Should I invest in Union Liquid Fund - Weekly IDCW Option?

We don't give personal investment advice. Union Liquid Fund - Direct Plan - Weekly IDCW Option 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: 0.01%.

Union

Union Liquid Fund - Direct Plan - Weekly IDCW Option

Latest NAV

₹1,001.4980

As of

3 Jun 2026

4,177 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	-0.12%	0.00%	-0.11	133 / 139	Q4
1W	+0.00%	+0.04%	-0.04	119 / 138	Q4
2W	+0.00%	+0.05%	-0.05	98 / 138	Q3
1M	-0.07%	+0.11%	-0.17	118 / 138	Q4
3M	+0.01%	+0.30%	-0.29	79 / 138	Q3
6M	+0.01%	+0.41%	-0.40	78 / 135	Q3
YTD	-0.05%	+0.39%	-0.44	113 / 135	Q4
1Y	-0.09%	+1.00%	-1.09	111 / 128	Q4
2Y	-0.02%	+1.19%	-1.21	105 / 127	Q4
3Y	-0.01%	+1.40%	-1.41	94 / 122	Q4
4Y	+0.01%	+1.28%	-1.27	69 / 114	Q3
5Y	+0.01%	+1.19%	-1.19	70 / 113	Q3
7Y	+0.01%	+0.84%	-0.83	39 / 107	Q2
10Y	+0.00%	+0.68%	-0.68	47 / 73	Q3
Inception	+0.01%	+1.24%	-1.23	98 / 139	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	-0.05%	+0.25%	-0.30	99 / 120
2025	+0.06%	+1.10%	-1.03	40 / 115
2024	-0.13%	+1.42%	-1.54	110 / 118
2023	-0.01%	+1.63%	-1.63	91 / 112
2022	+0.07%	+1.11%	-1.04	54 / 116
2021	+0.00%	+0.45%	-0.45	54 / 107
2020	+0.02%	+0.35%	-0.33	27 / 110
2019	+1.30%	+1.19%	+0.11	22 / 99
2018	-1.39%	+1.03%	-2.42	87 / 91
2017	-0.02%	+1.12%	-1.13	69 / 87
2016	+0.01%	+1.02%	-1.01	29 / 73

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%

152 windows

min -2.9% · max 3.1%

76% positive

3-Year rolling

+0.01%

128 windows

min -0.9% · max 1.1%

56% positive

5-Year rolling

+0.00%

103 windows

min -0.6% · max 0.6%

46% positive

7-Year rolling

+0.02%

79 windows

min 0.0% · max 0.4%

75% positive

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

0.27%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.24%

Apr 2025 → Apr 2025

% positive months

61.1%

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 - IDCW Daily - Direct Plan	HDFC	₹1,019.8200	3 Jun 2026
NIPPON INDIA LIQUID FUND - DIRECT Plan - DAILY IDCW OPTION	Nippon India	₹1,528.7400	3 Jun 2026
SBI Liquid Fund - Direct Paln - Fortnightly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,423.4119	3 Jun 2026
ICICI Prudential Liquid Fund - Direct Plan - IDCW Others	ICICI Prudential	₹191.3611	3 Jun 2026
Invesco India Liquid Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment)	Invesco	₹1,083.5347	3 Jun 2026
BANDHAN LIQUID Fund -Direct Plan -Monthly IDCW	Bandhan	₹1,008.3799	3 Jun 2026
quant Liquid Fund - Monthly IDCW Option - Direct Plan	Quant	₹15.7591	3 Jun 2026
Aditya Birla Sun Life Liquid Fund -Direct - daily IDCW	Aditya Birla Sun Life	₹100.1950	3 Jun 2026
Motilal Oswal Liquid Fund Direct - IDCW Quarterly Payout/Reinvestment	Motilal Oswal	₹10.2338	3 Jun 2026
Franklin India Liquid Fund - Super Institutional Plan - Direct - Daily - IDCW	Franklin India	₹1,002.8152	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,001.4980
2 Jun 2026	₹1,001.3498
1 Jun 2026	₹1,002.5240
31 May 2026	₹1,002.3165
29 May 2026	₹1,001.9651
28 May 2026	₹1,001.6988
26 May 2026	₹1,001.3498
25 May 2026	₹1,002.2284
24 May 2026	₹1,002.1045
23 May 2026	₹1,001.9309

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 03 Jun 2026, the NAV of Union Liquid Fund - Direct Plan - Weekly IDCW Option is ₹1,001.4980. It's a Liquid Fund from Union, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Union Liquid Fund - Direct Plan - Weekly IDCW Option has NAV history starting from 01 Jan 2013, a track record of about 13 years 5 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.

Union Liquid Fund - Direct Plan - Weekly IDCW Option is managed by Union. 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, Union Liquid Fund - Direct Plan - Weekly IDCW Option has delivered a absolute return of -0.09% — -1.09 pp behind the Liquid Fund category average of 1.00%. The fund ranks #111 of 128 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Union Liquid Fund - Direct Plan - Weekly IDCW Option has delivered a CAGR of -0.01% — -1.41 pp behind the Liquid Fund category average of 1.40%. The fund ranks #94 of 122 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Union Liquid Fund - Direct Plan - Weekly IDCW Option has delivered a CAGR of 0.01% — -1.19 pp behind the Liquid Fund category average of 1.19%. The fund ranks #70 of 113 in its category — the third (Q3) quartile.

₹1 lakh invested in Union Liquid Fund - Direct Plan - Weekly IDCW Option exactly 10 years ago would be worth approximately ₹100,003 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 ₹106,990.

A ₹10,000 monthly SIP in Union Liquid Fund - Direct Plan - Weekly IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹599,903 today. That's an XIRR (money-weighted annualised return) of -0.01%.

A ₹10,000 monthly SIP for 10 years in Union Liquid Fund - Direct Plan - Weekly IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,201,027 (multiplier 1.00×). XIRR: 0.02%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Union Liquid Fund - Direct Plan - Weekly IDCW Option ranks #70 out of 113 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 1.19%; this fund delivered 0.01%.

The worst peak-to-trough decline Union Liquid Fund - Direct Plan - Weekly IDCW Option has experienced over the last 5-year window is 0.24% — its NAV fell from a high on 02 Apr 2025 to a low on 03 Apr 2025. 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, Union Liquid Fund - Direct Plan - Weekly IDCW Option averaged 0.00% (best 0.58%, worst -0.60%). 46% of rolling windows ended positive.

In calendar year 2025, Union Liquid Fund - Direct Plan - Weekly IDCW Option returned 0.06% — lagging the Liquid Fund category average of 1.10% by 1.03 pp. It ranked #40 of 115 in its category that year.

Union Liquid Fund - Direct Plan - Weekly IDCW Option 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. Union Liquid Fund - Direct Plan - Weekly IDCW Option 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: 0.01%.

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