Should I invest in TRUSTMF Liquid Fund-Monthly Income Distribution cum Capital Withdrawal?

We don't give personal investment advice. TRUSTMF Liquid Fund-Regular Plan-Monthly Income Distribution cum Capital Withdrawal 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: 0.3%. 5-year CAGR: 3.72%.

TRUSTMF Liquid Fund-Regular Plan-Monthly Income Distribution cum Capital Withdrawal

Latest NAV

₹1,207.3000

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%	+0.02%	+0.01	36 / 83	Q2
1W	+0.11%	+0.01%	+0.10	19 / 83	Q1
2W	+0.20%	+0.04%	+0.16	24 / 83	Q2
1M	+0.36%	+0.05%	+0.31	21 / 83	Q2
3M	+1.02%	+0.31%	+0.71	20 / 82	Q1
6M	+2.22%	+0.75%	+1.47	20 / 83	Q1
YTD	+2.45%	+0.87%	+1.59	20 / 82	Q1
1Y	+4.00%	+0.13%	+3.86	18 / 76	Q1
2Y	+4.32%	+1.46%	+2.86	16 / 74	Q1
3Y	+4.49%	+1.64%	+2.85	16 / 72	Q1
4Y	+4.38%	+1.56%	+2.82	14 / 64	Q1
5Y	+3.72%	+1.42%	+2.30	15 / 63	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+3.66%	+0.34%	+3.31	18 / 82	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	+2.45%	+0.81%	+1.65	18 / 78
2025	+4.13%	+1.30%	+2.83	15 / 71
2024	+4.84%	+1.65%	+3.19	18 / 73
2023	+4.53%	+1.96%	+2.57	17 / 67
2022	+2.35%	+1.26%	+1.09	19 / 67
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

+3.86%

52 windows

min 1.0% · max 5.0%

100% positive

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

3-Year rolling

+4.13%

28 windows

min 3.1% · max 4.6%

100% positive

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

5-Year rolling

+3.66%

4 windows

min 3.6% · max 3.7%

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

0.25%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.29%

Apr 2026 → Apr 2026

% 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
BANDHAN LIQUID Fund - Regular Plan - Periodic IDCW	Bandhan	₹1,450.7685	19 Jul 2026
Quantum Liquid Fund - Regular Plan Daily IDCW	Quantum	₹10.0002	19 Jul 2026
Aditya Birla Sun Life Liquid Fund -Regular - IDCW	Aditya Birla Sun Life	₹104.0158	19 Jul 2026
Motilal Oswal Liquid Fund Regular - IDCW Daily Reinvestment	Motilal Oswal	₹10.0075	19 Jul 2026
Templeton India Treasury Management Account-Regular Plan - Daily Dividend	Franklin Templeton	₹1,508.9895	19 Jul 2026
Kotak Liquid Fund - Regular Plan - Weekly - Reinvestment & Payout of Income Distribution cum capital withdrawal option	Kotak	₹1,044.9709	19 Jul 2026
Parag Parikh Liquid Fund- Regular Plan- Daily Reinvestment of IDCW	Parag Parikh	₹1,000.5404	19 Jul 2026
Edelweiss Liquid Fund - Regular Plan - Bonus Option	Edelweiss	₹2,074.9104	19 Jul 2026
HSBC Liquid Fund - Regular Daily IDCW	HSBC	₹1,001.3789	19 Jul 2026
Baroda BNP Paribas LIQUID FUND - Regular Plan - WEEKLY IDCW OPTION	Baroda BNP Paribas	₹1,001.4624	19 Jul 2026

Recent NAVs

Date	NAV
19 Jul 2026	₹1,207.3000
17 Jul 2026	₹1,206.9100
16 Jul 2026	₹1,206.5658
15 Jul 2026	₹1,206.3099
14 Jul 2026	₹1,206.1739
13 Jul 2026	₹1,206.1597
12 Jul 2026	₹1,205.9689
10 Jul 2026	₹1,205.5842
9 Jul 2026	₹1,205.1961
8 Jul 2026	₹1,204.9361

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-Regular Plan-Monthly Income Distribution cum Capital Withdrawal is ₹1,207.3000. It's a Liquid Fund from the fund house, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

TRUSTMF Liquid Fund-Regular Plan-Monthly Income Distribution cum Capital Withdrawal 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-Regular Plan-Monthly Income Distribution cum Capital Withdrawal 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-Regular Plan-Monthly Income Distribution cum Capital Withdrawal has delivered a absolute return of 4.00% — +3.86 pp ahead of the Liquid Fund category average of 0.13%. The fund ranks #18 of 76 in its category — the top (Q1) quartile.

Over the trailing 3-year window, TRUSTMF Liquid Fund-Regular Plan-Monthly Income Distribution cum Capital Withdrawal has delivered a CAGR of 4.49% — +2.85 pp ahead of the Liquid Fund category average of 1.64%. The fund ranks #16 of 72 in its category — the top (Q1) quartile.

Over the trailing 5-year window, TRUSTMF Liquid Fund-Regular Plan-Monthly Income Distribution cum Capital Withdrawal has delivered a CAGR of 3.72% — +2.3 pp ahead of the Liquid Fund category average of 1.42%. The fund ranks #15 of 63 in its category — the top (Q1) quartile.

₹1 lakh invested in TRUSTMF Liquid Fund-Regular Plan-Monthly Income Distribution cum Capital Withdrawal exactly 5 years ago would be worth approximately ₹120,064 today — a multiplier of 1.20×, based on the 5-year CAGR of 3.72%. The category average over the same window would have grown ₹1 lakh to ₹107,326.

A ₹10,000 monthly SIP in TRUSTMF Liquid Fund-Regular Plan-Monthly Income Distribution cum Capital Withdrawal over the last 5 years — total invested ₹600,000 — would be worth ₹668,289 today. That's an XIRR (money-weighted annualised return) of 4.26%.

TRUSTMF Liquid Fund-Regular Plan-Monthly Income Distribution cum Capital Withdrawal doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹668,289 — XIRR 4.26%.

On a 5-year basis, TRUSTMF Liquid Fund-Regular Plan-Monthly Income Distribution cum Capital Withdrawal ranks #15 out of 63 funds in the Liquid Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 1.42%; this fund delivered 3.72%.

The worst peak-to-trough decline TRUSTMF Liquid Fund-Regular Plan-Monthly Income Distribution cum Capital Withdrawal has experienced over the last 5-year window is 0.29% — its NAV fell from a high on 23 Apr 2026 to a low on 26 Apr 2026. 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-Regular Plan-Monthly Income Distribution cum Capital Withdrawal averaged 3.66% (best 3.72%, worst 3.63%). 100% of rolling windows ended positive.

In calendar year 2025, TRUSTMF Liquid Fund-Regular Plan-Monthly Income Distribution cum Capital Withdrawal returned 4.13% — beating the Liquid Fund category average of 1.30% by 2.83 pp. It ranked #15 of 71 in its category that year.

TRUSTMF Liquid Fund-Regular Plan-Monthly Income Distribution cum Capital Withdrawal 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-Regular Plan-Monthly Income Distribution cum Capital Withdrawal 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: 0.3%. 5-year CAGR: 3.72%.

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

TRUSTMF Liquid Fund-Regular Plan-Monthly Income Distribution cum Capital Withdrawal

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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