Reliance
Reliance Liquid Fund-Treasury Plan-Retail Option - Growth Option Growth Plan
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
₹6,019.2528
As of
19 Jul 2026
6,271 NAV records on file
Category
Liquid Fund
Plan type
Dividend
Structure
Open-ended
AMFI Scheme Code
100837
ISIN (Growth)
INF204K01UL3
ISIN (Dividend)
—
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
No matches.
Compares up to 8 funds. Click any line in the legend above to hide/show it.
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% | +0.02% | +0.01 | 5 / 13 | Q2 |
| 1W | +0.11% | +0.06% | +0.05 | 5 / 13 | Q2 |
| 2W | +0.20% | +0.11% | +0.09 | 5 / 13 | Q2 |
| 1M | +0.53% | +0.16% | +0.37 | 4 / 13 | Q2 |
| 3M | +1.55% | +0.22% | +1.33 | 3 / 13 | Q1 |
| 6M | +3.75% | +0.83% | +2.92 | 1 / 13 | Q1 |
| YTD | +3.97% | +0.92% | +3.04 | 1 / 13 | Q1 |
| 1Y | +6.38% | +1.49% | +4.89 | 1 / 13 | Q1 |
| 2Y | +6.39% | +1.38% | +5.02 | 2 / 13 | Q1 |
| 3Y | +6.49% | +1.27% | +5.21 | 2 / 13 | Q1 |
| 4Y | +6.33% | +1.29% | +5.04 | 2 / 13 | Q1 |
| 5Y | +5.65% | +1.15% | +4.49 | 2 / 13 | Q1 |
| 7Y | +5.06% | +1.15% | +3.90 | 2 / 13 | Q1 |
| 10Y | +5.40% | +1.15% | +4.26 | 2 / 10 | Q1 |
| Inception | +6.44% | +1.63% | +4.81 | 2 / 11 | 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 |
|---|---|---|---|---|
| 2026 YTD | +3.97% | +0.92% | +3.04 | 1 / 13 |
| 2025 | +5.82% | +1.37% | +4.45 | 3 / 13 |
| 2024 | +6.70% | +1.07% | +5.63 | 2 / 13 |
| 2023 | +6.30% | +1.14% | +5.16 | 2 / 13 |
| 2022 | +4.12% | +1.01% | +3.11 | 2 / 13 |
| 2021 | +2.58% | +0.57% | +2.00 | 2 / 13 |
| 2020 | +3.55% | +1.21% | +2.34 | 4 / 13 |
| 2019 | +5.90% | +1.96% | +3.95 | 4 / 13 |
| 2018 | +6.49% | +2.21% | +4.28 | 4 / 13 |
| 2017 | +5.74% | +1.35% | +4.38 | 2 / 13 |
| 2016 | +6.72% | +1.44% | +5.29 | 2 / 10 |
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
+6.45%
236 windows
min 2.5% · max 9.2%
100% positive
3-Year rolling
+6.38%
211 windows
min 3.3% · max 8.7%
100% positive
5-Year rolling
+6.38%
187 windows
min 4.5% · max 8.3%
100% positive
7-Year rolling
+6.47%
163 windows
min 4.9% · max 7.7%
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
0.51%
3-year · annualised
Sharpe ratio
-0.38
vs risk-free 6.5%
Sortino ratio
—
Downside-only deviation
Max drawdown
-0.01%
Jul 2026 → Jul 2026
% 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 | NAV |
|---|---|
| Edelweiss Liquid Fund - Retail Plan - Weekly Dividend Option | ₹1,232.1102 |
| Axis Liquid Fund - Retail Plan - Daily IDCW | ₹1,000.9559 |
| Reliance Liquid Fund-Treasury Plan-Retail Option - Daily Dividend Option | ₹1,524.2800 |
| Birla Sun Life Cash Plus-Retail (Dividend) | ₹163.6940 |
Recent NAVs
| Date | NAV |
|---|---|
| 19 Jul 2026 | ₹6,019.2528 |
| 17 Jul 2026 | ₹6,017.3044 |
| 16 Jul 2026 | ₹6,015.6050 |
| 15 Jul 2026 | ₹6,014.2843 |
| 14 Jul 2026 | ₹6,013.6217 |
| 13 Jul 2026 | ₹6,013.5851 |
| 12 Jul 2026 | ₹6,012.7170 |
| 10 Jul 2026 | ₹6,010.8026 |
| 9 Jul 2026 | ₹6,008.9658 |
| 8 Jul 2026 | ₹6,007.5797 |
Advertisement
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 19 Jul 2026, the NAV of Reliance Liquid Fund-Treasury Plan-Retail Option - Growth Option Growth Plan is ₹6,019.2528. It's a Liquid Fund from Reliance, run as a Retail plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.
Reliance Liquid Fund-Treasury Plan-Retail Option - Growth Option Growth Plan 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-Treasury Plan-Retail Option - Growth Option Growth Plan 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-Treasury Plan-Retail Option - Growth Option Growth Plan has delivered a absolute return of 6.38% — +4.89 pp ahead of the Liquid Fund category average of 1.49%. The fund ranks #1 of 13 in its category — the top (Q1) quartile.
Over the trailing 3-year window, Reliance Liquid Fund-Treasury Plan-Retail Option - Growth Option Growth Plan has delivered a CAGR of 6.49% — +5.21 pp ahead of the Liquid Fund category average of 1.27%. The fund ranks #2 of 13 in its category — the top (Q1) quartile.
Over the trailing 5-year window, Reliance Liquid Fund-Treasury Plan-Retail Option - Growth Option Growth Plan has delivered a CAGR of 5.65% — +4.49 pp ahead of the Liquid Fund category average of 1.15%. The fund ranks #2 of 13 in its category — the top (Q1) quartile.
₹1 lakh invested in Reliance Liquid Fund-Treasury Plan-Retail Option - Growth Option Growth Plan exactly 10 years ago would be worth approximately ₹169,278 today — a multiplier of 1.69×, based on the 10-year CAGR of 5.40%. The category average over the same window would have grown ₹1 lakh to ₹112,062.
A ₹10,000 monthly SIP in Reliance Liquid Fund-Treasury Plan-Retail Option - Growth Option Growth Plan over the last 5 years — total invested ₹600,000 — would be worth ₹702,983 today. That's an XIRR (money-weighted annualised return) of 6.27%.
A ₹10,000 monthly SIP for 10 years in Reliance Liquid Fund-Treasury Plan-Retail Option - Growth Option Growth Plan = ₹1,200,000 invested. It would currently be worth ₹1,589,104 (multiplier 1.32×). XIRR: 5.48%. 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-Treasury Plan-Retail Option - Growth Option Growth Plan ranks #2 out of 13 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 1.15%; this fund delivered 5.65%.
The worst peak-to-trough decline Reliance Liquid Fund-Treasury Plan-Retail Option - Growth Option Growth Plan has experienced over the last 5-year window is 0.06% — its NAV fell from a high on 03 May 2022 to a low on 05 May 2022. 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-Treasury Plan-Retail Option - Growth Option Growth Plan averaged 6.38% (best 8.29%, worst 4.49%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.77 — negative risk-adjusted performance.
In calendar year 2025, Reliance Liquid Fund-Treasury Plan-Retail Option - Growth Option Growth Plan returned 5.82% — beating the Liquid Fund category average of 1.37% by 4.45 pp. It ranked #3 of 13 in its category that year.
Reliance Liquid Fund-Treasury Plan-Retail Option - Growth Option Growth Plan 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-Treasury Plan-Retail Option - Growth Option Growth Plan 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)
Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.
More from Reliance
- Reliance Liquid Fund-Institutional Plan-Daily Dividend Option
- Reliance Liquid Fund-Institutional Plan-Growth Option
- Reliance Liquid Fund-Institutional Plan-Monthly Dividend
- Reliance Liquid Fund-Institutional Plan-Weekly Dividend
- Reliance Liquid Fund-Treasury Plan-Retail Option - Daily Dividend Option
- Reliance Liquid Fund-Treasury Plan-Retail Option - Weekly Dividend
- Reliance Liquid Fund-Treasury Plan-Retail Plan Monthly Dividend
- Reliance Liquid Fund-Treasury Plan-Retail Plan Quarterly Dividend Option