434 today — a multiplier of 1.33×, based on the 5-year CAGR of 5.94%. The category average over the same window would have grown ₹1 lakh to ₹130,516.

A ₹10,000 monthly SIP in ITI Liquid Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹706,668 today. That's an XIRR (money-weighted annualised return) of 6.48%.

ITI Liquid Fund - Direct Plan - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,038,058 — XIRR 5.95%.

On a 5-year basis, ITI Liquid Fund - Direct Plan - Growth Option ranks #31 out of 40 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 5.47%; this fund delivered 5.94%.

The worst peak-to-trough decline ITI Liquid Fund - Direct Plan - Growth 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 - Growth Option averaged 5.30% (best 5.94%, worst 4.81%). 100% of rolling windows ended positive.

In calendar year 2025, ITI Liquid Fund - Direct Plan - Growth Option returned 6.51% — beating the Liquid Fund category average of 6.04% by 0.47 pp. It ranked #29 of 40 in its category that year.

ITI Liquid Fund - Direct Plan - Growth 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 - Growth 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: 5.94%.

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

ITI Liquid Fund - Direct Plan - Growth 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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