Should I invest in TRUSTMF Liquid Fund?

We don't give personal investment advice. TRUSTMF Liquid Fund-Direct 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: 0.5%. 5-year CAGR: 6.20%.

TRUSTMF Liquid Fund-Direct Plan-Growth

Latest NAV

₹1,361.8943

As of

19 Jul 2026

1,591 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	+0.03%	+0.03%	+0.01	25 / 49	Q3
1W	+0.11%	+0.10%	+0.01	15 / 49	Q2
2W	+0.20%	+0.18%	+0.02	18 / 49	Q2
1M	+0.54%	+0.47%	+0.07	21 / 49	Q2
3M	+1.57%	+1.39%	+0.18	32 / 49	Q3
6M	+3.33%	+2.92%	+0.41	31 / 49	Q3
YTD	+3.58%	+3.07%	+0.50	31 / 49	Q3
1Y	+6.30%	+5.51%	+0.79	29 / 46	Q3
2Y	+6.71%	+5.81%	+0.90	28 / 43	Q3
3Y	+6.92%	+6.02%	+0.90	28 / 43	Q3
4Y	+6.84%	+5.95%	+0.89	26 / 42	Q3
5Y	+6.20%	+5.56%	+0.65	26 / 40	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.07%	+5.69%	+0.39	34 / 49	Q3

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	+3.58%	+3.41%	+0.16	31 / 44
2025	+6.51%	+6.04%	+0.47	28 / 40
2024	+7.33%	+6.80%	+0.54	28 / 39
2023	+7.08%	+6.47%	+0.61	15 / 38
2022	+4.89%	+4.08%	+0.81	22 / 42
2021	—	—	—	—

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

+6.35%

52 windows

min 3.4% · max 7.4%

100% positive

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

3-Year rolling

+6.62%

28 windows

min 5.6% · max 7.0%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+6.12%

4 windows

min 6.0% · max 6.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

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.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

0.26%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.49%

Feb 2024 → Feb 2024

% 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	₹5,525.3379	19 Jul 2026
Nippon India Liquid Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹6,890.0668	19 Jul 2026
SBI Liquid Fund - DIRECT PLAN -Growth	SBI	₹4,398.9037	19 Jul 2026
ICICI Prudential Liquid Fund - Direct Plan - Growth	ICICI Prudential	₹416.4095	19 Jul 2026
Invesco India Liquid Fund - Direct Plan - Growth	Invesco	₹3,862.1248	19 Jul 2026
BANDHAN LIQUID Fund -Direct Plan-Growth	Bandhan	₹3,398.1655	19 Jul 2026
quant Liquid Fund - Growth Option - Direct Plan	Quant	₹45.0690	19 Jul 2026
Aditya Birla Sun Life Liquid Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹454.7213	19 Jul 2026
Motilal Oswal Liquid Fund - Direct Growth	Motilal Oswal	₹14.8208	19 Jul 2026
Franklin India Liquid Fund - Super Institutional - Direct - Growth	Franklin India	₹4,230.9429	19 Jul 2026

Recent NAVs

Date	NAV
19 Jul 2026	₹1,361.8943
17 Jul 2026	₹1,361.4429
16 Jul 2026	₹1,361.0489
15 Jul 2026	₹1,360.7545
14 Jul 2026	₹1,360.5953
13 Jul 2026	₹1,360.5736
12 Jul 2026	₹1,360.3527
10 Jul 2026	₹1,359.9072
9 Jul 2026	₹1,359.4637
8 Jul 2026	₹1,359.1647

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 19 Jul 2026, the NAV of TRUSTMF Liquid Fund-Direct Plan-Growth is ₹1,361.8943. It's a Liquid Fund from the fund house, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

TRUSTMF Liquid Fund-Direct Plan-Growth has NAV history starting from 25 Apr 2021, a track record of about 5 years 2 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.

TRUSTMF Liquid Fund-Direct Plan-Growth is managed by the fund house. 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, TRUSTMF Liquid Fund-Direct Plan-Growth has delivered a absolute return of 6.30% — +0.79 pp ahead of the Liquid Fund category average of 5.51%. The fund ranks #29 of 46 in its category — the third (Q3) quartile.

Over the trailing 3-year window, TRUSTMF Liquid Fund-Direct Plan-Growth has delivered a CAGR of 6.92% — +0.9 pp ahead of the Liquid Fund category average of 6.02%. The fund ranks #28 of 43 in its category — the third (Q3) quartile.

Over the trailing 5-year window, TRUSTMF Liquid Fund-Direct Plan-Growth has delivered a CAGR of 6.20% — +0.65 pp ahead of the Liquid Fund category average of 5.56%. The fund ranks #26 of 40 in its category — the third (Q3) quartile.

₹1 lakh invested in TRUSTMF Liquid Fund-Direct Plan-Growth exactly 5 years ago would be worth approximately ₹135,116 today — a multiplier of 1.35×, based on the 5-year CAGR of 6.20%. The category average over the same window would have grown ₹1 lakh to ₹131,059.

A ₹10,000 monthly SIP in TRUSTMF Liquid Fund-Direct Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹710,441 today. That's an XIRR (money-weighted annualised return) of 6.69%.

TRUSTMF Liquid Fund-Direct Plan-Growth doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹710,441 — XIRR 6.69%.

On a 5-year basis, TRUSTMF Liquid Fund-Direct Plan-Growth ranks #26 out of 40 funds in the Liquid Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 5.56%; this fund delivered 6.20%.

The worst peak-to-trough decline TRUSTMF Liquid Fund-Direct Plan-Growth has experienced over the last 5-year window is 0.49% — its NAV fell from a high on 07 Feb 2024 to a low on 08 Feb 2024. 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, TRUSTMF Liquid Fund-Direct Plan-Growth averaged 6.12% (best 6.20%, worst 6.04%). 100% of rolling windows ended positive.

In calendar year 2025, TRUSTMF Liquid Fund-Direct Plan-Growth returned 6.51% — beating the Liquid Fund category average of 6.04% by 0.47 pp. It ranked #28 of 40 in its category that year.

TRUSTMF Liquid Fund-Direct 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. TRUSTMF Liquid Fund-Direct 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: 0.5%. 5-year CAGR: 6.20%.

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

TRUSTMF Liquid Fund-Direct Plan-Growth

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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