Should I invest in JM HIGH LIQUIDITY - BONUS OPTION?

We don't give personal investment advice. JM HIGH LIQUIDITY - BONUS 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: 6.00%.

JM Financial

JM HIGH LIQUIDITY - BONUS OPTION

Latest NAV

₹24.0792

As of

3 Jun 2026

6,165 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%	-0.84%	+0.85	18 / 117	Q1
1W	+0.14%	-1.30%	+1.44	14 / 116	Q1
2W	+0.23%	-1.26%	+1.50	26 / 116	Q1
1M	+0.47%	-1.18%	+1.65	20 / 115	Q1
3M	+1.60%	-0.77%	+2.37	23 / 115	Q1
6M	+3.07%	-0.25%	+3.32	24 / 116	Q1
YTD	+2.59%	-0.28%	+2.87	28 / 116	Q1
1Y	+6.03%	+0.81%	+5.22	24 / 115	Q1
2Y	+6.57%	+1.09%	+5.49	20 / 111	Q1
3Y	+6.78%	+1.15%	+5.63	17 / 101	Q1
4Y	+6.64%	+1.01%	+5.63	16 / 92	Q1
5Y	+6.00%	+0.76%	+5.24	15 / 84	Q1
7Y	+5.53%	+0.50%	+5.03	16 / 78	Q1
10Y	+6.02%	+0.67%	+5.35	13 / 71	Q1
Inception	+3.50%	+1.27%	+2.22	41 / 114	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
2026 YTD	+2.59%	+1.00%	+1.59	18 / 73
2025	+6.39%	+2.57%	+3.82	21 / 69
2024	+7.21%	+2.54%	+4.66	16 / 71
2023	+6.95%	+2.47%	+4.48	13 / 66
2022	+4.82%	+1.48%	+3.34	10 / 70
2021	+3.29%	+1.01%	+2.28	8 / 80
2020	+3.95%	+0.34%	+3.61	23 / 87
2019	+6.58%	+2.59%	+3.99	10 / 87
2018	+7.40%	+2.60%	+4.79	16 / 88
2017	+6.70%	+2.32%	+4.39	8 / 85
2016	+7.70%	+2.45%	+5.25	4 / 64

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

+4.34%

234 windows

min -33.7% · max 9.7%

92% positive

3-Year rolling

+3.96%

210 windows

min -8.3% · max 8.9%

83% positive

5-Year rolling

+3.60%

185 windows

min -2.5% · max 8.2%

68% positive

7-Year rolling

+3.27%

161 windows

min -2.3% · max 7.8%

96% 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

0.20%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.00%

Mar 2026 → Mar 2026

% 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-Dividend - Daily	HDFC	₹1,019.8200	3 Jun 2026
NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION	Nippon India	₹1,017.6155	3 Jun 2026
ICICI Prudential Liquid Fund - IDCW Others	ICICI Prudential	₹189.7289	3 Jun 2026
Invesco India Liquid Fund - Unclaimed Dividend Plan - Above 3 Years	Invesco	₹1,000.0000	3 Jun 2026
BANDHAN LIQUID Fund - Unclaimed IDCW Less than 3 years	Bandhan	₹1.7935	3 Jun 2026
Quantum Liquid Fund - Unclaimed IDCW Plan Above 3 years	Quantum	₹10.0000	3 Jun 2026
Motilal Oswal Liquid Fund - Unclaimed Dividend - Greater than 3 years	Motilal Oswal	₹10.0000	3 Jun 2026
Templeton India Treasury Management - Institution-Daily	Franklin Templeton	₹1,000.0000	3 Jun 2026
Mirae Asset Cash Management Fund - Daily Dividend	Mirae Asset	₹1,066.4347	3 Jun 2026
HSBC Liquid Fund - IDCW	HSBC	₹1,019.3000	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹24.0792
2 Jun 2026	₹24.0756
1 Jun 2026	₹24.0720
31 May 2026	₹24.0677
29 May 2026	₹24.0595
28 May 2026	₹24.0540
26 May 2026	₹24.0459
25 May 2026	₹24.0423
24 May 2026	₹24.0385
23 May 2026	₹24.0345

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 JM HIGH LIQUIDITY - BONUS OPTION is ₹24.0792. It's a Liquid Fund from JM Financial, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

JM HIGH LIQUIDITY - BONUS OPTION 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.

JM HIGH LIQUIDITY - BONUS OPTION is managed by JM Financial. 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, JM HIGH LIQUIDITY - BONUS OPTION has delivered a absolute return of 6.03% — +5.22 pp ahead of the Liquid Fund category average of 0.81%. The fund ranks #24 of 115 in its category — the top (Q1) quartile.

Over the trailing 3-year window, JM HIGH LIQUIDITY - BONUS OPTION has delivered a CAGR of 6.78% — +5.63 pp ahead of the Liquid Fund category average of 1.15%. The fund ranks #17 of 101 in its category — the top (Q1) quartile.

Over the trailing 5-year window, JM HIGH LIQUIDITY - BONUS OPTION has delivered a CAGR of 6.00% — +5.24 pp ahead of the Liquid Fund category average of 0.76%. The fund ranks #15 of 84 in its category — the top (Q1) quartile.

₹1 lakh invested in JM HIGH LIQUIDITY - BONUS OPTION exactly 10 years ago would be worth approximately ₹179,357 today — a multiplier of 1.79×, based on the 10-year CAGR of 6.02%. The category average over the same window would have grown ₹1 lakh to ₹106,873.

A ₹10,000 monthly SIP in JM HIGH LIQUIDITY - BONUS OPTION over the last 5 years — total invested ₹600,000 — would be worth ₹707,109 today. That's an XIRR (money-weighted annualised return) of 6.50%.

A ₹10,000 monthly SIP for 10 years in JM HIGH LIQUIDITY - BONUS OPTION = ₹1,200,000 invested. It would currently be worth ₹1,626,600 (multiplier 1.36×). XIRR: 5.93%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, JM HIGH LIQUIDITY - BONUS OPTION ranks #15 out of 84 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 0.76%; this fund delivered 6.00%.

The worst peak-to-trough decline JM HIGH LIQUIDITY - BONUS OPTION has experienced over the last 5-year window is 0.02% — its NAV fell from a high on 03 May 2022 to a low on 05 May 2022. 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, JM HIGH LIQUIDITY - BONUS OPTION averaged 3.60% (best 8.24%, worst -2.51%). 68% of rolling windows ended positive.

In calendar year 2025, JM HIGH LIQUIDITY - BONUS OPTION returned 6.39% — beating the Liquid Fund category average of 2.57% by 3.82 pp. It ranked #21 of 69 in its category that year.

JM HIGH LIQUIDITY - BONUS 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. JM HIGH LIQUIDITY - BONUS 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: 6.00%.

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