MonitorRegular · IDCWWatch before adding
Franklin India Liquid Fund- Institution
Franklin Templeton Mutual FundDebt Scheme - Liquid Fund20.6 years
- NAV
- 1,000.00
- 1 Nov 2026
- 1Y
- 0.0%
- Trailing CAGR
- AUM
- ₹2.8 L
- 30 Jun 2026
- Volatility
- Low
- 0.1% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 1 Nov 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer Aditya Birla Sun Life Liquid Fund- Discipline Advantage Plan if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
20.6 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
n/a
TER not on file yet.
Drawdown vs peers
Pass
Peak-to-trough -0.2%. Ask whether you can hold through a similar fall.
Vs category
Fail
12% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / payout
Watch
IDCW pays out and usually slows compounding. Growth is the default for multi-year wealth jobs.
Portfolio concentration
n/a
Holdings weights not on file for this scheme yet.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
Regular plan drag
Regular TER compounds against you on long SIPs. Prefer the Direct Growth class of the same scheme when you buy.
IDCW vs Growth
IDCW pays out and usually slows compounding. For multi-year wealth jobs, Growth is the default FA stance.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y0.0%
- 3Y0.0%
- 5Y0.0%
- 10Y-0.0%
- SI-0.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+0.0%
- 3Y+0.0%
- 5Y-0.0%
- 10Y-0.0%
- Since inception
- -0.0%
- Calendar-day CAGR
- Excess 1Y
- 0.0%
- Category median, same plan and option
- 3Y win rate
- +12%
- Windows beating the median
- 3Y percentile
- 0
- Vs comparable share classes
- SIP 3Y XIRR
- +0.0%
- Simulated monthly SIP
- Worst rolling 3Y
- -0.1%
- 5312 daily-ending windows
- Median rolling 3Y
- 0.0%
- Calendar-day CAGR
- Positive rolling 5Y
- +14%
- 4706 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -0.2%
- Worst peak-to-trough
- Current
- -0.1%
- Below last peak
- Current spell
- 2772 days
- Days below latest peak
- Time below peak
- +48%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 171 days
- 5 recovered episodes
- Longest recovery
- 844 days
- Trough to prior peak
31 Mar 2019 – open
Trough 24 Mar 2020 · not recovered
-0.2%
15 Jul 2013 – 21 Jul 2013
Trough 16 Jul 2013 · recovered in 5 days
-0.2%
23 Jul 2013 – 26 Jul 2013
Trough 24 Jul 2013 · recovered in 2 days
-0.1%
16 Jun 2006 – 20 Jun 2006
Trough 19 Jun 2006 · recovered in 1 days
-0.0%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
0
Vs category
50
Consistency
9
Risk-adjusted
0
Drawdown
99
Mean
32
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Three-year return sits below the 25th percentile of comparable share classes.
- Risk-adjusted return (Sharpe) is negative over the available daily history.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
No holdings or recent changes on file for this scheme yet.
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Aditya Birla Sun Life Liquid Fund- Discipline Advantage Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- +6.6%
- 3Y
- +7.2%
- Vol
- n/a
- Max DD
- -0.2%
- Sharpe
- n/a
- 3Y win
- +96%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Aditya Birla Sun Life Liquid Fund-Institutional ()
Aditya Birla Sun Life Mutual Fund
- 1Y
- +6.2%
- 3Y
- +6.9%
- Vol
- n/a
- Max DD
- -0.2%
- Sharpe
- n/a
- 3Y win
- +82%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Aditya Birla Sun Life Liquid Fund-Retail ()
Aditya Birla Sun Life Mutual Fund
- 1Y
- +6.2%
- 3Y
- +6.9%
- Vol
- n/a
- Max DD
- -0.2%
- Sharpe
- n/a
- 3Y win
- +33%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
BANDHAN LIQUID Fund
Bandhan Mutual Fund
- 1Y
- +6.4%
- 3Y
- +6.9%
- Vol
- 0.2%
- Max DD
- -0.2%
- Sharpe
- -5.85
- 3Y win
- +19%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility
BANDHAN LIQUID Fund - Unclaimed Less than 3 years
Bandhan Mutual Fund
- 1Y
- +6.4%
- 3Y
- +6.9%
- Vol
- 0.2%
- Max DD
- -0.2%
- Sharpe
- -9.77
- 3Y win
- +100%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility