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Unrated

Baroda Liquid Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.05 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 3.55 0.01 0.06 0.28 0.81 1.66 4.58 6.28 6.48 6.92 7.55
CCIL T Bill Liquidity Weight 2.74 0.03 0.07 0.27 0.61 1.26 3.37 3.98 4.14 4.58 4.76
Debt: Liquid 3.39 0.01 0.06 0.28 0.81 1.72 4.36 6.00 6.41 7.10 7.68

As on 23-Oct-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Baroda Liquid Fund - Regular Plan
Unrated
Feb-02 4.58 6.28 6.48 0.18 3,684
ICICI Prudential Liquid Fund  | Invest Now
4 star
Nov-05 4.71 6.29 6.68 0.32 44,170
Aditya Birla Sun Life Liquid Fund  | Invest Online
5 star
Mar-04 4.74 6.35 6.72 0.31 32,611
Nippon India Liquid Fund  | Invest Online
5 star
Dec-03 4.70 6.35 6.72 0.30 24,930
Axis Liquid Fund
4 star
Oct-09 4.72 6.34 6.71 0.25 24,817

Best & Worst Performance

Best (Period) Worst (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 2.64 (24-Jul-2013 - 23-Oct-2013) 0.77 (25-Jun-2020 - 24-Sep-2020)
Year 9.92 (12-Aug-2011 - 13-Aug-2012) 4.06 (27-May-2009 - 27-May-2010)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 6.18 0.43 2.63 3.41 0.83 2.09
CCIL T Bill Liquidity Weight 3.90 0.32 -3.63 -6.95 -- --
Debt: Liquid 5.91 0.56 2.34 3.12 0.78 1.75

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

As on 30-Sep-2020

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 19 40 18 36
Modified Duration (yrs) 0.06 0.16 0.05 0.10
Average Maturity (yrs) 0.06 0.16 0.04 0.09
Yield to Maturity (%) 3.36 5.33 3.21 3.38
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
new Reserve Bank of India 182-D 29/10/2020 Treasury Bills SOV 0.00 - 14.22 14.22
equal Reserve Bank of India 182-D 15/10/2020 Treasury Bills SOV 0.00 - 8.64 8.13
equal Reserve Bank of India 182-D 08/10/2020 Treasury Bills SOV 0.00 - 6.49 6.10
equal Reliance Industries 91-D 23/10/2020 Commercial Paper A1+ 0.00 - 6.03 5.42
new Reserve Bank of India 182-D 22/10/2020 Treasury Bills SOV 0.00 - 4.06 4.06
new Indian Oil Corp. 56-D 02/11/2020 Commercial Paper A1+ 0.00 - 4.06 4.06
new National Bank Agr. Rur. Devp 91-D 27/11/2020 Commercial Paper A1+ 0.00 - 4.05 4.05
new Reserve Bank of India 182-D 06/11/2020 Treasury Bills SOV 0.00 - 3.38 3.38
equal 8.62% HDFC 15/10/2020 Debenture AAA 0.00 - 2.91 2.72
equal Export-Import Bank 91-D 13/10/2020 Certificate of Deposit A1+ 0.00 - 3.02 2.71
equal NTPC 91-D 23/10/2020 Commercial Paper A1+ 0.00 - 3.02 2.71
equal Tata Capital Housing Finance 91-D 23/11/2020 Commercial Paper A1+ 0.00 - 2.87 2.70
new ICICI Securities 85-D 24/12/2020 Commercial Paper A1+ 0.00 - 2.69 2.69
equal Indusind Bank 2020 Certificate of Deposit A1+ 0.00 - 2.96 2.66
down Muthoot Finance 91-D 21/10/2020 Commercial Paper A1+ 0.00 - 3.01 2.65
down Motilal Oswal Financial 89-D 28/10/2020 Commercial Paper A1+ 0.00 - 2.40 2.11
new RBL Bank 2020 Certificate of Deposit A1+ 0.00 - 1.58 1.58
equal Manappuram Finance 88-D 13/11/2020 Commercial Paper A1+ 0.00 - 1.44 1.35
new Reserve Bank of India 91-D 24/12/2020 Treasury Bills SOV 0.00 - 1.29 1.29

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 30-Sep-2020

Fund Manager

— Alok Sahoo since 20-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:

— Hetal P Shah since 01-Jan-2008

Education: Ms. Hetal P. Shah is a B.Com, MBA, and JAIIB.

Experience: Prior to joining Baroda AMC she has worked with Bank of India from may 1999.

Funds Managed:


--

Change from previous, NAV as on 25-Oct-2020

Growth: ₹ 3,413.2565

Dividend Daily: ₹ 1,006.0602

Dividend: ₹ 2,924.3392


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 (₹) --
Minimum SIP Investment (₹) 1,000
Minimum No of Cheques 6
Minimum Withdrawal (₹) --
Minimum Balance (₹) 2,000
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: 18-Feb-2002
Return Since Launch: 6.79%
Benchmark: CRISIL Liquid TRI
Riskometer: Low
Type: Open-ended
Assets: ₹ 3,684 Cr (As on 30-Sep-2020)
Expense: 0.18% (As on 30-Sep-2019)
Risk Grade: --
Return Grade: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Daily24-Oct-20200.0813

 23-Oct-20200.0957
 22-Oct-20200.0957
 21-Oct-20200.0837
 20-Oct-20200.0912
 19-Oct-20200.0912
 18-Oct-20200.0822
 17-Oct-20200.0822
 16-Oct-20200.0936
 15-Oct-20200.0894
 14-Oct-20200.0969
 13-Oct-20200.0954
 12-Oct-20200.0792
 11-Oct-20200.0840
 10-Oct-20200.0840
 09-Oct-20200.0999
 08-Oct-20200.0915
 07-Oct-20200.1008
 06-Oct-20200.0951
 05-Oct-20200.0942
 04-Oct-20200.0927
 03-Oct-20200.0927
 02-Oct-20200.0924
 01-Oct-20200.0801
 30-Sep-20200.1418
Dividend Weekly17-Sep-20121.2754

 10-Sep-20121.3111
 03-Sep-20121.3388
 27-Aug-20121.3781
 20-Aug-20121.2870
 13-Aug-20121.3889
 06-Aug-20121.3655
 30-Jul-20121.3489
 23-Jul-20121.3762
 16-Jul-20121.3880
 09-Jul-20121.3916
 14-May-20121.2465
 09-Apr-20121.6132
 02-Apr-20121.5751
Dividend05-Mar-20050.3500

 07-Jan-20040.9500
 13-May-20020.0750
 26-Mar-20020.0530

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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