Should I invest in JM Liquid Fund Unclaimed Redemption (Direct) Growth Plan?

We don't give personal investment advice. JM Liquid Fund Unclaimed Redemption (Direct) Growth Plan 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: 0.1%. 5-year CAGR: 5.63%.

JM Liquid Fund Unclaimed Redemption (Direct) Growth Plan

Latest NAV

₹57.8230

As of

24 Jan 2022

1,755 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	44 / 49	Q4
1W	+0.05%	+0.12%	-0.07	44 / 49	Q4
2W	+0.12%	+0.21%	-0.08	44 / 49	Q4
1M	+0.29%	+0.42%	-0.13	43 / 49	Q4
3M	+0.89%	+1.44%	-0.55	43 / 49	Q4
6M	+1.71%	+2.76%	-1.05	43 / 49	Q4
YTD	+0.20%	+2.27%	-2.07	43 / 49	Q4
1Y	+3.42%	+5.37%	-1.95	40 / 46	Q4
2Y	+3.67%	+5.81%	-2.14	38 / 43	Q4
3Y	+4.60%	+6.00%	-1.39	38 / 43	Q4
4Y	+5.33%	+5.89%	-0.56	36 / 42	Q4
5Y	+5.63%	+5.47%	+0.15	36 / 40	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+5.88%	+5.60%	+0.28	35 / 49	Q3

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
2022 YTD	+0.20%	+4.08%	-3.87	36 / 42
2021	+3.38%	+2.92%	+0.45	10 / 40
2020	+4.04%	+3.90%	+0.13	26 / 37
2019	+6.66%	+6.20%	+0.47	12 / 35
2018	+7.48%	+6.88%	+0.61	13 / 33
2017	+6.79%	+6.29%	+0.50	5 / 33
2016	—	—	—	—

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

+5.94%

59 windows

min 3.3% · max 7.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+6.26%

35 windows

min 4.6% · max 7.3%

100% positive

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

5-Year rolling

+5.94%

11 windows

min 5.6% · max 6.3%

100% positive

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

7-Year rolling

—

Insufficient history

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

0.47%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.09%

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
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
24 Jan 2022	₹57.8230
23 Jan 2022	₹57.8172
21 Jan 2022	₹57.8055
20 Jan 2022	₹57.7998
19 Jan 2022	₹57.7948
18 Jan 2022	₹57.7954
17 Jan 2022	₹57.7919
16 Jan 2022	₹57.7872
14 Jan 2022	₹57.7765
13 Jan 2022	₹57.7714

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 Jan 2022, the NAV of JM Liquid Fund Unclaimed Redemption (Direct) Growth Plan is ₹57.8230. It's a Liquid Fund from the fund house, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

JM Liquid Fund Unclaimed Redemption (Direct) Growth Plan has NAV history starting from 05 Apr 2016, a track record of about 10 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.

JM Liquid Fund Unclaimed Redemption (Direct) Growth Plan is managed by the fund house. 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 Liquid Fund Unclaimed Redemption (Direct) Growth Plan has delivered a absolute return of 3.42% — -1.95 pp behind the Liquid Fund category average of 5.37%. The fund ranks #40 of 46 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, JM Liquid Fund Unclaimed Redemption (Direct) Growth Plan has delivered a CAGR of 4.60% — -1.39 pp behind the Liquid Fund category average of 6.00%. The fund ranks #38 of 43 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, JM Liquid Fund Unclaimed Redemption (Direct) Growth Plan has delivered a CAGR of 5.63% — +0.15 pp ahead of the Liquid Fund category average of 5.47%. The fund ranks #36 of 40 in its category — the bottom (Q4) quartile.

₹1 lakh invested in JM Liquid Fund Unclaimed Redemption (Direct) Growth Plan exactly 5 years ago would be worth approximately ₹131,476 today — a multiplier of 1.31×, based on the 5-year CAGR of 5.63%. The category average over the same window would have grown ₹1 lakh to ₹130,516.

A ₹10,000 monthly SIP in JM Liquid Fund Unclaimed Redemption (Direct) Growth Plan over the last 5 years — total invested ₹600,000 — would be worth ₹677,990 today. That's an XIRR (money-weighted annualised return) of 4.82%.

JM Liquid Fund Unclaimed Redemption (Direct) Growth Plan doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹677,990 — XIRR 4.82%.

On a 5-year basis, JM Liquid Fund Unclaimed Redemption (Direct) Growth Plan ranks #36 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 5.63%.

The worst peak-to-trough decline JM Liquid Fund Unclaimed Redemption (Direct) Growth Plan has experienced over the last 5-year window is 0.09% — its NAV fell from a high on 22 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, JM Liquid Fund Unclaimed Redemption (Direct) Growth Plan averaged 5.94% (best 6.27%, worst 5.63%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.99 — negative risk-adjusted performance.

In calendar year 2021, JM Liquid Fund Unclaimed Redemption (Direct) Growth Plan returned 3.38% — beating the Liquid Fund category average of 2.92% by 0.45 pp. It ranked #10 of 40 in its category that year.

JM Liquid Fund Unclaimed Redemption (Direct) Growth Plan 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 Liquid Fund Unclaimed Redemption (Direct) Growth Plan 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: 0.1%. 5-year CAGR: 5.63%.

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

JM Liquid Fund Unclaimed Redemption (Direct) Growth Plan

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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