Should I invest in SBI Liquid Fund - Weekly Income Distribution cum Capital Withdrawal Option (IDCW)?

We don't give personal investment advice. SBI Liquid Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) 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: 4.52%.

SBI

SBI Liquid Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW)

Latest NAV

₹1,385.9546

As of

19 Jul 2026

4,582 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%	-0.03%	+0.06	57 / 139	Q2
1W	+0.00%	-0.02%	+0.02	77 / 139	Q3
2W	+0.00%	+0.01%	-0.01	67 / 139	Q2
1M	+0.03%	+0.02%	+0.01	56 / 139	Q2
3M	+0.00%	+0.19%	-0.19	58 / 138	Q2
6M	+0.00%	+0.51%	-0.51	103 / 136	Q4
YTD	-0.09%	+0.50%	-0.59	121 / 135	Q4
1Y	+0.02%	+1.02%	-1.00	91 / 128	Q3
2Y	+2.51%	+1.17%	+1.34	29 / 127	Q1
3Y	+4.10%	+1.38%	+2.72	26 / 122	Q1
4Y	+4.72%	+1.27%	+3.44	21 / 114	Q1
5Y	+4.52%	+1.20%	+3.32	19 / 113	Q1
7Y	+3.89%	+0.83%	+3.06	14 / 107	Q1
10Y	+2.70%	+0.66%	+2.03	7 / 73	Q1
Inception	+1.98%	+1.25%	+0.74	31 / 139	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	-0.09%	+0.37%	-0.46	106 / 120
2025	+1.91%	+1.10%	+0.81	24 / 115
2024	+7.35%	+1.42%	+5.93	17 / 118
2023	+7.05%	+1.63%	+5.43	19 / 112
2022	+4.85%	+1.11%	+3.74	17 / 116
2021	+3.36%	+0.45%	+2.91	11 / 107
2020	+2.83%	+0.35%	+2.48	16 / 110
2019	-0.03%	+1.19%	-1.22	71 / 99
2018	+0.01%	+1.03%	-1.02	48 / 91
2017	+0.00%	+1.12%	-1.12	33 / 87
2016	-0.13%	+1.02%	-1.16	70 / 73

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

+2.18%

153 windows

min -0.2% · max 7.4%

88% positive

3-Year rolling

+2.26%

129 windows

min 0.0% · max 6.7%

85% positive

5-Year rolling

+2.08%

105 windows

min 0.0% · max 5.4%

83% positive

7-Year rolling

+2.02%

80 windows

min 0.0% · max 3.9%

96% 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

1.00%

3-year · annualised

Sharpe ratio

-2.47

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.19%

Jul 2026 → Jul 2026

% positive months

86.1%

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 - IDCW Daily - Direct Plan	HDFC	₹1,019.8200	19 Jul 2026
NIPPON INDIA LIQUID FUND - DIRECT Plan - DAILY IDCW OPTION	Nippon India	₹1,528.7400	19 Jul 2026
SBI Liquid Fund - Direct Paln - Fortnightly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,436.4633	19 Jul 2026
ICICI Prudential Liquid Fund - Direct Plan - IDCW Others	ICICI Prudential	₹193.1300	19 Jul 2026
Invesco India Liquid Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment)	Invesco	₹1,086.1962	19 Jul 2026
BANDHAN LIQUID Fund -Direct Plan -Monthly IDCW	Bandhan	₹1,010.8163	19 Jul 2026
quant Liquid Fund - Monthly IDCW Option - Direct Plan	Quant	₹15.7900	19 Jul 2026
Aditya Birla Sun Life Liquid Fund -Direct - daily IDCW	Aditya Birla Sun Life	₹100.1950	19 Jul 2026
Motilal Oswal Liquid Fund Direct - IDCW Quarterly Payout/Reinvestment	Motilal Oswal	₹10.3227	19 Jul 2026
Franklin India Liquid Fund - Super Institutional Plan - Direct - Daily - IDCW	Franklin India	₹1,002.8152	19 Jul 2026

Recent NAVs

Date	NAV
19 Jul 2026	₹1,385.9546
17 Jul 2026	₹1,385.4972
16 Jul 2026	₹1,386.6539
15 Jul 2026	₹1,386.3640
14 Jul 2026	₹1,386.2085
13 Jul 2026	₹1,386.1735
12 Jul 2026	₹1,385.9527
10 Jul 2026	₹1,385.4972
9 Jul 2026	₹1,386.2843
8 Jul 2026	₹1,385.9503

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 SBI Liquid Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) is ₹1,385.9546. It's a Liquid Fund from SBI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI Liquid Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 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.

SBI Liquid Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) is managed by SBI. 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, SBI Liquid Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a absolute return of 0.02% — -1 pp behind the Liquid Fund category average of 1.02%. The fund ranks #91 of 128 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SBI Liquid Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 4.10% — +2.72 pp ahead of the Liquid Fund category average of 1.38%. The fund ranks #26 of 122 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SBI Liquid Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 4.52% — +3.32 pp ahead of the Liquid Fund category average of 1.20%. The fund ranks #19 of 113 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI Liquid Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) exactly 10 years ago would be worth approximately ₹130,491 today — a multiplier of 1.30×, based on the 10-year CAGR of 2.70%. The category average over the same window would have grown ₹1 lakh to ₹106,825.

A ₹10,000 monthly SIP in SBI Liquid Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) over the last 5 years — total invested ₹600,000 — would be worth ₹661,256 today. That's an XIRR (money-weighted annualised return) of 3.84%.

A ₹10,000 monthly SIP for 10 years in SBI Liquid Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) = ₹1,200,000 invested. It would currently be worth ₹1,439,921 (multiplier 1.20×). XIRR: 3.57%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI Liquid Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) ranks #19 out of 113 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 1.20%; this fund delivered 4.52%.

The worst peak-to-trough decline SBI Liquid Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) has experienced over the last 5-year window is 0.19% — its NAV fell from a high on 02 Jul 2026 to a low on 03 Jul 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, SBI Liquid Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) averaged 2.08% (best 5.39%, worst -0.02%). 83% of rolling windows ended positive. The 5-year Sharpe ratio is -2.48 — negative risk-adjusted performance.

In calendar year 2025, SBI Liquid Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) returned 1.91% — beating the Liquid Fund category average of 1.10% by 0.81 pp. It ranked #24 of 115 in its category that year.

SBI Liquid Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) 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. SBI Liquid Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) 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: 4.52%.

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