Should I invest in Reliance Liquid Fund-Cash Plan?

We don't give personal investment advice. Reliance Liquid Fund-Cash Plan-Dividend 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: 0.3%. 5-year CAGR: -0.01%.

Reliance

Reliance Liquid Fund-Cash Plan-Dividend

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 5 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

₹1,092.0644

As of

20 May 2018

3,742 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%	-0.84%	+0.86	10 / 117	Q1
1W	+0.00%	-1.30%	+1.30	66 / 116	Q3
2W	+0.00%	-1.26%	+1.27	61 / 116	Q3
1M	+0.03%	-1.18%	+1.21	63 / 115	Q3
3M	+0.00%	-0.77%	+0.77	71 / 115	Q3
6M	+0.00%	-0.25%	+0.25	66 / 116	Q3
YTD	-0.02%	-0.28%	+0.26	101 / 116	Q4
1Y	+0.03%	+0.81%	-0.77	55 / 115	Q2
2Y	+0.02%	+1.09%	-1.07	59 / 111	Q3
3Y	-0.03%	+1.15%	-1.18	91 / 101	Q4
4Y	-0.02%	+1.01%	-1.03	81 / 92	Q4
5Y	-0.01%	+0.76%	-0.77	72 / 84	Q4
7Y	0.00%	+0.50%	-0.50	63 / 78	Q4
10Y	-0.01%	+0.67%	-0.67	60 / 71	Q4
Inception	+0.00%	+1.27%	-1.27	76 / 114	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
2018 YTD	-0.02%	+2.60%	-2.62	82 / 88
2017	+0.01%	+2.32%	-2.31	42 / 85
2016	+0.00%	+2.45%	-2.45	42 / 64
2015	-0.06%	+2.28%	-2.35	14 / 17
2014	+0.01%	+2.09%	-2.08	5 / 16
2013	0.00%	+2.30%	-2.31	13 / 16
2012	+0.02%	-1.05%	+1.07	7 / 18
2011	+0.00%	+3.35%	-3.35	12 / 14
2010	+0.00%	+1.97%	-1.97	12 / 13
2009	-0.07%	-2.33%	+2.26	4 / 5
2008	+0.00%	+3.19%	-3.19	5 / 5

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%

136 windows

min -0.7% · max 0.2%

61% positive

3-Year rolling

0.00%

112 windows

min -0.1% · max 0.0%

58% positive

5-Year rolling

+0.00%

88 windows

min 0.0% · max 0.0%

44% positive

7-Year rolling

+0.00%

63 windows

min -0.1% · max 0.0%

70% 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

0.20%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.27%

Apr 2016 → Apr 2016

% positive months

58.3%

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
20 May 2018	₹1,092.0644
19 May 2018	₹1,091.8773
18 May 2018	₹1,091.6900
17 May 2018	₹1,092.5169
16 May 2018	₹1,092.4211
15 May 2018	₹1,092.3245
14 May 2018	₹1,092.2040
13 May 2018	₹1,092.0439
12 May 2018	₹1,091.8670
11 May 2018	₹1,091.6900

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 20 May 2018, the NAV of Reliance Liquid Fund-Cash Plan-Dividend is ₹1,092.0644. It's a Liquid Fund from Reliance, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Reliance Liquid Fund-Cash Plan-Dividend has NAV history starting from 02 Apr 2006, a track record of about 20 years 2 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.

Reliance Liquid Fund-Cash Plan-Dividend is managed by Reliance. 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, Reliance Liquid Fund-Cash Plan-Dividend has delivered a absolute return of 0.03% — -0.77 pp behind the Liquid Fund category average of 0.81%. The fund ranks #55 of 115 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Reliance Liquid Fund-Cash Plan-Dividend has delivered a CAGR of -0.03% — -1.18 pp behind the Liquid Fund category average of 1.15%. The fund ranks #91 of 101 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Reliance Liquid Fund-Cash Plan-Dividend has delivered a CAGR of -0.01% — -0.77 pp behind the Liquid Fund category average of 0.76%. The fund ranks #72 of 84 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Reliance Liquid Fund-Cash Plan-Dividend exactly 10 years ago would be worth approximately ₹99,937 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 ₹106,873.

A ₹10,000 monthly SIP in Reliance Liquid Fund-Cash Plan-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹599,872 today. That's an XIRR (money-weighted annualised return) of -0.01%.

A ₹10,000 monthly SIP for 10 years in Reliance Liquid Fund-Cash Plan-Dividend = ₹1,200,000 invested. It would currently be worth ₹1,199,754 (multiplier 1.00×). XIRR: -0.00%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Reliance Liquid Fund-Cash Plan-Dividend ranks #72 out of 84 funds in the Liquid Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 0.76%; this fund delivered -0.01%.

The worst peak-to-trough decline Reliance Liquid Fund-Cash Plan-Dividend has experienced over the last 5-year window is 0.29% — its NAV fell from a high on 04 Jul 2013 to a low on 16 Jul 2013. 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, Reliance Liquid Fund-Cash Plan-Dividend averaged 0.00% (best 0.04%, worst -0.04%). 44% of rolling windows ended positive.

In calendar year 2017, Reliance Liquid Fund-Cash Plan-Dividend returned 0.01% — lagging the Liquid Fund category average of 2.32% by 2.31 pp. It ranked #42 of 85 in its category that year.

Reliance Liquid Fund-Cash Plan-Dividend 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. Reliance Liquid Fund-Cash Plan-Dividend 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: 0.3%. 5-year CAGR: -0.01%.

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