Should I invest in Tata Liquid Retail Investment Plan?

We don't give personal investment advice. Tata Liquid Retail Investment Plan - 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. Worst 5-year drawdown: 0.2%. 5-year CAGR: 7.49%.

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Tata Liquid Retail Investment Plan - Growth

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	+0.02%	+0.01%	+0.01	17 / 29	Q3
1W	+0.10%	+0.01%	+0.10	9 / 29	Q2
2W	+0.21%	+0.07%	+0.14	9 / 29	Q2
1M	+0.46%	+0.15%	+0.31	7 / 29	Q1
3M	+1.41%	+0.39%	+1.02	6 / 29	Q1
6M	+2.88%	+0.88%	+2.00	6 / 29	Q1
YTD	+4.81%	+0.97%	+3.84	4 / 29	Q1
1Y	+5.90%	+1.77%	+4.13	5 / 29	Q1
2Y	+6.42%	+1.77%	+4.64	5 / 26	Q1
3Y	+6.84%	+1.81%	+5.03	5 / 25	Q1
4Y	+7.27%	+1.76%	+5.52	4 / 26	Q1
5Y	+7.49%	+2.01%	+5.48	4 / 23	Q1
7Y	+7.77%	+2.01%	+5.76	2 / 19	Q1
10Y	+7.32%	+2.96%	+4.35	2 / 5	Q2
Inception	+7.32%	+1.80%	+5.52	2 / 27	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
2017 YTD	+4.81%	+0.73%	+4.08	1 / 7
2016	+6.76%	+1.75%	+5.02	2 / 15
2015	+7.49%	+1.62%	+5.87	3 / 19
2014	+8.42%	+2.36%	+6.05	2 / 19
2013	+8.46%	+2.10%	+6.36	2 / 20
2012	+8.77%	+2.03%	+6.74	2 / 26
2011	+8.36%	+1.81%	+6.55	3 / 28
2010	+5.02%	+1.35%	+3.68	3 / 27
2009	+4.77%	+1.09%	+3.68	4 / 25
2008	+8.77%	+2.40%	+6.38	2 / 15
2007	+7.88%	+2.59%	+5.30	1 / 9

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

+7.42%

129 windows

min 3.9% · max 9.0%

100% positive

3-Year rolling

+7.45%

105 windows

min 6.0% · max 8.6%

100% positive

5-Year rolling

+7.52%

81 windows

min 6.7% · max 8.3%

100% positive

7-Year rolling

+7.50%

56 windows

min 7.3% · max 7.8%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

0.24%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.00%

Peak to trough

% 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.

Recent NAVs

Date	NAV
27 Oct 2017	₹3,672.3850
26 Oct 2017	₹3,671.8210
25 Oct 2017	₹3,671.2460
24 Oct 2017	₹3,670.7104
23 Oct 2017	₹3,670.1686
22 Oct 2017	₹3,669.6407
21 Oct 2017	₹3,669.0975
20 Oct 2017	₹3,668.5551
19 Oct 2017	₹3,668.0127
18 Oct 2017	₹3,667.4706

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.

Tata Liquid Retail Investment Plan - Growth is a Liquid from Tata (Retail plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Tata Liquid Retail Investment Plan - Growth has NAV history starting from 03 Apr 2006, a track record of about 20 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.

Tata Liquid Retail Investment Plan - Growth is managed by Tata. It's classified by AMFI under the 'Liquid' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Tata Liquid Retail Investment Plan - Growth has delivered a absolute return of 5.90% — +4.13 pp ahead of the Liquid category average of 1.77%. The fund ranks #5 of 29 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Tata Liquid Retail Investment Plan - Growth has delivered a CAGR of 6.84% — +5.03 pp ahead of the Liquid category average of 1.81%. The fund ranks #5 of 25 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Tata Liquid Retail Investment Plan - Growth has delivered a CAGR of 7.49% — +5.48 pp ahead of the Liquid category average of 2.01%. The fund ranks #4 of 23 in its category — the top (Q1) quartile.

₹1 lakh invested in Tata Liquid Retail Investment Plan - Growth exactly 10 years ago would be worth approximately ₹202,621 today — a multiplier of 2.03×, based on the 10-year CAGR of 7.32%. The category average over the same window would have grown ₹1 lakh to ₹133,904.

A ₹10,000 monthly SIP in Tata Liquid Retail Investment Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹716,262 today. That's an XIRR (money-weighted annualised return) of 7.01%.

A ₹10,000 monthly SIP for 10 years in Tata Liquid Retail Investment Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,752,444 (multiplier 1.46×). XIRR: 7.35%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata Liquid Retail Investment Plan - Growth ranks #4 out of 23 funds in the Liquid category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.01%; this fund delivered 7.49%.

The worst peak-to-trough decline Tata Liquid Retail Investment Plan - Growth has experienced over the last 5-year window is 0.19% — its NAV fell from a high on 15 Jul 2013 to a low on 16 Jul 2013. 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 Retail Investment Plan - Growth averaged 7.52% (best 8.32%, worst 6.70%). 100% of rolling windows ended positive.

In calendar year 2016, Tata Liquid Retail Investment Plan - Growth returned 6.76% — beating the Liquid category average of 1.75% by 5.02 pp. It ranked #2 of 15 in its category that year.

Tata Liquid Retail Investment Plan - 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. Tata Liquid Retail Investment Plan - 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. Worst 5-year drawdown: 0.2%. 5-year CAGR: 7.49%.

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

Tata Liquid Retail Investment Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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