Should I invest in JM High Liquidity Fund?

We don't give personal investment advice. JM High Liquidity Fund-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: 0.2%. 5-year CAGR: -0.00%.

JM Financial

JM High Liquidity Fund-Dividend

Latest NAV

₹11.0051

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	+0.01%	-0.84%	+0.85	26 / 117	Q1
1W	+0.01%	-1.30%	+1.31	62 / 116	Q3
2W	0.00%	-1.26%	+1.26	100 / 116	Q4
1M	-0.07%	-1.18%	+1.11	105 / 115	Q4
3M	+0.00%	-0.77%	+0.78	70 / 115	Q3
6M	+0.00%	-0.25%	+0.25	68 / 116	Q3
YTD	-0.05%	-0.28%	+0.23	106 / 116	Q4
1Y	+0.01%	+0.81%	-0.79	66 / 115	Q3
2Y	-0.05%	+1.09%	-1.14	102 / 111	Q4
3Y	-0.03%	+1.15%	-1.18	90 / 101	Q4
4Y	-0.01%	+1.01%	-1.01	77 / 92	Q4
5Y	0.00%	+0.76%	-0.76	71 / 84	Q4
7Y	0.00%	+0.50%	-0.50	56 / 78	Q3
10Y	-0.01%	+0.67%	-0.68	65 / 71	Q4
Inception	+0.32%	+1.27%	-0.95	54 / 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	-0.05%	+1.00%	-1.05	65 / 73
2025	+0.02%	+2.57%	-2.55	37 / 69
2024	-0.14%	+2.54%	-2.68	70 / 71
2023	+0.01%	+2.47%	-2.46	31 / 66
2022	+0.05%	+1.48%	-1.43	38 / 70
2021	-0.01%	+1.01%	-1.02	72 / 80
2020	+0.00%	+0.34%	-0.34	45 / 87
2019	+0.00%	+2.59%	-2.59	54 / 87
2018	+0.01%	+2.60%	-2.59	54 / 88
2017	0.00%	+2.32%	-2.32	64 / 85
2016	-0.01%	+2.45%	-2.46	48 / 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

+0.32%

234 windows

min -0.2% · max 1.3%

82% positive

3-Year rolling

+0.30%

210 windows

min 0.0% · max 1.1%

72% positive

5-Year rolling

+0.27%

185 windows

min 0.0% · max 1.1%

61% positive

7-Year rolling

+0.24%

161 windows

min 0.0% · max 0.9%

60% 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

0.23%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.22%

Apr 2026 → Apr 2026

% positive months

52.8%

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	₹11.0051
2 Jun 2026	₹11.0035
1 Jun 2026	₹11.0154
31 May 2026	₹11.0134
29 May 2026	₹11.0097
28 May 2026	₹11.0072
26 May 2026	₹11.0035
25 May 2026	₹11.0137
24 May 2026	₹11.0120
23 May 2026	₹11.0102

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 Fund-Dividend is ₹11.0051. 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 Fund-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.

JM High Liquidity Fund-Dividend 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 Fund-Dividend has delivered a absolute return of 0.01% — -0.79 pp behind the Liquid Fund category average of 0.81%. The fund ranks #66 of 115 in its category — the third (Q3) quartile.

Over the trailing 3-year window, JM High Liquidity Fund-Dividend has delivered a CAGR of -0.03% — -1.18 pp behind the Liquid Fund category average of 1.15%. The fund ranks #90 of 101 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, JM High Liquidity Fund-Dividend has delivered a CAGR of 0.00% — -0.76 pp behind the Liquid Fund category average of 0.76%. The fund ranks #71 of 84 in its category — the bottom (Q4) quartile.

₹1 lakh invested in JM High Liquidity Fund-Dividend exactly 10 years ago would be worth approximately ₹99,910 today — a multiplier of 1.00×, based on the 10-year CAGR of -0.01%. The category average over the same window would have grown ₹1 lakh to ₹106,873.

A ₹10,000 monthly SIP in JM High Liquidity Fund-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹599,773 today. That's an XIRR (money-weighted annualised return) of -0.01%.

A ₹10,000 monthly SIP for 10 years in JM High Liquidity Fund-Dividend = ₹1,200,000 invested. It would currently be worth ₹1,199,557 (multiplier 1.00×). XIRR: -0.01%. 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 Fund-Dividend ranks #71 out of 84 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 0.76%; this fund delivered -0.00%.

The worst peak-to-trough decline JM High Liquidity Fund-Dividend has experienced over the last 5-year window is 0.22% — its NAV fell from a high on 06 Apr 2026 to a low on 07 Apr 2026. 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 Fund-Dividend averaged 0.27% (best 1.06%, worst -0.03%). 61% of rolling windows ended positive.

In calendar year 2025, JM High Liquidity Fund-Dividend returned 0.02% — lagging the Liquid Fund category average of 2.57% by 2.55 pp. It ranked #37 of 69 in its category that year.

JM High Liquidity Fund-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. JM High Liquidity Fund-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: 0.2%. 5-year CAGR: -0.00%.

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