Should I invest in Union Liquid Fund?

We don't give personal investment advice. Union Liquid Fund - Growth 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: 0.0%. 5-year CAGR: 6.17%.

Union

Union Liquid Fund - Growth Option

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 2 Oct 2011. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹2,678.7604

As of

19 Jul 2026

4,684 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%	-3.99%	+4.02	3 / 13	Q1
1W	+0.11%	-3.92%	+4.03	5 / 13	Q2
2W	+0.20%	-3.83%	+4.03	8 / 13	Q3
1M	+0.53%	-3.58%	+4.11	7 / 13	Q3
3M	+1.57%	-2.75%	+4.32	7 / 13	Q3
6M	+3.32%	-1.41%	+4.74	7 / 13	Q3
YTD	+3.57%	-0.50%	+4.07	9 / 13	Q3
1Y	+6.27%	+1.03%	+5.24	6 / 13	Q2
2Y	+6.70%	+3.29%	+3.42	4 / 13	Q2
3Y	+6.89%	+4.10%	+2.79	4 / 13	Q2
4Y	+6.81%	+4.21%	+2.60	3 / 12	Q1
5Y	+6.17%	+3.81%	+2.37	3 / 11	Q2
7Y	+5.63%	+3.99%	+1.64	3 / 7	Q2
10Y	+5.64%	+5.83%	-0.19	4 / 5	Q4
Inception	+6.74%	+4.17%	+2.57	1 / 13	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	+3.57%	+2.70%	+0.87	6 / 8
2025	+6.49%	+0.56%	+5.93	4 / 12
2024	+7.32%	+6.10%	+1.22	3 / 12
2023	+7.03%	+5.83%	+1.20	2 / 12
2022	+4.85%	+3.97%	+0.88	4 / 12
2021	+3.27%	+2.96%	+0.31	7 / 11
2020	+4.30%	+2.92%	+1.38	3 / 7
2019	+6.37%	+6.05%	+0.31	4 / 6
2018	+3.59%	+6.11%	-2.53	6 / 6
2017	+6.45%	+5.93%	+0.52	2 / 6
2016	+7.41%	+7.00%	+0.41	1 / 2

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

+6.68%

172 windows

min 3.2% · max 9.9%

100% positive

3-Year rolling

+6.44%

148 windows

min 3.9% · max 9.4%

100% positive

5-Year rolling

+6.16%

124 windows

min 4.4% · max 8.9%

100% positive

7-Year rolling

+6.03%

99 windows

min 5.1% · max 8.3%

100% 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

0.26%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.01%

Jul 2026 → Jul 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
Franklin India Liquid Fund - Unclaimed IDCW Investor Education Plan - Growth	Franklin India	₹10.0000	19 Jul 2026
HSBC Liquid Fund - Growth	HSBC	₹4,003.9849	19 Jul 2026
PGIM India Liquid Fund - Growth	PGIM India	₹362.4692	19 Jul 2026
Sundaram Liquid Fund (Formerly Known as Principal Cash Management Fund) -Growth Option	Sundaram	₹2,454.5766	19 Jul 2026

Recent NAVs

Date	NAV
19 Jul 2026	₹2,678.7604
17 Jul 2026	₹2,677.8674
16 Jul 2026	₹2,677.0940
15 Jul 2026	₹2,676.5356
14 Jul 2026	₹2,676.2465
13 Jul 2026	₹2,676.1903
12 Jul 2026	₹2,675.8068
10 Jul 2026	₹2,674.9222
9 Jul 2026	₹2,674.0995
8 Jul 2026	₹2,673.4276

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 Union Liquid Fund - Growth Option is ₹2,678.7604. It's a Liquid Fund from Union, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

Union Liquid Fund - Growth Option has NAV history starting from 15 Jun 2011, a track record of about 15 years 1 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.

Union Liquid Fund - Growth 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 - Growth Option has delivered a absolute return of 6.27% — +5.24 pp ahead of the Liquid Fund category average of 1.03%. The fund ranks #6 of 13 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Union Liquid Fund - Growth Option has delivered a CAGR of 6.89% — +2.79 pp ahead of the Liquid Fund category average of 4.10%. The fund ranks #4 of 13 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Union Liquid Fund - Growth Option has delivered a CAGR of 6.17% — +2.37 pp ahead of the Liquid Fund category average of 3.81%. The fund ranks #3 of 11 in its category — the second (Q2) quartile.

₹1 lakh invested in Union Liquid Fund - Growth Option exactly 10 years ago would be worth approximately ₹173,091 today — a multiplier of 1.73×, based on the 10-year CAGR of 5.64%. The category average over the same window would have grown ₹1 lakh to ₹176,157.

A ₹10,000 monthly SIP in Union Liquid Fund - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹709,978 today. That's an XIRR (money-weighted annualised return) of 6.67%.

A ₹10,000 monthly SIP for 10 years in Union Liquid Fund - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,619,148 (multiplier 1.35×). XIRR: 5.84%. 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 - Growth Option ranks #3 out of 11 funds in the Liquid Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.81%; this fund delivered 6.17%.

The worst peak-to-trough decline Union Liquid Fund - Growth Option has experienced over the last 5-year window is 0.03% — its NAV fell from a high on 03 May 2022 to a low on 05 May 2022. 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 - Growth Option averaged 6.16% (best 8.95%, worst 4.44%). 100% of rolling windows ended positive.

In calendar year 2025, Union Liquid Fund - Growth Option returned 6.49% — beating the Liquid Fund category average of 0.56% by 5.93 pp. It ranked #4 of 12 in its category that year.

Union Liquid Fund - Growth 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 - Growth 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: 0.0%. 5-year CAGR: 6.17%.

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

Union Liquid Fund - Growth Option

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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