Should I invest in Kotak Liquid-Institutional Premium Plan - (Daily Dividend)?

We don't give personal investment advice. Kotak Liquid-Institutional Premium Plan - (Daily 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: 0.1%. 5-year CAGR: 0.82%.

Kotak Mahindra

Kotak Liquid-Institutional Premium Plan - (Daily Dividend)

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 20 Jan 2013. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹1,273.5366

As of

19 Jul 2026

6,180 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	+0.03%	+0.01%	+0.02	16 / 46	Q2
1W	+0.11%	+0.05%	+0.06	19 / 46	Q2
2W	+0.20%	+0.10%	+0.10	14 / 46	Q2
1M	+0.54%	+0.24%	+0.30	15 / 46	Q2
3M	+1.57%	+0.63%	+0.94	12 / 46	Q2
6M	+3.32%	+1.34%	+1.98	11 / 46	Q1
YTD	+3.55%	+1.39%	+2.16	12 / 46	Q2
1Y	+4.15%	+2.42%	+1.73	18 / 46	Q2
2Y	+2.05%	+2.56%	-0.50	19 / 46	Q2
3Y	+1.36%	+2.63%	-1.26	19 / 46	Q2
4Y	+1.02%	+2.70%	-1.68	20 / 45	Q2
5Y	+0.82%	+2.52%	-1.70	20 / 45	Q2
7Y	+0.58%	+2.35%	-1.77	21 / 45	Q2
10Y	+0.41%	+2.51%	-2.10	21 / 43	Q2
Inception	+0.20%	+2.50%	-2.30	19 / 42	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	+3.55%	+1.52%	+2.04	12 / 38
2025	+0.56%	+2.63%	-2.07	18 / 38
2024	+0.00%	+3.08%	-3.08	30 / 38
2023	+0.00%	+3.02%	-3.02	34 / 38
2022	+0.00%	+2.16%	-2.16	36 / 40
2021	+0.00%	+1.46%	-1.46	34 / 40
2020	+0.00%	+1.63%	-1.63	34 / 44
2019	+0.00%	+2.29%	-2.29	26 / 45
2018	+0.00%	+2.61%	-2.61	39 / 45
2017	+0.00%	+2.33%	-2.33	35 / 45
2016	+0.00%	+2.72%	-2.72	31 / 44

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

+0.07%

236 windows

min -0.1% · max 4.1%

5% positive

3-Year rolling

+0.03%

211 windows

min 0.0% · max 1.4%

4% positive

5-Year rolling

+0.02%

187 windows

min 0.0% · max 0.8%

5% positive

7-Year rolling

+0.02%

163 windows

min 0.0% · max 0.6%

6% 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

0.76%

3-year · annualised

Sharpe ratio

-6.75

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.06%

Mar 2024 → Mar 2025

% positive months

25.0%

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
SBI Premier Liquid Fund - Institutional - Daily Dividend	SBI	₹1,410.6705	19 Jul 2026
ICICI Prudential Liquid Plan - -Super Institutional Dividend Daily	ICICI Prudential	₹100.1482	19 Jul 2026
Templeton India Treasury Management Account-Super Institutional Plan - Daily Dividend	Franklin Templeton	₹1,000.0000	19 Jul 2026
Kotak Liquid-Institutional Premium Plan - (Growth)	Kotak Mahindra	₹5,624.9366	19 Jul 2026
DSP BlackRock Liquidity Fund- Institutional Plan-Daily Dividend	DSP BlackRock	₹1,001.4663	19 Jul 2026
HSBC Liquid Fund - Institutional Daily IDCW	HSBC	₹1,562.8262	19 Jul 2026
Canara Robeco Liquid-Super Institutional-Daily Div Reinvest.	Canara Robeco	₹1,005.5000	19 Jul 2026
Tata Floating Short Term Institutional Plan (Growth)	UTI	₹4,383.9341	19 Jul 2026
Birla Sun Life Cash Plus-Institutional Premium - Weekly Dividend	Birla Sun Life	₹100.2601	19 Jul 2026
JM High Liquidity Fund-Super Institutional Plan- Growth	JM Financial	₹43.6225	19 Jul 2026

Recent NAVs

Date	NAV
19 Jul 2026	₹1,273.5366
17 Jul 2026	₹1,273.1210
16 Jul 2026	₹1,272.7613
15 Jul 2026	₹1,272.4966
14 Jul 2026	₹1,272.3532
13 Jul 2026	₹1,272.3478
12 Jul 2026	₹1,272.1624
10 Jul 2026	₹1,271.7548
9 Jul 2026	₹1,271.3648
8 Jul 2026	₹1,271.0713

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 19 Jul 2026, the NAV of Kotak Liquid-Institutional Premium Plan - (Daily Dividend) is ₹1,273.5366. It's a Liquid Fund from Kotak Mahindra, run as a Institutional plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Kotak Liquid-Institutional Premium Plan - (Daily Dividend) has NAV history starting from 02 Apr 2006, a track record of about 20 years 3 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.

Kotak Liquid-Institutional Premium Plan - (Daily Dividend) is managed by Kotak Mahindra. 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, Kotak Liquid-Institutional Premium Plan - (Daily Dividend) has delivered a absolute return of 4.15% — +1.73 pp ahead of the Liquid Fund category average of 2.42%. The fund ranks #18 of 46 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Kotak Liquid-Institutional Premium Plan - (Daily Dividend) has delivered a CAGR of 1.36% — -1.26 pp behind the Liquid Fund category average of 2.63%. The fund ranks #19 of 46 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Kotak Liquid-Institutional Premium Plan - (Daily Dividend) has delivered a CAGR of 0.82% — -1.7 pp behind the Liquid Fund category average of 2.52%. The fund ranks #20 of 45 in its category — the second (Q2) quartile.

₹1 lakh invested in Kotak Liquid-Institutional Premium Plan - (Daily Dividend) exactly 10 years ago would be worth approximately ₹104,148 today — a multiplier of 1.04×, based on the 10-year CAGR of 0.41%. The category average over the same window would have grown ₹1 lakh to ₹128,155.

A ₹10,000 monthly SIP in Kotak Liquid-Institutional Premium Plan - (Daily Dividend) over the last 5 years — total invested ₹600,000 — would be worth ₹623,532 today. That's an XIRR (money-weighted annualised return) of 1.52%.

A ₹10,000 monthly SIP for 10 years in Kotak Liquid-Institutional Premium Plan - (Daily Dividend) = ₹1,200,000 invested. It would currently be worth ₹1,248,435 (multiplier 1.04×). XIRR: 0.78%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Kotak Liquid-Institutional Premium Plan - (Daily Dividend) ranks #20 out of 45 funds in the Liquid Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.52%; this fund delivered 0.82%.

The worst peak-to-trough decline Kotak Liquid-Institutional Premium Plan - (Daily Dividend) has experienced over the last 5-year window is 0.06% — its NAV fell from a high on 31 Mar 2024 to a low on 27 Mar 2025. 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, Kotak Liquid-Institutional Premium Plan - (Daily Dividend) averaged 0.02% (best 0.82%, worst -0.02%). 5% of rolling windows ended positive. The 5-year Sharpe ratio is -9.16 — negative risk-adjusted performance.

In calendar year 2025, Kotak Liquid-Institutional Premium Plan - (Daily Dividend) returned 0.56% — lagging the Liquid Fund category average of 2.63% by 2.07 pp. It ranked #18 of 38 in its category that year.

Kotak Liquid-Institutional Premium Plan - (Daily 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. Kotak Liquid-Institutional Premium Plan - (Daily 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: 0.1%. 5-year CAGR: 0.82%.

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