Should I invest in Motilal Oswal Liquid Fund Regular?

We don't give personal investment advice. Motilal Oswal Liquid Fund Regular - IDCW Quarterly Payout/Reinvestment 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: 1.8%. 5-year CAGR: 0.57%.

Motilal Oswal

Motilal Oswal Liquid Fund Regular - IDCW Quarterly Payout/Reinvestment

Latest NAV

₹10.3117

As of

19 Jul 2026

1,981 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%	+0.02%	+0.01	47 / 83	Q3
1W	+0.10%	+0.01%	+0.09	29 / 83	Q2
2W	+0.20%	+0.04%	+0.16	19 / 83	Q1
1M	+0.50%	+0.05%	+0.45	18 / 83	Q1
3M	+1.46%	+0.31%	+1.15	18 / 82	Q1
6M	+2.74%	+0.75%	+1.99	18 / 83	Q1
YTD	+2.98%	+0.87%	+2.11	19 / 82	Q1
1Y	+2.75%	+0.13%	+2.62	22 / 76	Q2
2Y	+1.34%	+1.46%	-0.12	22 / 74	Q2
3Y	+0.90%	+1.64%	-0.74	26 / 72	Q2
4Y	+0.68%	+1.56%	-0.88	19 / 64	Q2
5Y	+0.57%	+1.42%	-0.85	19 / 63	Q2
7Y	+0.40%	+1.04%	-0.63	14 / 57	Q1
10Y	—	—	—	—	—
Inception	+0.43%	+0.34%	+0.09	32 / 82	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	+2.98%	+0.81%	+2.17	17 / 78
2025	-0.04%	+1.30%	-1.34	62 / 71
2024	+0.04%	+1.65%	-1.62	35 / 73
2023	+0.01%	+1.96%	-1.96	34 / 67
2022	+0.03%	+1.26%	-1.23	49 / 67
2021	-0.04%	+0.65%	-0.69	58 / 60
2020	-2.36%	+0.24%	-2.60	59 / 60
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

-0.22%

74 windows

min -3.5% · max 2.8%

57% positive

3-Year rolling

-0.01%

50 windows

min -1.1% · max 0.9%

66% positive

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

5-Year rolling

-0.06%

26 windows

min -0.7% · max 0.6%

62% positive

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

7-Year rolling

+0.40%

1 window

min 0.4% · max 0.4%

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

2.39%

3-year · annualised

Sharpe ratio

-2.33

vs risk-free 6.5%

Sortino ratio

-2.97

Downside-only deviation

Max drawdown

-1.76%

Mar 2024 → Apr 2024

% positive months

72.2%

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
BANDHAN LIQUID Fund - Regular Plan - Periodic IDCW	Bandhan	₹1,450.7685	19 Jul 2026
Quantum Liquid Fund - Regular Plan Daily IDCW	Quantum	₹10.0002	19 Jul 2026
Aditya Birla Sun Life Liquid Fund -Regular - IDCW	Aditya Birla Sun Life	₹104.0158	19 Jul 2026
Motilal Oswal Liquid Fund Regular - IDCW Daily Reinvestment	Motilal Oswal	₹10.0075	19 Jul 2026
Templeton India Treasury Management Account-Regular Plan - Daily Dividend	Franklin Templeton	₹1,508.9895	19 Jul 2026
Kotak Liquid Fund - Regular Plan - Weekly - Reinvestment & Payout of Income Distribution cum capital withdrawal option	Kotak	₹1,044.9709	19 Jul 2026
Parag Parikh Liquid Fund- Regular Plan- Daily Reinvestment of IDCW	Parag Parikh	₹1,000.5404	19 Jul 2026
Edelweiss Liquid Fund - Regular Plan - Bonus Option	Edelweiss	₹2,074.9104	19 Jul 2026
HSBC Liquid Fund - Regular Daily IDCW	HSBC	₹1,001.3789	19 Jul 2026
Baroda BNP Paribas LIQUID FUND - Regular Plan - WEEKLY IDCW OPTION	Baroda BNP Paribas	₹1,001.4624	19 Jul 2026

Recent NAVs

Date	NAV
19 Jul 2026	₹10.3117
17 Jul 2026	₹10.3085
16 Jul 2026	₹10.3065
15 Jul 2026	₹10.3047
14 Jul 2026	₹10.3035
13 Jul 2026	₹10.3027
12 Jul 2026	₹10.3012
10 Jul 2026	₹10.2981
9 Jul 2026	₹10.2953
8 Jul 2026	₹10.2932

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 Motilal Oswal Liquid Fund Regular - IDCW Quarterly Payout/Reinvestment is ₹10.3117. It's a Liquid Fund from Motilal Oswal, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Motilal Oswal Liquid Fund Regular - IDCW Quarterly Payout/Reinvestment has NAV history starting from 05 Jul 2019, a track record of about 7 years. 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.

Motilal Oswal Liquid Fund Regular - IDCW Quarterly Payout/Reinvestment is managed by Motilal Oswal. 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, Motilal Oswal Liquid Fund Regular - IDCW Quarterly Payout/Reinvestment has delivered a absolute return of 2.75% — +2.62 pp ahead of the Liquid Fund category average of 0.13%. The fund ranks #22 of 76 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Motilal Oswal Liquid Fund Regular - IDCW Quarterly Payout/Reinvestment has delivered a CAGR of 0.90% — -0.74 pp behind the Liquid Fund category average of 1.64%. The fund ranks #26 of 72 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Motilal Oswal Liquid Fund Regular - IDCW Quarterly Payout/Reinvestment has delivered a CAGR of 0.57% — -0.85 pp behind the Liquid Fund category average of 1.42%. The fund ranks #19 of 63 in its category — the second (Q2) quartile.

₹1 lakh invested in Motilal Oswal Liquid Fund Regular - IDCW Quarterly Payout/Reinvestment exactly 5 years ago would be worth approximately ₹102,879 today — a multiplier of 1.03×, based on the 5-year CAGR of 0.57%. The category average over the same window would have grown ₹1 lakh to ₹107,326.

A ₹10,000 monthly SIP in Motilal Oswal Liquid Fund Regular - IDCW Quarterly Payout/Reinvestment over the last 5 years — total invested ₹600,000 — would be worth ₹613,408 today. That's an XIRR (money-weighted annualised return) of 0.87%.

Motilal Oswal Liquid Fund Regular - IDCW Quarterly Payout/Reinvestment doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹857,400 — XIRR 0.58%.

On a 5-year basis, Motilal Oswal Liquid Fund Regular - IDCW Quarterly Payout/Reinvestment ranks #19 out of 63 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 1.42%; this fund delivered 0.57%.

The worst peak-to-trough decline Motilal Oswal Liquid Fund Regular - IDCW Quarterly Payout/Reinvestment has experienced over the last 5-year window is 1.76% — its NAV fell from a high on 31 Mar 2024 to a low on 01 Apr 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, Motilal Oswal Liquid Fund Regular - IDCW Quarterly Payout/Reinvestment averaged -0.06% (best 0.57%, worst -0.65%). 62% of rolling windows ended positive. The 5-year Sharpe ratio is -2.68 — negative risk-adjusted performance.

In calendar year 2025, Motilal Oswal Liquid Fund Regular - IDCW Quarterly Payout/Reinvestment returned -0.04% — lagging the Liquid Fund category average of 1.30% by 1.34 pp. It ranked #62 of 71 in its category that year.

Motilal Oswal Liquid Fund Regular - IDCW Quarterly Payout/Reinvestment 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. Motilal Oswal Liquid Fund Regular - IDCW Quarterly Payout/Reinvestment 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: 1.8%. 5-year CAGR: 0.57%.

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