MonitorDirect · GrowthWatch before adding
The Wealth Company Liquid Fund
The Wealth Company Mutual FundDebt Scheme - Liquid Fund1 years
- NAV
- 1,069.0642
- 1 Nov 2026
- 1Y
- +6.5%
- Trailing CAGR
- AUM
- ₹817.92 Cr
- 31 Jul 2026
- Volatility
- Low
- 0.2% 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 · The fund beat the category median in 100% of rolling 1-year windows.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer UNIFI LIQUID FUND if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Fail
1.0 years - thin for judging consistency.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.10% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -0.0%. 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.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 42.4% of the portfolio.
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.
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+6.5%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+6.5%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+6.6%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +6.5%
- Calendar-day CAGR
- Excess 1Y
- +0.1%
- 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
- n/a
- Simulated monthly SIP
- Worst rolling 3Y
- n/a
- 0 daily-ending windows
- Median rolling 3Y
- n/a
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -0.0%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +2%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 2 days
- 4 recovered episodes
- Longest recovery
- 3 days
- Trough to prior peak
5 Jul 2026 – 9 Jul 2026
Trough 7 Jul 2026 · recovered in 2 days
-0.0%
21 Oct 2026 – 25 Oct 2026
Trough 22 Oct 2026 · recovered in 3 days
-0.0%
14 Oct 2026 – 16 Oct 2026
Trough 15 Oct 2026 · recovered in 1 days
-0.0%
24 Sept 2026 – 27 Sept 2026
Trough 25 Sept 2026 · recovered in 2 days
-0.0%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
37
Vs category
51
Consistency
100
Risk-adjusted
0
Drawdown
100
Mean
57
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
- Risk-adjusted return (Sharpe) is negative over the available daily history.
Supporting reads
- The fund beat the category median in 100% of rolling 1-year windows.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
31 Aug 2026 · 37 holdings · top 10 are 42.4%.
- Top 5
- 27.2%
- Top 10
- 42.4%
- Largest holding
- 6.1%
- Effective holdings
- 28.1
Punjab National Bank (17/09/2026) **
Financial
6.1%
GOVERNMENT OF INDIA 37705 091 DAYS TBILL 29OT26 FV RS 100
Financial
6.1%
REC LIMITED 90D CP 23NOV26
Financial
6.0%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CD 27OCT26
Financial
5.9%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA 91D CP 03SEP26
Financial
3.1%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
UNIFI LIQUID FUND
Unifi Mutual Fund
- 1Y
- +5.8%
- 3Y
- n/a
- Vol
- 0.1%
- Max DD
- 0.0%
- Sharpe
- -14.33
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
BANDHAN LIQUID Fund - Unclaimed More than 3 years
Bandhan Mutual Fund
- 1Y
- 0.0%
- 3Y
- 0.0%
- Vol
- 0.0%
- Max DD
- 0.0%
- Sharpe
- n/a
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
Caveat: Lower trailing returns
Parag Parikh Liquid Fund
PPFAS Mutual Fund
- 1Y
- +6.4%
- 3Y
- +6.7%
- Vol
- 0.1%
- Max DD
- -0.0%
- Sharpe
- -13.36
- 3Y win
- 0%
- Lower volatility
- Higher trailing returns
Caveat: Deeper drawdown · Higher TER
TRUSTMF Liquid Fund
Trust Mutual Fund
- 1Y
- +6.4%
- 3Y
- +6.8%
- Vol
- 0.1%
- Max DD
- -0.0%
- Sharpe
- -10.32
- 3Y win
- +2%
- Lower volatility
- Higher trailing returns
Caveat: Deeper drawdown
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%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown