Should I invest in PGIM India Liquid Fund?

We don't give personal investment advice. PGIM India Liquid Fund-Growth-GROWTH 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.

PGIM India

PGIM India Liquid Fund-Growth-GROWTH

Latest NAV

₹27.7060

As of

28 Jul 2019

1,034 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%	-4.00%	+4.03	1 / 13	Q1
1W	+0.12%	-3.91%	+4.03	7 / 13	Q3
2W	+0.25%	-3.82%	+4.07	3 / 13	Q1
1M	+0.55%	-3.62%	+4.17	1 / 13	Q1
3M	+1.75%	-2.73%	+4.48	1 / 13	Q1
6M	+3.65%	-1.51%	+5.16	1 / 13	Q1
YTD	+4.19%	-0.95%	+5.13	3 / 13	Q1
1Y	+6.60%	+0.96%	+5.65	1 / 13	Q1
2Y	+5.40%	+3.28%	+2.12	9 / 13	Q3
3Y	+5.06%	+4.09%	+0.97	9 / 13	Q3
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+5.16%	+4.16%	+1.01	9 / 13	Q3

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
2019 YTD	+4.19%	+6.05%	-1.87	6 / 6
2018	+4.97%	+6.11%	-1.15	5 / 6
2017	+3.99%	+5.93%	-1.94	6 / 6
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

+4.72%

30 windows

min 4.0% · max 6.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+4.97%

5 windows

min 4.9% · max 5.1%

100% positive

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

5-Year rolling

—

Insufficient history

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

0.37%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.00%

Dec 2016 → Dec 2016

% 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
Franklin India Liquid Fund - Unclaimed IDCW Investor Education Plan - Growth	Franklin India	₹10.0000	3 Jun 2026
HSBC Liquid Fund - Growth	HSBC	₹3,967.8162	3 Jun 2026
PGIM India Liquid Fund - Growth	PGIM India	₹359.2242	3 Jun 2026
Sundaram Liquid Fund (Formerly Known as Principal Cash Management Fund) -Growth Option	Sundaram	₹2,430.6722	3 Jun 2026
Union Liquid Fund - Growth Option	Union	₹2,654.9591	3 Jun 2026

Recent NAVs

Date	NAV
28 Jul 2019	₹27.7060
26 Jul 2019	₹27.6968
25 Jul 2019	₹27.6914
24 Jul 2019	₹27.6863
23 Jul 2019	₹27.6811
22 Jul 2019	₹27.6770
21 Jul 2019	₹27.6724
19 Jul 2019	₹27.6631
18 Jul 2019	₹27.6579
17 Jul 2019	₹27.6534

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 28 Jul 2019, the NAV of PGIM India Liquid Fund-Growth-GROWTH is ₹27.7060. It's a Liquid Fund from PGIM India, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

PGIM India Liquid Fund-Growth-GROWTH 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-Growth-GROWTH 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-Growth-GROWTH has delivered a absolute return of 6.60% — +5.65 pp ahead of the Liquid Fund category average of 0.96%. The fund ranks #1 of 13 in its category — the top (Q1) quartile.

Over the trailing 3-year window, PGIM India Liquid Fund-Growth-GROWTH has delivered a CAGR of 5.06% — +0.97 pp ahead of the Liquid Fund category average of 4.09%. The fund ranks #9 of 13 in its category — the third (Q3) quartile.

PGIM India Liquid Fund-Growth-GROWTH doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in PGIM India Liquid Fund-Growth-GROWTH exactly 3 years ago would be worth approximately ₹115,964 today — a multiplier of 1.16×, based on the 3-year CAGR of 5.06%. The category average over the same window would have grown ₹1 lakh to ₹112,778.

A ₹10,000 monthly SIP in PGIM India Liquid Fund-Growth-GROWTH over the last 3 years — total invested ₹360,000 — would be worth ₹391,931 today. That's an XIRR (money-weighted annualised return) of 5.60%.

PGIM India Liquid Fund-Growth-GROWTH doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹391,931 — XIRR 5.60%.

On a 3-year basis, PGIM India Liquid Fund-Growth-GROWTH ranks #9 out of 13 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 4.09%; this fund delivered 5.06%.

The worst peak-to-trough decline PGIM India Liquid Fund-Growth-GROWTH has experienced over the last 3-year window is 0.00% — its NAV fell from a high on 06 Dec 2016 to a low on 07 Dec 2016. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, PGIM India Liquid Fund-Growth-GROWTH averaged 4.97% (best 5.06%, worst 4.90%). 100% of rolling windows ended positive.

In calendar year 2018, PGIM India Liquid Fund-Growth-GROWTH returned 4.97% — lagging the Liquid Fund category average of 6.11% by 1.15 pp. It ranked #5 of 6 in its category that year.

PGIM India Liquid Fund-Growth-GROWTH 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-Growth-GROWTH 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.

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