Should I invest in PGIM India Liquid Fund - Bonus Option?

We don't give personal investment advice. PGIM India Liquid Fund - Bonus 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: 0.1%. 5-year CAGR: 5.61%.

PGIM India

PGIM India Liquid Fund - Bonus Option

Latest NAV

₹186.8975

As of

21 Jan 2022

1,810 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%	-0.84%	+0.85	66 / 117	Q3
1W	+0.06%	-1.30%	+1.35	56 / 116	Q2
2W	+0.12%	-1.26%	+1.38	48 / 116	Q2
1M	+0.28%	-1.18%	+1.45	46 / 115	Q2
3M	+0.84%	-0.77%	+1.61	39 / 115	Q2
6M	+1.64%	-0.25%	+1.89	40 / 116	Q2
YTD	+0.19%	-0.28%	+0.47	53 / 116	Q2
1Y	+3.31%	+0.81%	+2.51	40 / 115	Q2
2Y	+3.67%	+1.09%	+2.58	36 / 111	Q2
3Y	+4.63%	+1.15%	+3.48	32 / 101	Q2
4Y	+5.34%	+1.01%	+4.33	28 / 92	Q2
5Y	+5.61%	+0.76%	+4.84	26 / 84	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+5.90%	+1.27%	+4.62	30 / 114	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
2022 YTD	+0.19%	+1.48%	-1.29	29 / 70
2021	+3.26%	+1.01%	+2.25	16 / 80
2020	+4.17%	+0.34%	+3.83	10 / 87
2019	+6.70%	+2.59%	+4.11	3 / 87
2018	+7.42%	+2.60%	+4.82	10 / 88
2017	+6.67%	+2.32%	+4.35	14 / 85
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

+5.95%

60 windows

min 3.2% · max 7.6%

100% positive

3-Year rolling

+6.29%

36 windows

min 4.6% · max 7.2%

100% positive

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

5-Year rolling

+5.92%

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

0.48%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.15%

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-Dividend - Daily	HDFC	₹1,019.8200	3 Jun 2026
NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION	Nippon India	₹1,017.6155	3 Jun 2026
ICICI Prudential Liquid Fund - IDCW Others	ICICI Prudential	₹189.7289	3 Jun 2026
Invesco India Liquid Fund - Unclaimed Dividend Plan - Above 3 Years	Invesco	₹1,000.0000	3 Jun 2026
BANDHAN LIQUID Fund - Unclaimed IDCW Less than 3 years	Bandhan	₹1.7935	3 Jun 2026
Quantum Liquid Fund - Unclaimed IDCW Plan Above 3 years	Quantum	₹10.0000	3 Jun 2026
Motilal Oswal Liquid Fund - Unclaimed Dividend - Greater than 3 years	Motilal Oswal	₹10.0000	3 Jun 2026
Templeton India Treasury Management - Institution-Daily	Franklin Templeton	₹1,000.0000	3 Jun 2026
Mirae Asset Cash Management Fund - Daily Dividend	Mirae Asset	₹1,066.4347	3 Jun 2026
HSBC Liquid Fund - IDCW	HSBC	₹1,019.3000	3 Jun 2026

Recent NAVs

Date	NAV
21 Jan 2022	₹186.8975
20 Jan 2022	₹186.8801
19 Jan 2022	₹186.8635
18 Jan 2022	₹186.8569
17 Jan 2022	₹186.8456
16 Jan 2022	₹186.8296
14 Jan 2022	₹186.7947
13 Jan 2022	₹186.7801
12 Jan 2022	₹186.7595
11 Jan 2022	₹186.7402

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 21 Jan 2022, the NAV of PGIM India Liquid Fund - Bonus Option is ₹186.8975. It's a Liquid Fund from PGIM India, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

PGIM India Liquid Fund - Bonus Option has NAV history starting from 08 Mar 2016, a track record of about 10 years 2 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.

PGIM India Liquid Fund - Bonus Option is managed by PGIM 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, PGIM India Liquid Fund - Bonus Option has delivered a absolute return of 3.31% — +2.51 pp ahead of the Liquid Fund category average of 0.81%. The fund ranks #40 of 115 in its category — the second (Q2) quartile.

Over the trailing 3-year window, PGIM India Liquid Fund - Bonus Option has delivered a CAGR of 4.63% — +3.48 pp ahead of the Liquid Fund category average of 1.15%. The fund ranks #32 of 101 in its category — the second (Q2) quartile.

Over the trailing 5-year window, PGIM India Liquid Fund - Bonus Option has delivered a CAGR of 5.61% — +4.84 pp ahead of the Liquid Fund category average of 0.76%. The fund ranks #26 of 84 in its category — the second (Q2) quartile.

₹1 lakh invested in PGIM India Liquid Fund - Bonus Option exactly 5 years ago would be worth approximately ₹131,351 today — a multiplier of 1.31×, based on the 5-year CAGR of 5.61%. The category average over the same window would have grown ₹1 lakh to ₹103,865.

A ₹10,000 monthly SIP in PGIM India Liquid Fund - Bonus Option over the last 5 years — total invested ₹600,000 — would be worth ₹677,860 today. That's an XIRR (money-weighted annualised return) of 4.81%.

PGIM India Liquid Fund - Bonus Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹677,860 — XIRR 4.81%.

On a 5-year basis, PGIM India Liquid Fund - Bonus Option ranks #26 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 0.76%; this fund delivered 5.61%.

The worst peak-to-trough decline PGIM India Liquid Fund - Bonus Option has experienced over the last 5-year window is 0.15% — its NAV fell from a high on 17 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, PGIM India Liquid Fund - Bonus Option averaged 5.92% (best 6.30%, worst 5.61%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -2.03 — negative risk-adjusted performance.

In calendar year 2021, PGIM India Liquid Fund - Bonus Option returned 3.26% — beating the Liquid Fund category average of 1.01% by 2.25 pp. It ranked #16 of 80 in its category that year.

PGIM India Liquid Fund - Bonus 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. PGIM India Liquid Fund - Bonus 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: 0.1%. 5-year CAGR: 5.61%.

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

PGIM India Liquid Fund - Bonus Option

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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