MonitorRegular · IDCWWatch before adding
JM Liquid Fund - Daily Dividend Option
- NAV
- 10.4302
- 1 Nov 2026
- 1Y
- 0.0%
- Trailing CAGR
- AUM
- ₹1.49 Cr
- 30 Jun 2026
- Volatility
- Low
- 0.0% 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 Edelweiss 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
Pass
Peak-to-trough -0.2%. Ask whether you can hold through a similar fall.
Vs category
Fail
35% 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%
- 10Y0.0%
- SI0.0%
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
- +35%
- Windows beating the median
- 3Y percentile
- 0
- Vs comparable share classes
- SIP 3Y XIRR
- -0.0%
- Simulated monthly SIP
- Worst rolling 3Y
- -0.1%
- 5417 daily-ending windows
- Median rolling 3Y
- 0.0%
- Calendar-day CAGR
- Positive rolling 5Y
- +0%
- 4806 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
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +0%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 2 days
- 12 recovered episodes
- Longest recovery
- 6 days
- Trough to prior peak
15 Jul 2013 – 22 Jul 2013
Trough 16 Jul 2013 · recovered in 6 days
-0.2%
22 Mar 2020 – 27 Mar 2020
Trough 24 Mar 2020 · recovered in 3 days
-0.1%
23 Jul 2013 – 28 Jul 2013
Trough 24 Jul 2013 · recovered in 4 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
0
Vs category
50
Consistency
23
Risk-adjusted
0
Drawdown
100
Mean
35
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.
- AUM fell by 30% or more versus the prior observation.
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.
Edelweiss Liquid Fund
Edelweiss Mutual Fund
- 1Y
- +6.5%
- 3Y
- +7.0%
- Vol
- n/a
- Max DD
- -0.2%
- Sharpe
- n/a
- 3Y win
- +100%
- Shallower drawdown
- Higher win rate vs category
- 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
- -4.45
- 3Y win
- +86%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility
LIC MF Liquid Fund
LIC Mutual Fund
- 1Y
- +6.5%
- 3Y
- +6.9%
- Vol
- n/a
- Max DD
- -0.2%
- Sharpe
- n/a
- 3Y win
- +72%
- Shallower drawdown
- Higher win rate vs category
- 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
- -8.82
- 3Y win
- +100%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility
The Wealth Company Liquid Fund
The Wealth Company Mutual Fund
- 1Y
- +6.5%
- 3Y
- n/a
- Vol
- 0.2%
- Max DD
- -0.0%
- Sharpe
- -8.51
- 3Y win
- n/a
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility