Should I invest in Reliance Liquid Fund-Monthly Dividend?

We don't give personal investment advice. Reliance Liquid Fund-Institutional Plan-Monthly 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: 0.8%. 5-year CAGR: 0.02%.

Reliance

Reliance Liquid Fund-Institutional Plan-Monthly 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

₹1,586.5792

As of

3 Jun 2026

5,989 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%	+0.01%	+0.01	26 / 46	Q3
1W	+0.15%	+0.06%	+0.09	3 / 46	Q1
2W	-0.15%	+0.10%	-0.25	45 / 46	Q4
1M	+0.08%	+0.22%	-0.14	22 / 46	Q2
3M	+0.06%	+0.67%	-0.61	21 / 46	Q2
6M	+0.05%	+1.27%	-1.21	23 / 46	Q2
YTD	+0.04%	+1.06%	-1.02	26 / 46	Q3
1Y	+0.04%	+2.35%	-2.31	25 / 46	Q3
2Y	+0.02%	+2.56%	-2.53	26 / 46	Q3
3Y	+0.00%	+2.62%	-2.62	30 / 46	Q3
4Y	+0.01%	+2.68%	-2.66	31 / 45	Q3
5Y	+0.02%	+2.48%	-2.47	28 / 45	Q3
7Y	-0.01%	+2.34%	-2.35	44 / 45	Q4
10Y	-0.02%	+2.51%	-2.53	43 / 43	Q4
Inception	-0.36%	+2.49%	-2.85	42 / 42	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	+0.04%	+1.12%	-1.08	22 / 38
2025	-0.06%	+2.63%	-2.68	37 / 38
2024	-0.02%	+3.08%	-3.10	35 / 38
2023	-0.01%	+3.02%	-3.03	38 / 38
2022	+0.05%	+2.16%	-2.10	22 / 40
2021	+0.00%	+1.46%	-1.46	24 / 40
2020	-0.11%	+1.63%	-1.74	43 / 44
2019	-0.10%	+2.29%	-2.39	44 / 45
2018	-0.05%	+2.61%	-2.66	45 / 45
2017	-0.02%	+2.33%	-2.35	44 / 45
2016	-0.04%	+2.72%	-2.77	40 / 44

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

+0.44%

221 windows

min -27.0% · max 47.7%

49% positive

3-Year rolling

-0.58%

204 windows

min -10.2% · max 26.2%

42% positive

5-Year rolling

-1.30%

177 windows

min -6.2% · max 15.0%

22% positive

7-Year rolling

-1.64%

153 windows

min -4.4% · max 5.6%

8% 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

0.31%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.78%

Apr 2026 → Apr 2026

% positive months

50.0%

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
SBI Premier Liquid Fund - Institutional - Daily Dividend	SBI	₹1,398.0143	3 Jun 2026
ICICI Prudential Liquid Plan - -Super Institutional Dividend Daily	ICICI Prudential	₹100.1482	3 Jun 2026
Templeton India Treasury Management Account-Super Institutional Plan - Daily Dividend	Franklin Templeton	₹1,000.0000	3 Jun 2026
Kotak Liquid-Institutional Premium Plan - (Daily Dividend)	Kotak Mahindra	₹1,262.0921	3 Jun 2026
DSP BlackRock Liquidity Fund- Institutional Plan-Daily Dividend	DSP BlackRock	₹1,001.4663	3 Jun 2026
HSBC Liquid Fund - Institutional Daily IDCW	HSBC	₹1,562.8262	3 Jun 2026
Canara Robeco Liquid-Super Institutional-Daily Div Reinvest.	Canara Robeco	₹1,005.5000	3 Jun 2026
Tata Floating Short Term Institutional Plan (Growth)	UTI	₹4,344.9468	3 Jun 2026
Birla Sun Life Cash Plus-Institutional - Weekly Dividend	Birla Sun Life	₹108.2863	3 Jun 2026
JM High Liquidity Fund-Super Institutional Plan- Growth	JM Financial	₹43.2368	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,586.5792
2 Jun 2026	₹1,586.3356
1 Jun 2026	₹1,586.1278
31 May 2026	₹1,585.7765
29 May 2026	₹1,585.2057
28 May 2026	₹1,584.6004
26 May 2026	₹1,584.0201
25 May 2026	₹1,583.8258
24 May 2026	₹1,589.8755
22 May 2026	₹1,589.3312

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 03 Jun 2026, the NAV of Reliance Liquid Fund-Institutional Plan-Monthly Dividend is ₹1,586.5792. It's a Liquid Fund from Reliance, run as a Institutional plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Reliance Liquid Fund-Institutional Plan-Monthly 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-Institutional Plan-Monthly 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-Institutional Plan-Monthly Dividend has delivered a absolute return of 0.04% — -2.31 pp behind the Liquid Fund category average of 2.35%. The fund ranks #25 of 46 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Reliance Liquid Fund-Institutional Plan-Monthly Dividend has delivered a CAGR of 0.00% — -2.62 pp behind the Liquid Fund category average of 2.62%. The fund ranks #30 of 46 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Reliance Liquid Fund-Institutional Plan-Monthly Dividend has delivered a CAGR of 0.02% — -2.47 pp behind the Liquid Fund category average of 2.48%. The fund ranks #28 of 45 in its category — the third (Q3) quartile.

₹1 lakh invested in Reliance Liquid Fund-Institutional Plan-Monthly Dividend exactly 10 years ago would be worth approximately ₹99,821 today — a multiplier of 1.00×, based on the 10-year CAGR of -0.02%. The category average over the same window would have grown ₹1 lakh to ₹128,141.

A ₹10,000 monthly SIP in Reliance Liquid Fund-Institutional Plan-Monthly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹600,244 today. That's an XIRR (money-weighted annualised return) of 0.02%.

A ₹10,000 monthly SIP for 10 years in Reliance Liquid Fund-Institutional Plan-Monthly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,199,936 (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-Institutional Plan-Monthly Dividend ranks #28 out of 45 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 2.48%; this fund delivered 0.02%.

The worst peak-to-trough decline Reliance Liquid Fund-Institutional Plan-Monthly Dividend has experienced over the last 5-year window is 0.78% — its NAV fell from a high on 26 Apr 2026 to a low on 27 Apr 2026. 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-Institutional Plan-Monthly Dividend averaged -1.30% (best 15.03%, worst -6.17%). 22% of rolling windows ended positive.

In calendar year 2025, Reliance Liquid Fund-Institutional Plan-Monthly Dividend returned -0.06% — lagging the Liquid Fund category average of 2.63% by 2.68 pp. It ranked #37 of 38 in its category that year.

Reliance Liquid Fund-Institutional Plan-Monthly 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-Institutional Plan-Monthly 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: 0.8%. 5-year CAGR: 0.02%.

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