Should I invest in Tata Liquid Fund?

We don't give personal investment advice. Tata Liquid Fund- Direct Plan-Growth Option 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: 0.1%. 5-year CAGR: 6.15%.

Tata

Tata Liquid Fund- Direct Plan-Growth Option

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 2 Feb 2014. 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

₹4,401.9608

As of

3 Jun 2026

4,328 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%	+0.00	10 / 49	Q1
1W	+0.13%	+0.12%	+0.01	32 / 49	Q3
2W	+0.24%	+0.21%	+0.03	15 / 49	Q2
1M	+0.49%	+0.42%	+0.06	13 / 49	Q2
3M	+1.66%	+1.44%	+0.22	22 / 49	Q2
6M	+3.18%	+2.76%	+0.43	16 / 49	Q2
YTD	+2.67%	+2.27%	+0.40	23 / 49	Q2
1Y	+6.26%	+5.37%	+0.88	9 / 46	Q1
2Y	+6.80%	+5.81%	+0.99	9 / 43	Q1
3Y	+6.98%	+6.00%	+0.98	9 / 43	Q1
4Y	+6.81%	+5.89%	+0.92	17 / 42	Q2
5Y	+6.15%	+5.47%	+0.68	16 / 40	Q2
7Y	+5.71%	+5.64%	+0.08	10 / 33	Q2
10Y	+6.16%	+6.10%	+0.05	8 / 28	Q2
Inception	+6.86%	+5.60%	+1.26	6 / 49	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	+2.67%	+2.52%	+0.15	23 / 44
2025	+6.62%	+6.04%	+0.58	7 / 40
2024	+7.41%	+6.80%	+0.62	19 / 39
2023	+7.07%	+6.47%	+0.60	18 / 38
2022	+4.87%	+4.08%	+0.79	24 / 42
2021	+3.34%	+2.92%	+0.41	24 / 40
2020	+4.41%	+3.90%	+0.50	2 / 37
2019	+6.66%	+6.20%	+0.47	15 / 35
2018	+7.47%	+6.88%	+0.59	18 / 33
2017	+6.73%	+6.29%	+0.44	15 / 33
2016	+7.68%	+7.68%	+0.00	13 / 25

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

+6.80%

152 windows

min 3.2% · max 9.9%

100% positive

3-Year rolling

+6.53%

127 windows

min 4.1% · max 9.0%

100% positive

5-Year rolling

+6.32%

103 windows

min 5.3% · max 8.3%

100% positive

7-Year rolling

+6.30%

79 windows

min 5.7% · max 7.9%

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

0.21%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.00%

Mar 2025 → Mar 2025

% 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	Fund house	NAV	As of
HDFC Liquid Fund - Growth Option - Direct Plan	HDFC	₹5,475.7034	3 Jun 2026
Nippon India Liquid Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹6,826.8562	3 Jun 2026
SBI Liquid Fund - DIRECT PLAN -Growth	SBI	₹4,358.9364	3 Jun 2026
ICICI Prudential Liquid Fund - Direct Plan - Growth	ICICI Prudential	₹412.5956	3 Jun 2026
Invesco India Liquid Fund - Direct Plan - Growth	Invesco	₹3,826.8123	3 Jun 2026
BANDHAN LIQUID Fund -Direct Plan-Growth	Bandhan	₹3,367.4474	3 Jun 2026
quant Liquid Fund - Growth Option - Direct Plan	Quant	₹44.7002	3 Jun 2026
Aditya Birla Sun Life Liquid Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹450.5148	3 Jun 2026
Motilal Oswal Liquid Fund - Direct Growth	Motilal Oswal	₹14.6931	3 Jun 2026
Franklin India Liquid Fund - Super Institutional - Direct - Growth	Franklin India	₹4,191.3513	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹4,401.9608
2 Jun 2026	₹4,401.2990
1 Jun 2026	₹4,400.6432
31 May 2026	₹4,399.7710
29 May 2026	₹4,398.2339
28 May 2026	₹4,397.0440
26 May 2026	₹4,395.5129
25 May 2026	₹4,394.8684
24 May 2026	₹4,394.1810
22 May 2026	₹4,392.6847

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 Tata Liquid Fund- Direct Plan-Growth Option is ₹4,401.9608. It's a Liquid Fund from Tata, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Tata Liquid Fund- Direct Plan-Growth Option has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 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.

Tata Liquid Fund- Direct Plan-Growth Option is managed by Tata. 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, Tata Liquid Fund- Direct Plan-Growth Option has delivered a absolute return of 6.26% — +0.88 pp ahead of the Liquid Fund category average of 5.37%. The fund ranks #9 of 46 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Tata Liquid Fund- Direct Plan-Growth Option has delivered a CAGR of 6.98% — +0.98 pp ahead of the Liquid Fund category average of 6.00%. The fund ranks #9 of 43 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Tata Liquid Fund- Direct Plan-Growth Option has delivered a CAGR of 6.15% — +0.68 pp ahead of the Liquid Fund category average of 5.47%. The fund ranks #16 of 40 in its category — the second (Q2) quartile.

₹1 lakh invested in Tata Liquid Fund- Direct Plan-Growth Option exactly 10 years ago would be worth approximately ₹181,750 today — a multiplier of 1.82×, based on the 10-year CAGR of 6.16%. The category average over the same window would have grown ₹1 lakh to ₹180,858.

A ₹10,000 monthly SIP in Tata Liquid Fund- Direct Plan-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹710,505 today. That's an XIRR (money-weighted annualised return) of 6.69%.

A ₹10,000 monthly SIP for 10 years in Tata Liquid Fund- Direct Plan-Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,640,809 (multiplier 1.37×). XIRR: 6.09%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata Liquid Fund- Direct Plan-Growth Option ranks #16 out of 40 funds in the Liquid Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 5.47%; this fund delivered 6.15%.

The worst peak-to-trough decline Tata Liquid Fund- Direct Plan-Growth Option has experienced over the last 5-year window is 0.05% — 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, Tata Liquid Fund- Direct Plan-Growth Option averaged 6.32% (best 8.29%, worst 5.27%). 100% of rolling windows ended positive.

In calendar year 2025, Tata Liquid Fund- Direct Plan-Growth Option returned 6.62% — beating the Liquid Fund category average of 6.04% by 0.58 pp. It ranked #7 of 40 in its category that year.

Tata Liquid Fund- Direct Plan-Growth Option 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. Tata Liquid Fund- Direct Plan-Growth Option 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: 0.1%. 5-year CAGR: 6.15%.

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

Tata Liquid Fund- Direct Plan-Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Liquid Fund

Recent NAVs

Frequently asked questions

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