Should I invest in Navi Liquid Fund Monthly IDCW?

We don't give personal investment advice. Navi Liquid Fund - Direct Plan Monthly IDCW - Payout 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: 1.6%. 5-year CAGR: 0.00%.

Navi

Navi Liquid Fund - Direct Plan Monthly IDCW - Payout

Unit split applied to historical metrics

This scheme had 2 unit consolidations (0× on 27 Nov 2022, 100× on 21 Sep 2014). 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

₹10.0205

As of

3 Jun 2026

4,023 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%	0.00%	+0.02	22 / 139	Q1
1W	-0.36%	+0.04%	-0.40	136 / 138	Q4
2W	-0.26%	+0.05%	-0.31	135 / 138	Q4
1M	-0.05%	+0.11%	-0.16	110 / 138	Q4
3M	+0.01%	+0.30%	-0.30	86 / 138	Q3
6M	+0.01%	+0.41%	-0.40	86 / 135	Q3
YTD	-0.04%	+0.39%	-0.43	105 / 135	Q4
1Y	+0.02%	+1.00%	-0.99	73 / 128	Q3
2Y	+0.01%	+1.19%	-1.17	76 / 127	Q3
3Y	-0.02%	+1.40%	-1.42	102 / 122	Q4
4Y	-0.01%	+1.28%	-1.29	97 / 114	Q4
5Y	+0.00%	+1.19%	-1.19	81 / 113	Q3
7Y	0.00%	+0.84%	-0.84	87 / 107	Q4
10Y	-0.01%	+0.68%	-0.69	65 / 73	Q4
Inception	-0.01%	+1.24%	-1.24	132 / 139	Q4

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	-0.04%	+0.25%	-0.29	91 / 120
2025	-0.03%	+1.10%	-1.12	91 / 115
2024	+0.04%	+1.42%	-1.38	54 / 118
2023	+0.00%	+1.63%	-1.62	60 / 112
2022	+0.22%	+1.11%	-0.89	40 / 116
2021	+0.31%	+0.45%	-0.14	23 / 107
2020	-0.01%	+0.35%	-0.36	75 / 110
2019	-0.04%	+1.19%	-1.23	79 / 99
2018	+0.01%	+1.03%	-1.02	42 / 91
2017	0.00%	+1.12%	-1.12	66 / 87
2016	+0.66%	+1.02%	-0.37	13 / 73

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

+0.01%

151 windows

min -1.1% · max 1.4%

52% positive

3-Year rolling

-0.01%

126 windows

min -0.4% · max 0.4%

44% positive

5-Year rolling

-0.01%

102 windows

min -0.1% · max 0.2%

32% positive

7-Year rolling

-0.01%

78 windows

min -0.1% · max 0.2%

18% 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

0.21%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.65%

Jan 2025 → Mar 2026

% positive months

55.6%

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 - IDCW Daily - Direct Plan	HDFC	₹1,019.8200	3 Jun 2026
NIPPON INDIA LIQUID FUND - DIRECT Plan - DAILY IDCW OPTION	Nippon India	₹1,528.7400	3 Jun 2026
SBI Liquid Fund - Direct Paln - Fortnightly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,423.4119	3 Jun 2026
ICICI Prudential Liquid Fund - Direct Plan - IDCW Others	ICICI Prudential	₹191.3611	3 Jun 2026
Invesco India Liquid Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment)	Invesco	₹1,083.5347	3 Jun 2026
BANDHAN LIQUID Fund -Direct Plan -Monthly IDCW	Bandhan	₹1,008.3799	3 Jun 2026
quant Liquid Fund - Monthly IDCW Option - Direct Plan	Quant	₹15.7591	3 Jun 2026
Aditya Birla Sun Life Liquid Fund -Direct - daily IDCW	Aditya Birla Sun Life	₹100.1950	3 Jun 2026
Motilal Oswal Liquid Fund Direct - IDCW Quarterly Payout/Reinvestment	Motilal Oswal	₹10.2338	3 Jun 2026
Franklin India Liquid Fund - Super Institutional Plan - Direct - Daily - IDCW	Franklin India	₹1,002.8152	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.0205
2 Jun 2026	₹10.0189
1 Jun 2026	₹10.0174
31 May 2026	₹10.0156
29 May 2026	₹10.0612
28 May 2026	₹10.0585
26 May 2026	₹10.0552
25 May 2026	₹10.0540
24 May 2026	₹10.0526
22 May 2026	₹10.0494

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 Navi Liquid Fund - Direct Plan Monthly IDCW - Payout is ₹10.0205. It's a Liquid Fund from Navi, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Navi Liquid Fund - Direct Plan Monthly IDCW - Payout has NAV history starting from 04 Feb 2013, a track record of about 13 years 3 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.

Navi Liquid Fund - Direct Plan Monthly IDCW - Payout is managed by Navi. 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, Navi Liquid Fund - Direct Plan Monthly IDCW - Payout has delivered a absolute return of 0.02% — -0.99 pp behind the Liquid Fund category average of 1.00%. The fund ranks #73 of 128 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Navi Liquid Fund - Direct Plan Monthly IDCW - Payout has delivered a CAGR of -0.02% — -1.42 pp behind the Liquid Fund category average of 1.40%. The fund ranks #102 of 122 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Navi Liquid Fund - Direct Plan Monthly IDCW - Payout has delivered a CAGR of 0.00% — -1.19 pp behind the Liquid Fund category average of 1.19%. The fund ranks #81 of 113 in its category — the third (Q3) quartile.

₹1 lakh invested in Navi Liquid Fund - Direct Plan Monthly IDCW - Payout exactly 10 years ago would be worth approximately ₹99,913 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 ₹106,990.

A ₹10,000 monthly SIP in Navi Liquid Fund - Direct Plan Monthly IDCW - Payout over the last 5 years — total invested ₹600,000 — would be worth ₹599,827 today. That's an XIRR (money-weighted annualised return) of -0.01%.

A ₹10,000 monthly SIP for 10 years in Navi Liquid Fund - Direct Plan Monthly IDCW - Payout = ₹1,200,000 invested. It would currently be worth ₹1,199,694 (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, Navi Liquid Fund - Direct Plan Monthly IDCW - Payout ranks #81 out of 113 funds in the Liquid Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 1.19%; this fund delivered 0.00%.

The worst peak-to-trough decline Navi Liquid Fund - Direct Plan Monthly IDCW - Payout has experienced over the last 5-year window is 1.63% — its NAV fell from a high on 26 May 2023 to a low on 28 Mar 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, Navi Liquid Fund - Direct Plan Monthly IDCW - Payout averaged -0.01% (best 0.22%, worst -0.12%). 32% of rolling windows ended positive.

In calendar year 2025, Navi Liquid Fund - Direct Plan Monthly IDCW - Payout returned -0.03% — lagging the Liquid Fund category average of 1.10% by 1.12 pp. It ranked #91 of 115 in its category that year.

Navi Liquid Fund - Direct Plan Monthly IDCW - Payout 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. Navi Liquid Fund - Direct Plan Monthly IDCW - Payout 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: 1.6%. 5-year CAGR: 0.00%.

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

Navi Liquid Fund - Direct Plan Monthly IDCW - Payout

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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