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Unrated

Baroda Liquid Fund - Regular Plan


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 2.62 0.01 0.05 0.26 0.82 1.65 3.24 4.96 5.76 6.14 7.02
CCIL T Bill Liquidity Weight 1.62 -0.02 0.03 0.12 0.52 1.08 2.06 3.33 3.62 4.06 4.52
Debt: Liquid 2.51 0.01 0.05 0.25 0.79 1.58 3.11 4.79 5.57 6.28 7.16

As on 19-Oct-2021

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 3.24 4.96 5.76 0.30% 5,139
ICICI Prudential Liquid Fund  | Invest Now
4 star
Nov-05 3.15 4.98 5.74 0.32% 34,592
Aditya Birla Sun Life Liquid Fund  | Invest Online
4 star
Mar-04 3.17 5.02 5.78 0.32% 28,554
Axis Liquid Fund
4 star
Oct-09 3.19 5.00 5.79 0.26% 24,318
Nippon India Liquid Fund  | Invest Online
4 star
Dec-03 3.13 5.00 5.78 0.32% 21,655

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 2.64 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 4.93 0.52 1.88 6.06 1.12 1.67
CCIL T Bill Liquidity Weight 3.34 0.40 -1.54 -3.94 -- --
Debt: Liquid 4.76 0.49 1.63 6.49 1.02 1.44

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

As on 30-Sep-2021

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 33 35 15 34
Modified Duration (yrs) 0.09 0.11 0.05 0.09
Average Maturity (yrs) 0.10 0.12 0.05 0.08
Yield to Maturity (%) 3.75 3.75 3.01 3.47
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 Indian Railway Finance Corporation 79-D 22/10/2021 Commercial Paper A1+ 0.00 - 8.74 8.74
new Reserve Bank of India 182-D 02/12/2021 Treasury Bills SOV 0.00 - 7.74 7.74
new Bharti Airtel 45-D 01/11/2021 Commercial Paper A1+ 0.00 - 4.85 4.85
new Reserve Bank of India 91-D 11/11/2021 Treasury Bills SOV 0.00 - 4.75 4.75
new LIC Housing Fin. 2021 Commercial Paper A1+ 0.00 - 3.88 3.88
equal National Bank Agr. Rur. Devp 60-D 25/10/2021 Commercial Paper A1+ 0.00 - 3.88 3.88
new Reliance Industries 91-D 26/10/2021 Commercial Paper A1+ 0.00 - 3.88 3.88
equal Reserve Bank of India 182-D 18/11/2021 Treasury Bills SOV 0.00 - 3.87 3.87
new Larsen & Toubro 87-D 22/10/2021 Commercial Paper A1+ 0.00 - 2.91 2.91
new Axis Bank 22/10/2021 Certificate of Deposit A1+ 0.00 - 2.91 2.91
new Reserve Bank of India 364-D 25/11/2021 Treasury Bills SOV 0.00 - 1.94 1.94
new Piramal Capital & Housing Finance 29-D 28/10/2021 Commercial Paper A1+ 0.00 - 1.94 1.94
equal National Bank Agr. Rur. Devp 90-D 22/11/2021 Commercial Paper A1+ 0.00 - 1.94 1.94
new Muthoot Finance 86-D 18/11/2021 Commercial Paper A1+ 0.00 - 1.94 1.94
new Indian Oil Corporation 38-D 14/10/2021 Commercial Paper A1+ 0.00 - 1.94 1.94
equal Reliance Industries 91-D 25/11/2021 Commercial Paper A1+ 0.00 - 1.94 1.94
new Reliance Jio Infocomm 91-D 29/10/2021 Commercial Paper A1+ 0.00 - 1.94 1.94
new Reliance Jio Infocomm 91-D 14/10/2021 Commercial Paper A1+ 0.00 - 1.94 1.94
new Bajaj Housing Finance 365-D 29/10/2021 Commercial Paper A1+ 0.00 - 1.94 1.94
new HDFC Securities 90-D 16/12/2021 Commercial Paper A1+ 0.00 - 1.93 1.93
new ICICI Securities 360-D 10/12/2021 Commercial Paper A1+ 0.00 - 1.93 1.93
new Motilal Oswal Financial 86-D 15/12/2021 Commercial Paper A1+ 0.00 - 1.93 1.93
equal HDFC Securities 91-D 29/11/2021 Commercial Paper A1+ 0.00 - 1.93 1.93
new ICICI Securities 66-D 29/11/2021 Commercial Paper A1+ 0.00 - 1.93 1.93
new IIFL Wealth Management 89-D 15/12/2021 Commercial Paper A1+ 0.00 - 1.83 1.83

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-2021

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:


0.01%

Change from previous, NAV as on 19-Oct-2021

Growth: ₹ 3,521.8931

IDCW Daily: ₹ 1,006.0602

IDCW: ₹ 3,017.4575


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
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: 18-Feb-2002
Return Since Launch: 6.61%
Benchmark: CRISIL Liquid Fund Index
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 5,139 Cr (As on 30-Sep-2021)
Expense: 0.30% (As on 31-Mar-2021)
Risk Grade: --
Return Grade: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily19-Oct-20210.0882

 18-Oct-20210.0336
 17-Oct-20210.0867
 16-Oct-20210.0864
 15-Oct-20210.0870
 14-Oct-20210.0828
 13-Oct-20210.0849
 12-Oct-20210.0933
 11-Oct-20210.1142
 10-Oct-20210.0876
 09-Oct-20210.0873
 08-Oct-20210.1400
 07-Oct-20210.0903
 06-Oct-20210.0939
 05-Oct-20210.0879
 04-Oct-20210.1014
 03-Oct-20210.0891
 02-Oct-20210.0894
 01-Oct-20210.1328
 30-Sep-20210.1082
 29-Sep-20210.0519
 28-Sep-20210.0597
 27-Sep-20210.0810
 26-Sep-20210.0891
 25-Sep-20210.0891
IDCW 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
IDCW05-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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