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3 star

Baroda Liquid Fund


Debt: Liquid

1 Lakh

Investment Grown to
₹ 1.03 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.22 Lakh

Suitability:

"Liquid funds invest in bonds having maturity of up to three months. They are suitable to park the amount you have set aside to meet any emergency needs or any surplus money that you don't need for a few weeks up to a year. You can expect to earn better returns than what you would get from a bank account.

The risk of incurring a loss in these funds is negligible but they do not guarantee returns or safety of capital. Though rare, there have been few instances when liquid funds have incurred losses.

Remember, these funds are geared to deliver only marginally higher returns than your bank account. They deliver steady, but low returns and are not suitable to build wealth in the long run."

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 3.01 0.01 0.06 0.30 0.82 1.69 3.26 4.80 5.68 6.38 7.27
CCIL T Bill Liquidity Weight 1.83 -0.01 0.04 0.16 0.45 1.05 1.96 3.23 3.54 3.99 4.49
Debt: Liquid 2.89 0.01 0.07 0.30 0.80 1.62 3.14 4.64 5.49 6.19 7.10
Rank within category 4 27 33 24 6 4 6 14 9 7 5
Number of funds in category 41 42 42 42 42 42 41 38 35 34 33

As on 29-Nov-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Baroda Liquid Fund
3 star
Feb-09 3.26 4.80 5.68 0.26% 5,944
ICICI Prudential Liquid Fund  | Invest Now
4 star
Nov-05 3.17 4.81 5.66 0.32% 35,561
Aditya Birla Sun Life Liquid Fund  | Invest Online
4 star
Mar-04 3.20 4.85 5.70 0.32% 29,710
Axis Liquid Fund
4 star
Oct-09 3.22 4.84 5.71 0.26% 22,877
Nippon India Liquid Fund  | Invest Online
4 star
Dec-03 3.16 4.84 5.70 0.32% 20,961

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 0.61 24-Mar-2020 - 31-Mar-2020 -0.19 17-Mar-2020 - 24-Mar-2020
Month 0.95 24-Mar-2020 - 23-Apr-2020 0.13 23-Feb-2020 - 24-Mar-2020
Quarter 2.68 24-Jul-2013 - 23-Oct-2013 0.73 23-Oct-2020 - 22-Jan-2021
Year 9.92 12-Aug-2011 - 13-Aug-2012 3.19 26-May-2020 - 26-May-2021

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 4.81 0.51 1.84 7.62 1.08 1.60
CCIL T Bill Liquidity Weight 3.25 0.40 -1.53 -4.22 -- --
Debt: Liquid 4.64 0.48 1.58 8.45 0.99 1.38
Rank within category 14 36 18 18 33 12
Number of funds in category 38 38 38 38 38 38

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-Oct-2021

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 31 35 15 35
Modified Duration (yrs) 0.05 0.11 0.05 --
Average Maturity (yrs) 0.05 0.12 0.05 --
Yield to Maturity (%) 3.62 3.75 3.01 --
Avg Credit Rating AAA -- -- --

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
up LIC Housing Fin. 2021 Commercial Paper A1+ 0.00 - 6.72 6.72
new Reserve Bank of India 364-D 11/11/2021 Treasury Bills SOV 0.00 - 6.72 6.72
equal Reserve Bank of India 182-D 02/12/2021 Treasury Bills SOV 0.00 - 7.74 6.71
new Reserve Bank of India 364-D 02/12/2021 Treasury Bills SOV 0.00 - 5.03 5.03
equal Bharti Airtel 45-D 01/11/2021 Commercial Paper A1+ 0.00 - 4.85 4.21
equal Reserve Bank of India 91-D 11/11/2021 Treasury Bills SOV 0.00 - 4.75 4.12
equal Reserve Bank of India 182-D 18/11/2021 Treasury Bills SOV 0.00 - 3.87 3.36
new Indian Oil Corporation 43-D 18/11/2021 Commercial Paper A1+ 0.00 - 3.36 3.36
new 7.40% LIC Housing Fin. Corporate Bond Repo -- 0.00 - 3.27 3.27
equal ICICI Securities 66-D 29/11/2021 Commercial Paper A1+ 0.00 - 1.93 1.68
equal Reserve Bank of India 364-D 25/11/2021 Treasury Bills SOV 0.00 - 1.94 1.68
equal Reliance Industries 91-D 25/11/2021 Commercial Paper A1+ 0.00 - 1.94 1.68
equal National Bank Agr. Rur. Devp 90-D 22/11/2021 Commercial Paper A1+ 0.00 - 1.94 1.68
new IDFC First Bank 2021 Certificate of Deposit A1+ 0.00 - 1.68 1.68
equal HDFC Securities 91-D 29/11/2021 Commercial Paper A1+ 0.00 - 1.93 1.68
equal Motilal Oswal Financial 86-D 15/12/2021 Commercial Paper A1+ 0.00 - 1.93 1.67
new HDFC Securities 91-D 24/01/2022 Commercial Paper A1+ 0.00 - 1.67 1.67
equal ICICI Securities 360-D 10/12/2021 Commercial Paper A1+ 0.00 - 1.93 1.67
equal HDFC Securities 90-D 16/12/2021 Commercial Paper A1+ 0.00 - 1.93 1.67
equal IIFL Wealth Management 89-D 15/12/2021 Commercial Paper A1+ 0.00 - 1.83 1.59
new 6.43% HDFC Corporate Bond Repo -- 0.00 - 1.59 1.59
new 7.95% REC Corporate Bond Repo -- 0.00 - 1.57 1.57
new 7.83% Indian Railway Finance Corporation Corporate Bond Repo -- 0.00 - 0.90 0.90
new 6.17% LIC Housing Fin. Corporate Bond Repo -- 0.00 - 0.87 0.87
equal HDFC 354-D 29/11/2021 Commercial Paper A1+ 0.00 - 0.97 0.84

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Oct-2021

Fund Manager

— Alok Sahoo since 27-Jan-2009

Education: Mr. Sahoo is a B.E and PGDM from XIM Bhubaneshwar.

Experience: Prior to joining Baroda AMC he has worked with UTI Mutual Fund and HSBC Mutual Fund.

Funds Managed:


0.01%

Change from previous, NAV as on 29-Nov-2021

Growth: ₹ 2,402.4738

IDCW Weekly: ₹ 1,000.6440

IDCW Daily: ₹ 1,001.1996


Investment Strategy

The scheme aims to generate income with high liquidity by investing in a portfolio of money market and debt instruments.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 1
Minimum Balance (₹) 1
Lock-in Period Not Applicable
Exit Load Exit load of 0.0070% if redeemed within 1 day
0.0065% if redeemed within 2 days
0.0060% if redeemed within 3 days
0.0055% if redeemed within 4 days
0.0050% if redeemed within 5 days
0.0045% if redeemed within 6 days.

Basic Details

Fund House: Baroda Mutual Fund
Launch Date: 05-Feb-2009
Return Since Launch: 7.08%
Benchmark: CRISIL Liquid Fund Index
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 5,944 Cr (As on 31-Oct-2021)
Expense: 0.26% (As on 31-Oct-2021)
Risk Grade: --
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily29-Nov-20210.0891

 28-Nov-20210.0876
 27-Nov-20210.0879
 26-Nov-20210.0852
 25-Nov-20210.0934
 24-Nov-20210.1040
 23-Nov-20210.0967
 22-Nov-20210.0778
 21-Nov-20210.0955
 20-Nov-20210.0957
 19-Nov-20210.0957
 18-Nov-20210.0976
 17-Nov-20210.1006
 16-Nov-20210.0898
 15-Nov-20210.0929
 14-Nov-20210.0893
 13-Nov-20210.0891
 12-Nov-20210.0906
 11-Nov-20210.0987
 10-Nov-20210.0961
 09-Nov-20210.1181
 08-Nov-20210.1556
 07-Nov-20210.1008
 06-Nov-20210.1010
 05-Nov-20210.1010
IDCW Weekly22-Nov-20210.6498

 15-Nov-20210.6759
 08-Nov-20210.7700
 01-Nov-20210.5905
 25-Oct-20210.5377
 18-Oct-20210.5926
 11-Oct-20210.6593
 04-Oct-20210.6309
 27-Sep-20210.5701
 20-Sep-20210.6018
 13-Sep-20210.6166
 06-Sep-20210.6021
 30-Aug-20210.6032
 23-Aug-20210.5220
 17-Aug-20210.7422
 09-Aug-20210.6585
 02-Aug-20210.6319
 26-Jul-20210.6617
 19-Jul-20210.6649
 12-Jul-20210.6668
 05-Jul-20210.6319
 28-Jun-20210.6472
 21-Jun-20210.6420
 14-Jun-20210.6219
 07-Jun-20210.6269
IDCW Monthly25-Jun-20145.6904

 26-May-20145.8034
 25-Apr-20146.6090
 25-Mar-20145.4730
 25-Feb-20145.9236
 24-Jan-20145.6938
 26-Dec-20135.8024
 25-Nov-20136.3359
 25-Oct-20136.5871
 25-Sep-20136.9998
 25-Aug-20136.4094
 25-Jul-20132.9446
 25-Jun-20135.5758
 24-May-20135.4021
 25-Apr-20135.9513
 25-Mar-20135.2037
 25-Feb-20135.9012
 24-Jan-20135.3950
 25-Dec-20125.4860
 25-Nov-20125.6209
 25-Oct-20125.4800
 25-Sep-20125.9621
 24-Aug-20124.0556

Contact Information

AMC: Baroda Asset Management India Ltd

Address: 501, Raheja Titanium, Western Express Highway, Goregoan, (E) Mumbai - 400063

Phone: +91 22-3074 1000

Fax: +91 22-3074 1001

Email: [email protected]

Website: http://www.barodapioneer.in

Registrar & Transfer Agent: KFin Technologies Pvt Ltd.

Address: 303, Vamsee Estates, Opp. Big Bazaar, Ameerpet, Hyderabad - 500016

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

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