Should I invest in Reliance Liquid Fund-Cash Plan?

We don't give personal investment advice. Reliance Liquid Fund-Cash Plan-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. Worst 5-year drawdown: 0.2%. 5-year CAGR: 7.26%.

Reliance

Reliance Liquid Fund-Cash Plan-Growth

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

₹2,714.7678

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%	-0.82%	+0.84	54 / 117	Q2
1W	+0.08%	-1.29%	+1.37	50 / 116	Q2
2W	+0.18%	-1.24%	+1.42	52 / 116	Q2
1M	+0.41%	-1.16%	+1.57	39 / 115	Q2
3M	+1.52%	-0.80%	+2.32	28 / 115	Q1
6M	+2.96%	-0.21%	+3.16	31 / 116	Q2
YTD	+2.28%	-0.05%	+2.33	40 / 116	Q2
1Y	+5.93%	+0.85%	+5.07	28 / 115	Q1
2Y	+6.02%	+1.10%	+4.92	30 / 111	Q2
3Y	+6.47%	+1.15%	+5.31	26 / 101	Q2
4Y	+6.90%	+1.03%	+5.87	2 / 92	Q1
5Y	+7.26%	+0.79%	+6.47	1 / 84	Q1
7Y	+7.76%	+0.51%	+7.25	1 / 78	Q1
10Y	+6.92%	+0.67%	+6.25	2 / 71	Q1
Inception	+6.73%	+1.28%	+5.45	12 / 114	Q1

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	+2.28%	+2.60%	-0.32	32 / 88
2017	+5.78%	+2.32%	+3.46	29 / 85
2016	+6.79%	+2.45%	+4.34	21 / 64
2015	+7.62%	+2.28%	+5.34	4 / 17
2014	+8.41%	+2.09%	+6.32	2 / 16
2013	+8.49%	+2.30%	+6.18	3 / 16
2012	+9.22%	-1.05%	+10.27	2 / 18
2011	+8.95%	+3.35%	+5.60	1 / 14
2010	+4.45%	+1.97%	+2.49	5 / 13
2009	+2.44%	-2.33%	+4.76	2 / 5
2008	+6.90%	+3.19%	+3.71	2 / 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

+6.82%

136 windows

min 1.7% · max 9.5%

100% positive

3-Year rolling

+6.95%

112 windows

min 4.4% · max 8.9%

100% positive

5-Year rolling

+7.18%

88 windows

min 5.2% · max 8.6%

100% positive

7-Year rolling

+7.21%

63 windows

min 6.3% · max 7.9%

100% 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

0.23%

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
HDFC Liquid Fund-Dividend - Daily	HDFC	₹1,019.8200	19 Jul 2026
NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION	Nippon India	₹1,009.0827	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

Recent NAVs

Date	NAV
20 May 2018	₹2,714.7678
19 May 2018	₹2,714.3026
18 May 2018	₹2,713.8371
17 May 2018	₹2,713.6914
16 May 2018	₹2,713.4487
15 May 2018	₹2,713.2091
14 May 2018	₹2,712.9099
13 May 2018	₹2,712.5126
12 May 2018	₹2,712.0731
11 May 2018	₹2,711.6335

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-Growth is ₹2,714.7678. 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-Growth has NAV history starting from 02 Apr 2006, a track record of about 20 years 3 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-Growth 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-Growth has delivered a absolute return of 5.93% — +5.07 pp ahead of the Liquid Fund category average of 0.85%. The fund ranks #28 of 115 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Reliance Liquid Fund-Cash Plan-Growth has delivered a CAGR of 6.47% — +5.31 pp ahead of the Liquid Fund category average of 1.15%. The fund ranks #26 of 101 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Reliance Liquid Fund-Cash Plan-Growth has delivered a CAGR of 7.26% — +6.47 pp ahead of the Liquid Fund category average of 0.79%. The fund ranks #1 of 84 in its category — the top (Q1) quartile.

₹1 lakh invested in Reliance Liquid Fund-Cash Plan-Growth exactly 10 years ago would be worth approximately ₹195,229 today — a multiplier of 1.95×, based on the 10-year CAGR of 6.92%. The category average over the same window would have grown ₹1 lakh to ₹106,891.

A ₹10,000 monthly SIP in Reliance Liquid Fund-Cash Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹710,576 today. That's an XIRR (money-weighted annualised return) of 6.70%.

A ₹10,000 monthly SIP for 10 years in Reliance Liquid Fund-Cash Plan-Growth = ₹1,200,000 invested. It would currently be worth ₹1,740,430 (multiplier 1.45×). XIRR: 7.22%. 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-Growth ranks #1 out of 84 funds in the Liquid Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 0.79%; this fund delivered 7.26%.

The worst peak-to-trough decline Reliance Liquid Fund-Cash Plan-Growth has experienced over the last 5-year window is 0.21% — its NAV fell from a high on 15 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-Growth averaged 7.18% (best 8.57%, worst 5.23%). 100% of rolling windows ended positive.

In calendar year 2017, Reliance Liquid Fund-Cash Plan-Growth returned 5.78% — beating the Liquid Fund category average of 2.32% by 3.46 pp. It ranked #29 of 85 in its category that year.

Reliance Liquid Fund-Cash Plan-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. Reliance Liquid Fund-Cash Plan-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. Worst 5-year drawdown: 0.2%. 5-year CAGR: 7.26%.

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

Reliance Liquid Fund-Cash Plan-Growth

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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