JM Liquid Fund - Unclaimed Application Refund Amount I.E.F. (Direct)
Liquid Fund · JM Financial Asset Management Limited
Among the 392 similar liquid funds we track, most others have grown money faster than this one. ₹1 lakh invested 5 years ago would be about ₹1 lakh today. Investing ₹10,000 every month for the last 5 years would have put in ₹6.1 lakh and grown it to about ₹6.1 lakh.
New to fund research? Start with the 5-minute guide. The detailed numbers below back all of this up.JM Liquid Fund - Unclaimed Application Refund Amount I.E.F. (Direct) is a liquid fund from JM Financial Asset Management Limited. It has a track record of about 6.2 years. As of the latest data it carries an RS rating of 38/99 (its recent momentum versus category peers). The current NAV is ₹41.44 (as of 2026-09-16).
Growth of ₹100 - last 5 years
JM Liquid Fund - Unclaimed Application Refund Amount I.E.F. (Direct) returns: last 1, 3, 5 and 10 years
| Period | This fund | Category average |
|---|---|---|
| 1 month | 0.0% | 0.47% |
| 3 months | 0.0% | -0.45% |
| 6 months | 0.0% | 1.12% |
| 1 year | 0.0% | 3.9% |
| 3 years (CAGR) | 0.0% | 5.09% |
| 5 years (CAGR) | 0.0% | 3.17% |
The last 5 years return is 0.0% a year (₹1 lakh → ₹1 lakh), and the last 3 years return is 0.0% - behind its category's 5.09% average by 5.1 points. Its trailing one-year return is 0.0%. Trailing returns flatter or disappoint depending on the end date you pick - the year-by-year and rolling-return sections below are a fairer read.
Year-by-year returns
| Year | JM Liquid Fund - Uncla | Benchmark |
|---|---|---|
| 2021 | +0.0% | n/a |
| 2022 | +0.0% | n/a |
| 2023 | +0.0% | n/a |
| 2024 | +0.0% | n/a |
| 2025 | +0.0% | n/a |
| 2026 | +0.0% | n/a |
Calendar-year returns show how bumpy the ride really was - an average hides the good years and the ugly ones.
What a monthly SIP in JM Liquid Fund - Unclaimed Application Refund Amount I.E.F. (Direct) would have made
A ₹10,000-a-month SIP, using this fund's actual NAV history. SIP returns (XIRR) differ from lumpsum CAGR because your money goes in gradually, averaging your entry price.
| SIP duration | You invested | It became | XIRR |
|---|---|---|---|
| 3 years | ₹370,000 | ₹370,000 | 0.0% |
| 5 years | ₹610,000 | ₹610,000 | -0.0% |
Over 5 years, ₹610,000 invested in monthly instalments would have grown to about ₹610,000 - an XIRR of -0.0%. Figures are pre-tax and assume you stayed invested throughout.
Risk & drawdowns
| Measure | This fund | Category average |
|---|---|---|
| Worst drawdown (lifetime) | 0.0% | -4.42% |
| Worst drawdown (3Y) | 0.0% | -2.16% |
| Volatility (1Y) | 0.0% | 6.59% |
| Bull-market return | 0.0% | 4.98% |
| Bear-market return | 0.0% | 6.11% |
Timing matters more than people admit: the best possible 1-year stretch in JM Liquid Fund - Unclaimed Application Refund Amount I.E.F. (Direct) (starting 2020-06-30) gained 0.0%, while the worst (starting 2020-06-30) still made 0.0%. The worst peak-to-bottom fall JM Liquid Fund - Unclaimed Application Refund Amount I.E.F. (Direct) has ever put investors through is 0.0% - the real test of whether you'd have stayed invested. In falling markets (Nifty below its 200-day average) it has returned about 0.0% annualised, versus 0.0% in rising markets.
How JM Liquid Fund - Unclaimed Application Refund Amount I.E.F. (Direct) behaves when markets fall
When the market is falling (the Nifty below its 200-day average), JM Liquid Fund - Unclaimed Application Refund Amount I.E.F. (Direct) has historically returned about 0.0% annualised, versus roughly 0.0% when the market is rising. Its deepest fall on record is 0.0%. Right now it sits about 0.0% at or above its all-time high (last hit 2020-06-30). The real question isn't the average year - it's whether you could hold on through the worst one.
How JM Liquid Fund - Unclaimed Application Refund Amount I.E.F. (Direct) ranks in its category
Percentile versus its ~392 category peers - 100th is best-in-class, 50th is average. This is the fairest apples-to-apples read.
Consistency (rolling returns)
| Measure | Value |
|---|---|
| Median 3Y rolling CAGR | 0.0% |
| 3Y windows positive | 0.0% |
| Worst 3Y window | 0.0% |
| Median 5Y rolling CAGR | 0.0% |
Instead of one lucky start date, rolling returns test every start date. Across all 3-year windows in its history, JM Liquid Fund - Unclaimed Application Refund Amount I.E.F. (Direct) returned a median of 0.0% a year, and 0.0% of those windows were positive.
Cost & fund basics
| Detail | Value |
|---|---|
| Exit load | No exit load |
| Fund size (AUM) | ₹0 Cr |
| Age | 6.2 years |
| Plan / Option | Direct · Growth |
How JM Liquid Fund - Unclaimed Application Refund Amount I.E.F. (Direct) compares to peers
| Fund | RS | King | 3Y CAGR |
|---|---|---|---|
| Sundaram Liquid Fund (Formerly Known as Principal Cash Management Fund) | 99 | 94 | 7.0% |
| Edelweiss Liquid Fund | 96 | 92 | 7.0% |
| Edelweiss Liquid Fund | 96 | 92 | 7.0% |
| Bajaj Finserv Liquid Fund | 95 | 92 | 7.0% |
| Franklin India Liquid Fund - Super Institutional | 98 | 91 | 7.0% |
| PGIM India Liquid Fund | 96 | 91 | 7.0% |
Overlap warning: funds in the same category often own many of the same stocks - holding several rarely adds the diversification people expect.
What these numbers mean
RS rating (1-99) ranks a fund's recent momentum against its category - higher is stronger right now. King Score (0-100) is a long-term quality composite (returns, consistency, drawdown, risk-adjusted return) versus peers. Max drawdown is the worst peak-to-bottom fall the fund has ever experienced. Rolling returns test every possible start date, so one lucky (or unlucky) entry point can't distort the picture. Every formula behind this page is public - see how we calculate every number.
JM Liquid Fund - Unclaimed Application Refund Amount I.E.F. (Direct) review: the bottom line
Related
Frequently asked questions
Is JM Liquid Fund - Unclaimed Application Refund Amount I.E.F. (Direct) a good mutual fund?
That depends on your goals and risk tolerance - this is descriptive research, not advice. On the numbers, JM Liquid Fund - Unclaimed Application Refund Amount I.E.F. (Direct) scores RS 38/99 within its category, has compounded 0.0% a year over three years, and its worst drawdown was 0.0%. Compare those against your needs and the peer table above.
What is the NAV of JM Liquid Fund - Unclaimed Application Refund Amount I.E.F. (Direct) today?
The latest NAV is ₹41.44 (as of 2026-09-16). NAV (net asset value) is the per-unit price of the fund, published every business day by the AMC.
Is JM Liquid Fund - Unclaimed Application Refund Amount I.E.F. (Direct) safe? How risky is it?
No market-linked fund is 'safe' in the fixed-deposit sense - the honest question is how deep its falls get. Its worst historical drawdown was 0.0% - ₹1 lakh briefly becoming about ₹1 lakh. As a debt fund, its risk profile is typical of that category. Look at the drawdown, volatility and bear-market figures above and ask whether you could stay invested through the bad stretches.
Is JM Liquid Fund - Unclaimed Application Refund Amount I.E.F. (Direct) good for SIP?
We can't tell you what to do, but here is what actually happened: a ₹10,000 monthly SIP over the last 5 years grew ₹6.1 lakh into about ₹6.1 lakh (XIRR -0.0%). SIPs average your entry price, which helps most in funds that swing hard - check the crash-behaviour section above to see how it treats investors in bad markets.
What are the SIP returns of JM Liquid Fund - Unclaimed Application Refund Amount I.E.F. (Direct)?
A ₹10,000/month SIP over 5 years would have grown to about ₹610,000 (an XIRR of -0.0%) on ₹610,000 invested, using the fund's actual NAV history. See the SIP table above for other durations.
How does JM Liquid Fund - Unclaimed Application Refund Amount I.E.F. (Direct) rank among similar funds?
On 3-year returns it sits around the 33th percentile of its category, and its consistency ranks 5th percentile. 100th is best-in-class, 50th is average. See the category-ranking section above.
Is JM Liquid Fund - Unclaimed Application Refund Amount I.E.F. (Direct) tax-efficient / what about capital gains?
As a debt fund, gains follow the rules for its asset class - equity-oriented funds are taxed differently from debt. All returns on this page are pre-tax; your actual post-tax return depends on your holding period and slab. This is descriptive information, not tax advice.
Direct or Regular plan - which is shown here?
All figures on this page are for the Direct-Growth plan (no distributor commission, lower cost). Returns are pre-tax; capital-gains tax depends on your own holding period and slab.
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Data: AMFI NAV history, NSE indices, BSE StAR and monthly disclosures. All figures are pre-tax. Descriptive research and education only - nothing here is investment advice or a recommendation to buy, sell or hold any fund. Past performance does not guarantee future returns.