MonitorRegular · Option n/aWatch before adding
JM Liquid Fund - Bonus Option
- NAV
- 24.674
- 26 Oct 2026
- 1Y
- +6.2%
- Trailing CAGR
- AUM
- ₹18.35 L
- 30 Jun 2026
- Volatility
- Medium
- 8.4% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 26 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Maximum drawdown exceeded 35%.
Fits if · Risk-adjusted return (Sharpe) is negative over the available daily history.
Prefer peers if · Prefer BANDHAN LIQUID Fund 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
Watch
Peak-to-trough -39.0%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Plan class
Watch
Regular plan - switch the buy to Direct Growth of the same scheme when you can.
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.
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
- 1Y+6.2%
- 3Y+6.7%
- 5Y+6.2%
- 10Y+6.0%
- SI+3.6%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+6.3%
- 3Y+6.5%
- 5Y+6.6%
- 10Y+6.0%
- Since inception
- +3.6%
- Calendar-day CAGR
- Excess 1Y
- n/a
- Category median, same plan and option
- 3Y win rate
- n/a
- Windows beating the median
- 3Y percentile
- n/a
- Vs comparable share classes
- SIP 3Y XIRR
- +6.5%
- Simulated monthly SIP
- Worst rolling 3Y
- -8.4%
- 5413 daily-ending windows
- Median rolling 3Y
- +6.6%
- Calendar-day CAGR
- Positive rolling 5Y
- +68%
- 4802 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -39.0%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +42%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 263 days
- 12 recovered episodes
- Longest recovery
- 2324 days
- Trough to prior peak
14 Jan 2013 – 28 May 2019
Trough 15 Jan 2013 · recovered in 2324 days
-39.0%
22 Oct 2006 – 11 Jan 2009
Trough 23 Oct 2006 · recovered in 811 days
-16.0%
22 Mar 2020 – 27 Mar 2020
Trough 24 Mar 2020 · recovered in 3 days
-0.1%
3 May 2022 – 8 May 2022
Trough 5 May 2022 · recovered in 3 days
-0.0%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
39
Vs category
n/a
Consistency
n/a
Risk-adjusted
11
Drawdown
3
Mean
17
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
- Maximum drawdown exceeded 35%.
- Risk-adjusted return (Sharpe) is negative over the available daily history.
Supporting reads
No supporting reads in the current evidence set.
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.
BANDHAN LIQUID Fund
Bandhan Mutual Fund
- 1Y
- +6.4%
- 3Y
- +6.9%
- Vol
- 0.2%
- Max DD
- -0.2%
- Sharpe
- -4.81
- 3Y win
- +19%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
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
- -8.63
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
Franklin India Liquid Fund
Franklin Templeton Mutual Fund
- 1Y
- +6.5%
- 3Y
- +6.9%
- Vol
- 0.2%
- Max DD
- -0.2%
- Sharpe
- -3.50
- 3Y win
- +86%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
ICICI Prudential Liquid Fund
ICICI Prudential Mutual Fund
- 1Y
- +6.4%
- 3Y
- +6.9%
- Vol
- 0.2%
- Max DD
- -0.2%
- Sharpe
- -4.45
- 3Y win
- +23%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
PGIM India Liquid Fund
PGIM India Mutual Fund
- 1Y
- +6.5%
- 3Y
- +6.9%
- Vol
- 0.2%
- Max DD
- -0.1%
- Sharpe
- -7.68
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher trailing returns