Should I invest in SBI Premier Liquid Fund - Institutional - Weekly Dividend?

We don't give personal investment advice. SBI Premier Liquid Fund - Institutional - Weekly 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: 7.18%.

SBI

SBI Premier Liquid Fund - Institutional - Weekly Dividend

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 13 Jan 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).

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	+41.33%	+0.34%	+40.99	1 / 110	Q1
1W	+41.31%	+0.31%	+41.00	1 / 107	Q1
2W	+41.32%	+0.36%	+40.96	1 / 106	Q1
1M	+41.36%	+0.37%	+40.99	1 / 106	Q1
3M	+41.30%	+0.70%	+40.60	1 / 105	Q1
6M	+41.30%	-0.73%	+42.03	1 / 105	Q1
YTD	+41.37%	-1.59%	+42.96	1 / 102	Q1
1Y	+41.32%	-0.61%	+41.94	1 / 100	Q1
2Y	+18.90%	-0.86%	+19.76	1 / 96	Q1
3Y	+12.24%	-1.06%	+13.30	1 / 89	Q1
4Y	+9.05%	-1.39%	+10.43	2 / 86	Q1
5Y	+7.18%	+0.08%	+7.09	18 / 76	Q1
7Y	+5.06%	-1.37%	+6.43	16 / 53	Q2
10Y	+3.53%	+3.10%	+0.42	7 / 16	Q2
Inception	+2.86%	-1.26%	+4.12	28 / 110	Q2

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
2019 YTD	+41.37%	+5.19%	+36.18	1 / 15
2018	+0.01%	+0.91%	-0.90	10 / 15
2017	+0.00%	+1.55%	-1.55	12 / 17
2016	-0.13%	+1.80%	-1.93	31 / 33
2015	-0.01%	+2.35%	-2.36	31 / 38
2014	0.00%	+2.71%	-2.71	42 / 47
2013	+0.00%	+0.78%	-0.78	38 / 64
2012	+0.02%	+155.04%	-155.02	34 / 65
2011	+0.00%	-0.45%	+0.45	55 / 67
2010	+0.06%	-1.24%	+1.30	36 / 73
2009	+0.00%	+0.17%	-0.17	31 / 75

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

+0.33%

137 windows

min -0.2% · max 41.3%

88% positive

3-Year rolling

+0.12%

113 windows

min 0.0% · max 12.2%

65% positive

5-Year rolling

+0.09%

89 windows

min 0.0% · max 7.2%

57% positive

7-Year rolling

+0.09%

65 windows

min 0.0% · max 5.1%

71% 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

23.56%

3-year · annualised

Sharpe ratio

0.31

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.20%

Mar 2018 → Mar 2018

% positive months

63.9%

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.

Recent NAVs

Date	NAV
9 Aug 2019	₹1,500.0000
8 Aug 2019	₹1,061.3227
7 Aug 2019	₹1,061.1386
6 Aug 2019	₹1,060.8707
5 Aug 2019	₹1,060.6818
4 Aug 2019	₹1,060.5220
2 Aug 2019	₹1,061.5317
1 Aug 2019	₹1,061.3221
31 Jul 2019	₹1,061.1195
30 Jul 2019	₹1,060.9221

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.

SBI Premier Liquid Fund - Institutional - Weekly Dividend is a Liquid from SBI (Institutional plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

SBI Premier Liquid Fund - Institutional - Weekly Dividend has NAV history starting from 23 Mar 2007, a track record of about 19 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.

SBI Premier Liquid Fund - Institutional - Weekly Dividend is managed by SBI. It's classified by AMFI under the 'Liquid' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI Premier Liquid Fund - Institutional - Weekly Dividend has delivered a absolute return of 41.32% — +41.94 pp ahead of the Liquid category average of -0.61%. The fund ranks #1 of 100 in its category — the top (Q1) quartile.

Over the trailing 3-year window, SBI Premier Liquid Fund - Institutional - Weekly Dividend has delivered a CAGR of 12.24% — +13.3 pp ahead of the Liquid category average of -1.06%. The fund ranks #1 of 89 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SBI Premier Liquid Fund - Institutional - Weekly Dividend has delivered a CAGR of 7.18% — +7.09 pp ahead of the Liquid category average of 0.08%. The fund ranks #18 of 76 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI Premier Liquid Fund - Institutional - Weekly Dividend exactly 10 years ago would be worth approximately ₹141,415 today — a multiplier of 1.41×, based on the 10-year CAGR of 3.53%. The category average over the same window would have grown ₹1 lakh to ₹135,735.

A ₹10,000 monthly SIP in SBI Premier Liquid Fund - Institutional - Weekly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹848,275 today. That's an XIRR (money-weighted annualised return) of 13.81%.

A ₹10,000 monthly SIP for 10 years in SBI Premier Liquid Fund - Institutional - Weekly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,696,515 (multiplier 1.41×). XIRR: 6.73%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI Premier Liquid Fund - Institutional - Weekly Dividend ranks #18 out of 76 funds in the Liquid category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 0.08%; this fund delivered 7.18%.

The worst peak-to-trough decline SBI Premier Liquid Fund - Institutional - Weekly Dividend has experienced over the last 5-year window is 0.26% — its NAV fell from a high on 01 Apr 2016 to a low on 09 Apr 2016. 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 Premier Liquid Fund - Institutional - Weekly Dividend averaged 0.09% (best 7.18%, worst -0.02%). 57% of rolling windows ended positive. The 5-year Sharpe ratio is 0.10 — weak risk-adjusted performance.

In calendar year 2018, SBI Premier Liquid Fund - Institutional - Weekly Dividend returned 0.01% — lagging the Liquid category average of 0.91% by 0.90 pp. It ranked #10 of 15 in its category that year.

SBI Premier Liquid Fund - Institutional - Weekly 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. SBI Premier Liquid Fund - Institutional - Weekly 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: 7.18%.

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