Should I invest in NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION?

We don't give personal investment advice. NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION 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: 0.09%.

Nippon India

NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 6 Aug 2012. 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

₹1,009.0827

As of

19 Jul 2026

4,410 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%	-0.82%	+0.85	24 / 117	Q1
1W	+0.11%	-1.29%	+1.40	27 / 116	Q1
2W	+0.20%	-1.24%	+1.44	34 / 116	Q2
1M	+0.51%	-1.16%	+1.67	30 / 115	Q2
3M	-0.18%	-0.80%	+0.62	106 / 115	Q4
6M	+0.07%	-0.21%	+0.28	53 / 116	Q2
YTD	+0.31%	-0.05%	+0.35	52 / 116	Q2
1Y	+0.09%	+0.85%	-0.77	51 / 115	Q2
2Y	+0.03%	+1.10%	-1.07	50 / 111	Q2
3Y	+0.01%	+1.15%	-1.15	58 / 101	Q3
4Y	+0.07%	+1.03%	-0.96	39 / 92	Q2
5Y	+0.09%	+0.79%	-0.71	35 / 84	Q2
7Y	-0.01%	+0.51%	-0.52	67 / 78	Q4
10Y	-0.01%	+0.67%	-0.68	63 / 71	Q4
Inception	-4.65%	+1.28%	-5.93	112 / 114	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	+0.31%	+1.37%	-1.06	31 / 73
2025	+0.06%	+2.57%	-2.51	32 / 69
2024	0.00%	+2.54%	-2.54	57 / 71
2023	-0.01%	+2.47%	-2.47	56 / 66
2022	+0.13%	+1.48%	-1.35	31 / 70
2021	+0.00%	+1.01%	-1.01	41 / 80
2020	-0.24%	+0.34%	-0.58	81 / 87
2019	-0.13%	+2.59%	-2.72	83 / 87
2018	+0.05%	+2.60%	-2.55	47 / 88
2017	0.00%	+2.32%	-2.32	67 / 85
2016	-0.03%	+2.45%	-2.48	56 / 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

+0.01%

159 windows

min -0.8% · max 1.6%

47% positive

3-Year rolling

-0.70%

138 windows

min -23.5% · max 0.5%

45% positive

5-Year rolling

-0.55%

115 windows

min -14.9% · max 0.3%

24% positive

7-Year rolling

-0.40%

90 windows

min -10.7% · max 0.2%

11% 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

2.61%

3-year · annualised

Sharpe ratio

-2.47

vs risk-free 6.5%

Sortino ratio

-3.04

Downside-only deviation

Max drawdown

-1.78%

Mar 2024 → Mar 2024

% positive months

66.7%

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	19 Jul 2026
ICICI Prudential Liquid Fund - IDCW Others	ICICI Prudential	₹191.4582	19 Jul 2026
Invesco India Liquid Fund - Unclaimed Dividend Plan - Above 3 Years	Invesco	₹1,000.0000	19 Jul 2026
BANDHAN LIQUID Fund - Unclaimed IDCW Less than 3 years	Bandhan	₹1.8099	19 Jul 2026
Quantum Liquid Fund - Unclaimed IDCW Plan Above 3 years	Quantum	₹10.0000	19 Jul 2026
Motilal Oswal Liquid Fund - Unclaimed Dividend - Greater than 3 years	Motilal Oswal	₹10.0000	19 Jul 2026
Templeton India Treasury Management - Institution-Daily	Franklin Templeton	₹1,000.0000	19 Jul 2026
Mirae Asset Cash Management Fund - Daily Dividend	Mirae Asset	₹1,066.4347	19 Jul 2026
HSBC Liquid Fund - IDCW	HSBC	₹1,019.3000	19 Jul 2026
BARODA PIONEER LIQUID FUND INSTITUITIONAL PLAN - DAILY DIVIDEND OPTION	Baroda Pioneer	₹1,001.1996	19 Jul 2026

Recent NAVs

Date	NAV
19 Jul 2026	₹1,009.0827
17 Jul 2026	₹1,008.7510
16 Jul 2026	₹1,008.4636
15 Jul 2026	₹1,008.2396
14 Jul 2026	₹1,008.1260
13 Jul 2026	₹1,008.1173
12 Jul 2026	₹1,007.9692
10 Jul 2026	₹1,007.6432
9 Jul 2026	₹1,007.3328
8 Jul 2026	₹1,007.0979

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 NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION is ₹1,009.0827. It's a Liquid Fund from Nippon India, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION has NAV history starting from 22 Dec 2009, a track record of about 16 years 6 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.

NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION is managed by Nippon India. 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, NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION has delivered a absolute return of 0.09% — -0.77 pp behind the Liquid Fund category average of 0.85%. The fund ranks #51 of 115 in its category — the second (Q2) quartile.

Over the trailing 3-year window, NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION has delivered a CAGR of 0.01% — -1.15 pp behind the Liquid Fund category average of 1.15%. The fund ranks #58 of 101 in its category — the third (Q3) quartile.

Over the trailing 5-year window, NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION has delivered a CAGR of 0.09% — -0.71 pp behind the Liquid Fund category average of 0.79%. The fund ranks #35 of 84 in its category — the second (Q2) quartile.

₹1 lakh invested in NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION exactly 10 years ago would be worth approximately ₹99,916 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 ₹106,891.

A ₹10,000 monthly SIP in NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION over the last 5 years — total invested ₹600,000 — would be worth ₹599,320 today. That's an XIRR (money-weighted annualised return) of -0.04%.

A ₹10,000 monthly SIP for 10 years in NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION = ₹1,200,000 invested. It would currently be worth ₹1,199,192 (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, NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION ranks #35 out of 84 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 0.79%; this fund delivered 0.09%.

The worst peak-to-trough decline NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION has experienced over the last 5-year window is 1.78% — its NAV fell from a high on 20 Mar 2024 to a low on 21 Mar 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, NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION averaged -0.55% (best 0.27%, worst -14.86%). 24% of rolling windows ended positive. The 5-year Sharpe ratio is -2.67 — negative risk-adjusted performance.

In calendar year 2025, NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION returned 0.06% — lagging the Liquid Fund category average of 2.57% by 2.51 pp. It ranked #32 of 69 in its category that year.

NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION 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. NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION 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: 0.09%.

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