Navi Liquid Fund - Regular Plan - Unclaimed Redemption and Dividend Plan less than 3 years
Navi Mutual Fund · Best Liquid Mutual Funds
This is the Regular plan of Navi Liquid Fund - Regular Plan - Unclaimed Redemption and Dividend Plan less than 3 years — bought through a distributor, whose commission is paid out of its expense ratio. Income is distributed, which is why this NAV sits below the growth plan of the same fund.
NAV history
Scorecard
★★★★☆4/5 vs 141 of 137 Liquid Fund peers- Performance 60%
- Risk 15%
- Cost 10%
- Downside 15%
How this is computed
Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. The stars weight the same ground 60/15/10/15 (performance/risk/cost/downside) across every fund in the peer group. Ranked within Liquid Fund (same plan and option). 141 of the 137 Liquid Funds in this cohort carry the full record the stars need, so they are the ones ranked against.
3Y CAGR +6.56% · ranks 14 of 137 Liquid Funds
Volatility 0.4% vs 0.9% category avg
Expense ratio not available yet
100% of rolling 3Y windows were positive
Strengths & concerns
Generated from this fund's own numbers against its sub-category — each point names the figure behind it.
Strengths
- Ahead of the Liquid Fund average on 3M/6M/1Y — 1Y by 4.99pp
- 3-year return (+6.56%) beats the Liquid Fund average (+0.97%)
- 5-year return (+6.08%) beats the Liquid Fund average (+0.89%)
- Ranks #16 of 137 on 1-year return in its Liquid Fund cohort
- Less volatile than its Liquid Fund peers (0.4% vs 0.9%)
Concerns
No significant concerns identified.
Key Metrics
Scheme Info
DefinitionsPeriod returns (<1Y, absolute — not annualized)
DefinitionsAnnualized returns (≥1Y — CAGR)
DefinitionsAdvanced metrics — risk
Risk (trailing 3Y)
DefinitionsBenchmark ratios
Not shown for Liquid Fund — a debt, arbitrage or cash-like fund isn't measured against an equity index, so alpha/beta vs one would be noise rather than signal.
Fund vs category average (Liquid Fund)
| Period | Fund | Category avg. | Diff |
|---|---|---|---|
| 1M abs | +0.48% | 0.00% | +0.48% |
| 3M abs | +1.51% | +0.16% | +1.35% |
| 6M abs | +2.92% | +0.37% | +2.55% |
| 1Y CAGR | +5.80% | +0.81% | +4.99% |
| 3Y CAGR | +6.56% | +0.97% | +5.59% |
| 5Y CAGR | +6.08% | +0.89% | +5.19% |
Category average across peers in Liquid Fund (up to 137 funds with data), same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).
Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.
Category rank
Vs 137 peers in Liquid Fund
Rolling returns
Return for every possible 1Y holding period, not just today’s
111 overlapping 1Y windows, sampled monthly across the fund’s history.
Backtest this fund
What a SIP or one-time investment would have grown to over this fund’s real NAV history.
60 monthly installments of ₹10,000 into Navi Liquid Fund - Regular Plan - Unclaimed Redemption and Dividend Plan less than 3 years, valued at the latest NAV. XIRR annualizes for each installment’s timing.
Calendar-year returns
What the fund actually returned in each year, not the smoothed average.
| Year | Fund | |
|---|---|---|
| 2026part | +3.69% | |
| 2025 | +6.95% | |
| 2024 | +6.54% | |
| 2023 | +6.77% | |
| 2022 | +5.06% | |
| 2021 | +3.39% | |
| 2020 | +3.67% | |
| 2019 | +6.21% | |
| 2018 | +7.39% | |
| 2017 | +6.76% |
January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in.
Taxation
Taxed as debtThis is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — every rupee of gain is added to your income and taxed at your income-tax slab rate, whatever the holding period.
Your income-tax slab — no LTCG or indexation benefit
Pick your slab to see the rate that applies to you.
Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.
Fund size over time
Quarterly average AUM · AMFIAt or near its largest, ₹1.23Cr in April - June 2026. Size matters most where the mandate is narrow — a large small-cap or a very large flexi-cap book is harder to move without moving the price.
Navi in the news
Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.
Navi Raises $100M in First External Funding
FinSMEs · 7h ago
FinTech Navi Targets $2 Billion Valuation in India IPO
PYMNTS.com · 8d ago
Navi Mutual Fund Launches Investor Awareness Campaign to Simplify Index Investing
Elets BFSI · 9d ago
Navi's ₹3,000 Crore IPO Plans: Sachin Bansal-Backed Fintech Eyes March Quarter Filing - Revenue Recognition Risk
Vinanet · 05 Jul 2026
Navi ELSS Tax Saver Fund to Merge with Navi ELSS Tax Saver Nifty 50 Index Fund
Value Research · 10 Mar 2026
Navi Mutual Fund has announced discontinuation of SIPs less than Rs 100
Value Research · 30 Jun 2025
Navi Mutual Fund has announced name change of Navi Nasdaq 100 Fund of Fund
Value Research · 27 Jun 2025
Zerodha, Navi wanted a passive-investing revolution. “Nope,” said older fund houses
The Ken · 26 Mar 2025
Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.
About Liquid funds
Liquid funds invest in very short-term debt (maturing within 91 days). They're used to park money for days or weeks — low risk and easy to redeem, but low return too.
Frequently asked questions
What is the NAV of Navi Liquid Fund - Regular Plan - Unclaimed Redemption and Dividend Plan less than 3 years?
As of 20 Aug 2026, the NAV of Navi Liquid Fund - Regular Plan - Unclaimed Redemption and Dividend Plan less than 3 years is ₹30.43 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.
What returns has Navi Liquid Fund - Regular Plan - Unclaimed Redemption and Dividend Plan less than 3 years delivered?
Navi Liquid Fund - Regular Plan - Unclaimed Redemption and Dividend Plan less than 3 years has returned +5.80% over 1 year, +6.56% per year over 3 years, +6.08% per year over 5 years and +5.94% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.
How risky is Navi Liquid Fund - Regular Plan - Unclaimed Redemption and Dividend Plan less than 3 years?
It is rated low on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 0.4% and its worst peak-to-trough fall in our sample was -0.2%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.
How is Navi Liquid Fund - Regular Plan - Unclaimed Redemption and Dividend Plan less than 3 years taxed?
Navi Liquid Fund - Regular Plan - Unclaimed Redemption and Dividend Plan less than 3 years is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.