ReviewRegular · GrowthPrefer peers first
Navi Liquid Fund
- NAV
- 30.5586
- 1 Nov 2026
- 1Y
- +5.7%
- Trailing CAGR
- AUM
- ₹10.21 Cr
- 30 Jun 2026
- Volatility
- n/a
- History still thin
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
Prefer peers first
The live read flags issues. Inspect same-category alternatives before buying.
In three lines
Watch if · Maximum drawdown exceeded 35%.
Watch if · AUM fell by 30% or more versus the prior observation.
Watch if · Risk metrics are withheld because the NAV history contains an implausible daily move above 50%.
Buy checklist
History depth
Pass
16.7 years of path to read.
Engine status
Fail
The live read flags issues. Inspect same-category alternatives before buying.
Expense ratio
Watch
0.32% TER on Regular - Direct is usually cheaper for the same scheme.
Drawdown vs peers
Watch
Peak-to-trough -99.0%. 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
Review does not mean stop the SIP tomorrow - compare peers first. Stopping on a red label often locks in the worst path.
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+5.7%
- 3Y+6.3%
- 5Y-57.8%
- 10Y-33.2%
- SI+6.9%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+5.7%
- 3Y+6.0%
- 5Y-4.7%
- 10Y-16.9%
- Since inception
- +6.9%
- 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
- +6.0%
- Simulated monthly SIP
- Worst rolling 3Y
- -77.6%
- 4188 daily-ending windows
- Median rolling 3Y
- +6.8%
- Calendar-day CAGR
- Positive rolling 5Y
- +65%
- 3584 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -99.0%
- Worst peak-to-trough
- Current
- -98.7%
- Below last peak
- Current spell
- 1437 days
- Days below latest peak
- Time below peak
- +25%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 10 days
- 5 recovered episodes
- Longest recovery
- 39 days
- Trough to prior peak
25 Nov 2022 – open
Trough 27 Nov 2022 · not recovered
-99.0%
28 Mar 2010 – 16 May 2010
Trough 7 Apr 2010 · recovered in 39 days
-0.4%
15 Jul 2013 – 21 Jul 2013
Trough 16 Jul 2013 · recovered in 5 days
-0.1%
17 Mar 2020 – 27 Mar 2020
Trough 24 Mar 2020 · recovered in 3 days
-0.1%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
38
Vs category
n/a
Consistency
n/a
Risk-adjusted
n/a
Drawdown
0
Mean
n/a
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Review
Buying stance
Prefer peers first
The live read flags issues. Inspect same-category alternatives before buying.
Why this status
- Maximum drawdown exceeded 35%.
- AUM fell by 30% or more versus the prior observation.
Supporting reads
No supporting reads in the current evidence set.
Risk metrics are withheld because the NAV history contains an implausible daily move above 50%.
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
- -5.85
- 3Y win
- +19%
- Shallower drawdown
- Lower TER
- Higher trailing returns
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
- Lower TER
- 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
- Lower TER
- Higher trailing returns
HDFC Liquid Fund
HDFC Mutual Fund
- 1Y
- +6.5%
- 3Y
- +6.9%
- Vol
- n/a
- Max DD
- -0.2%
- Sharpe
- n/a
- 3Y win
- +22%
- Shallower drawdown
- Lower TER
- 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
- -5.48
- 3Y win
- +23%
- Shallower drawdown
- Lower TER
- Higher trailing returns