Should I invest in Shinsei Liquid Fund - Institutional?

We don't give personal investment advice. Shinsei Liquid Fund - Institutional - 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.

Shinsei

Shinsei Liquid Fund - Institutional - Growth

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 6 Oct 2009. 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).

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	+0.04%	+0.34%	-0.30	6 / 110	Q1
1W	+0.13%	+0.31%	-0.17	22 / 107	Q1
2W	+0.27%	+0.36%	-0.09	22 / 106	Q1
1M	+0.59%	+0.37%	+0.22	17 / 106	Q1
3M	+1.68%	+0.70%	+0.98	19 / 105	Q1
6M	+3.21%	-0.73%	+3.94	19 / 105	Q1
YTD	+0.31%	-1.59%	+1.90	35 / 102	Q2
1Y	+5.60%	-0.61%	+6.21	23 / 100	Q1
2Y	—	—	—	—	—
3Y	—	—	—	—	—
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+5.15%	-1.26%	+6.41	27 / 110	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
2011 YTD	+0.31%	-0.45%	+0.76	27 / 67
2010	+5.44%	-1.24%	+6.68	5 / 73
2009	—	—	—	—

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

+4.97%

7 windows

min 4.5% · max 5.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

—

Insufficient history

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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.

Recent NAVs

Date	NAV
16 Jan 2011	₹1,079.6719
14 Jan 2011	₹1,079.2654
13 Jan 2011	₹1,079.0631
12 Jan 2011	₹1,078.8564
11 Jan 2011	₹1,078.6480
10 Jan 2011	₹1,078.4397
9 Jan 2011	₹1,078.2319
7 Jan 2011	₹1,077.8155
6 Jan 2011	₹1,077.6090
5 Jan 2011	₹1,077.3934

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.

Shinsei Liquid Fund - Institutional - Growth is a Liquid from Shinsei (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.

Shinsei Liquid Fund - Institutional - Growth has NAV history starting from 12 Jul 2009, a track record of about 16 years 10 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.

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

Over the trailing 1-year window, Shinsei Liquid Fund - Institutional - Growth has delivered a absolute return of 5.60% — +6.21 pp ahead of the Liquid category average of -0.61%. The fund ranks #23 of 100 in its category — the top (Q1) quartile.

Shinsei Liquid Fund - Institutional - Growth doesn't have a complete 3-year window yet (we need at least 3 year of NAVs). Check the shorter-window returns above.

Shinsei Liquid Fund - Institutional - Growth doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

Shinsei Liquid Fund - Institutional - Growth doesn't yet have a 3-year CAGR on file, so a ₹1 lakh growth projection isn't reliable.

A ₹10,000 monthly SIP in Shinsei Liquid Fund - Institutional - Growth over the last 1 year — total invested ₹120,000 — would be worth ₹123,988 today. That's an XIRR (money-weighted annualised return) of 6.17%.

Shinsei Liquid Fund - Institutional - Growth doesn't yet have 10 years of NAVs. Over the longest available window (1-year SIP), ₹10,000/month would have grown to ₹123,988 — XIRR 6.17%.

Shinsei Liquid Fund - Institutional - Growth doesn't yet have a peer rank on file — typically because its category set is too small or it lacks the required NAV history. Compare manually using the returns table above.

Shinsei Liquid Fund - Institutional - Growth doesn't have a computed drawdown figure yet.

Consistency stats for Shinsei Liquid Fund - Institutional - Growth need at least 3 years of NAVs to compute. They'll populate automatically once the fund has enough history.

In calendar year 2010, Shinsei Liquid Fund - Institutional - Growth returned 5.44% — beating the Liquid category average of -1.24% by 6.68 pp. It ranked #5 of 73 in its category that year.

Shinsei Liquid Fund - Institutional - 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. Shinsei Liquid Fund - Institutional - 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.

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