Should I invest in Tata Liquid Super High Investment Plan - Monthly?

We don't give personal investment advice. Tata Liquid Super High Investment Plan - Monthly 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: 0.9%. 5-year CAGR: -0.14%.

Tata

Tata Liquid Super High Investment Plan - Monthly

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	-0.50%	-3.56%	+3.06	80 / 84	Q4
1W	-0.40%	-3.52%	+3.12	80 / 84	Q4
2W	-0.28%	-3.50%	+3.22	78 / 84	Q4
1M	+0.00%	-6.74%	+6.74	66 / 87	Q4
3M	-0.02%	-6.22%	+6.20	73 / 86	Q4
6M	-0.03%	-6.43%	+6.39	62 / 84	Q3
YTD	-0.07%	-6.15%	+6.08	69 / 85	Q4
1Y	-0.02%	-5.38%	+5.37	62 / 84	Q3
2Y	+0.00%	-6.52%	+6.52	61 / 86	Q3
3Y	-0.23%	-6.38%	+6.15	72 / 85	Q4
4Y	-0.21%	-7.58%	+7.37	62 / 74	Q4
5Y	-0.14%	-4.41%	+4.27	52 / 61	Q4
7Y	-0.05%	+0.51%	-0.56	46 / 50	Q4
10Y	-1.38%	+0.08%	-1.46	45 / 47	Q4
Inception	-1.12%	-6.05%	+4.93	80 / 88	Q4

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	-0.07%	+2.08%	-2.15	37 / 40
2016	-0.02%	+2.54%	-2.56	41 / 49
2015	-0.02%	+2.88%	-2.90	49 / 50
2014	+0.02%	+2.21%	-2.19	27 / 50
2013	-0.02%	+2.22%	-2.25	49 / 51
2012	-0.40%	+2.94%	-3.34	56 / 58
2011	+0.00%	-4.13%	+4.13	58 / 67
2010	—	—	—	—
2009	-100.00%	-0.61%	-99.39	63 / 63
2008	-0.02%	+2.48%	-2.50	54 / 54
2007	-0.06%	+2.06%	-2.12	45 / 45

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

-1.11%

114 windows

min -13.1% · max 1.1%

43% positive

3-Year rolling

-1.45%

92 windows

min -4.6% · max 0.3%

30% positive

5-Year rolling

-1.62%

69 windows

min -2.8% · max 0.0%

7% positive

7-Year rolling

-1.69%

52 windows

min -2.0% · max 0.0%

0% 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

1.74%

3-year · annualised

Sharpe ratio

-3.85

vs risk-free 6.5%

Sortino ratio

-5.36

Downside-only deviation

Max drawdown

-0.74%

Mar 2015 → Mar 2015

% positive months

41.7%

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	₹1,000.0000
26 Oct 2017	₹1,005.0373
25 Oct 2017	₹1,004.8601
24 Oct 2017	₹1,004.6936
23 Oct 2017	₹1,004.5250
22 Oct 2017	₹1,004.3605
21 Oct 2017	₹1,004.1919
20 Oct 2017	₹1,004.0234
19 Oct 2017	₹1,003.8550
18 Oct 2017	₹1,003.6866

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 Super High Investment Plan - Monthly is a Liquid from Tata (Unknown 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 Super High Investment Plan - Monthly 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 Super High Investment Plan - Monthly 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 Super High Investment Plan - Monthly has delivered a absolute return of -0.02% — +5.37 pp ahead of the Liquid category average of -5.38%. The fund ranks #62 of 84 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Tata Liquid Super High Investment Plan - Monthly has delivered a CAGR of -0.23% — +6.15 pp ahead of the Liquid category average of -6.38%. The fund ranks #72 of 85 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Tata Liquid Super High Investment Plan - Monthly has delivered a CAGR of -0.14% — +4.27 pp ahead of the Liquid category average of -4.41%. The fund ranks #52 of 61 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Tata Liquid Super High Investment Plan - Monthly exactly 10 years ago would be worth approximately ₹87,024 today — a multiplier of 0.87×, based on the 10-year CAGR of -1.38%. The category average over the same window would have grown ₹1 lakh to ₹100,791.

A ₹10,000 monthly SIP in Tata Liquid Super High Investment Plan - Monthly over the last 5 years — total invested ₹600,000 — would be worth ₹597,598 today. That's an XIRR (money-weighted annualised return) of -0.16%.

A ₹10,000 monthly SIP for 10 years in Tata Liquid Super High Investment Plan - Monthly = ₹1,120,000 invested. It would currently be worth ₹1,080,688 (multiplier 0.96×). XIRR: -0.73%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata Liquid Super High Investment Plan - Monthly ranks #52 out of 61 funds in the Liquid category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -4.41%; this fund delivered -0.14%.

The worst peak-to-trough decline Tata Liquid Super High Investment Plan - Monthly has experienced over the last 5-year window is 0.89% — its NAV fell from a high on 30 Oct 2013 to a low on 31 Oct 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 Super High Investment Plan - Monthly averaged -1.62% (best 0.04%, worst -2.79%). 7% of rolling windows ended positive. The 5-year Sharpe ratio is -3.90 — negative risk-adjusted performance.

In calendar year 2016, Tata Liquid Super High Investment Plan - Monthly returned -0.02% — lagging the Liquid category average of 2.54% by 2.56 pp. It ranked #41 of 49 in its category that year.

Tata Liquid Super High Investment Plan - Monthly 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 Super High Investment Plan - Monthly 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: 0.9%. 5-year CAGR: -0.14%.

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