Should I invest in Tata Liquid Retail Investment Plan - Fortnightly?

We don't give personal investment advice. Tata Liquid Retail Investment Plan - Fortnightly 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: 0.7%. 5-year CAGR: -0.05%.

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Tata Liquid Retail Investment Plan - Fortnightly

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	-0.19%	+0.01%	-0.20	29 / 29	Q4
1W	-0.11%	+0.01%	-0.11	26 / 29	Q4
2W	+0.00%	+0.07%	-0.07	21 / 29	Q3
1M	+0.00%	+0.15%	-0.15	24 / 29	Q4
3M	-0.02%	+0.39%	-0.41	24 / 29	Q4
6M	-0.03%	+0.88%	-0.91	25 / 29	Q4
YTD	-0.06%	+0.97%	-1.03	27 / 29	Q4
1Y	-0.02%	+1.77%	-1.79	24 / 29	Q4
2Y	+0.00%	+1.77%	-1.77	21 / 26	Q4
3Y	-0.09%	+1.81%	-1.90	22 / 25	Q4
4Y	-0.08%	+1.76%	-1.84	24 / 26	Q4
5Y	-0.05%	+2.01%	-2.06	23 / 23	Q4
7Y	+0.00%	+2.01%	-2.01	18 / 19	Q4
10Y	+0.00%	+2.96%	-2.96	5 / 5	Q4
Inception	+0.08%	+1.80%	-1.72	11 / 27	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
2017 YTD	-0.06%	+0.73%	-0.79	7 / 7
2016	-0.02%	+1.75%	-1.76	14 / 15
2015	-0.02%	+1.62%	-1.64	15 / 19
2014	+0.02%	+2.36%	-2.34	8 / 19
2013	-0.03%	+2.10%	-2.12	20 / 20
2012	-0.05%	+2.03%	-2.08	23 / 26
2011	+0.00%	+1.81%	-1.81	27 / 28
2010	-0.01%	+1.35%	-1.36	27 / 27
2009	-0.02%	+1.09%	-1.11	17 / 25
2008	-0.02%	+2.40%	-2.42	15 / 15
2007	-0.06%	+2.59%	-2.65	9 / 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

+0.01%

129 windows

min -0.3% · max 0.9%

47% positive

3-Year rolling

+0.01%

105 windows

min -0.1% · max 0.3%

57% positive

5-Year rolling

+0.01%

81 windows

min -0.1% · max 0.2%

58% positive

7-Year rolling

+0.01%

56 windows

min 0.0% · max 0.1%

68% 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

0.65%

3-year · annualised

Sharpe ratio

-10.09

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.37%

Dec 2014 → Dec 2014

% positive months

52.8%

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	₹1,144.9739
26 Oct 2017	₹1,147.2090
25 Oct 2017	₹1,147.0294
24 Oct 2017	₹1,146.8620
23 Oct 2017	₹1,146.6925
22 Oct 2017	₹1,146.5276
21 Oct 2017	₹1,146.3579
20 Oct 2017	₹1,146.1885
19 Oct 2017	₹1,146.0190
18 Oct 2017	₹1,145.8496

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 - Fortnightly 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 - Fortnightly 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 - Fortnightly 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 - Fortnightly has delivered a absolute return of -0.02% — -1.79 pp behind the Liquid category average of 1.77%. The fund ranks #24 of 29 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Tata Liquid Retail Investment Plan - Fortnightly has delivered a CAGR of -0.09% — -1.9 pp behind the Liquid category average of 1.81%. The fund ranks #22 of 25 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Tata Liquid Retail Investment Plan - Fortnightly has delivered a CAGR of -0.05% — -2.06 pp behind the Liquid category average of 2.01%. The fund ranks #23 of 23 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Tata Liquid Retail Investment Plan - Fortnightly exactly 10 years ago would be worth approximately ₹100,000 today — a multiplier of 1.00×, based on the 10-year CAGR of 0.00%. 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 - Fortnightly over the last 5 years — total invested ₹600,000 — would be worth ₹599,075 today. That's an XIRR (money-weighted annualised return) of -0.06%.

A ₹10,000 monthly SIP for 10 years in Tata Liquid Retail Investment Plan - Fortnightly = ₹1,200,000 invested. It would currently be worth ₹1,197,814 (multiplier 1.00×). XIRR: -0.04%. 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 - Fortnightly ranks #23 out of 23 funds in the Liquid category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 2.01%; this fund delivered -0.05%.

The worst peak-to-trough decline Tata Liquid Retail Investment Plan - Fortnightly has experienced over the last 5-year window is 0.70% — its NAV fell from a high on 14 Apr 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 - Fortnightly averaged 0.01% (best 0.18%, worst -0.06%). 58% of rolling windows ended positive. The 5-year Sharpe ratio is -10.22 — negative risk-adjusted performance.

In calendar year 2016, Tata Liquid Retail Investment Plan - Fortnightly returned -0.02% — lagging the Liquid category average of 1.75% by 1.76 pp. It ranked #14 of 15 in its category that year.

Tata Liquid Retail Investment Plan - Fortnightly 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 - Fortnightly 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: 0.7%. 5-year CAGR: -0.05%.

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

Tata Liquid Retail Investment Plan - Fortnightly

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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