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4 star

Union Liquid Fund download report


Debt: Liquid

1 Lakh

Investment Grown to
₹ 1.04 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
Union Liquid-G 1.90 0.02 0.10 0.39 1.00 1.90 3.58 4.12 4.54 5.31 6.42
CCIL T Bill Liquidity Weight 0.91 0.05 0.07 0.27 0.34 0.91 1.99 2.70 3.31 3.68 4.25
Debt: Liquid 1.85 0.02 0.10 0.38 0.98 1.85 3.49 3.94 5.20 5.81 6.76
Rank within category 12 1 4 12 12 12 12 7 32 31 29
Number of funds in category 40 40 40 40 40 40 40 39 33 32 31

As on 01-Jul-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Union Liquid Fund
4 star
Jun-11 3.58 4.12 4.54 0.17% 1,013
UTI Liquid Cash Fund - Regular Plan  | Invest Online
4 star
Dec-03 3.59 4.09 5.33 0.24% 32,789
Axis Liquid Fund
4 star
Oct-09 3.61 4.14 5.37 0.20% 25,219
Baroda BNP Paribas Liquid Fund
5 star
Feb-09 3.64 4.11 5.34 0.26% 7,120
Mirae Asset Cash Management Fund  | Invest Online
4 star
Jan-09 3.59 4.10 5.32 0.27% 3,623

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 0.65 24-Mar-2020 - 31-Mar-2020 -3.26 13-Sep-2018 - 20-Sep-2018
Month 1.04 24-Mar-2020 - 23-Apr-2020 -2.84 04-Sep-2018 - 04-Oct-2018
Quarter 2.66 24-Jul-2013 - 23-Oct-2013 -1.71 03-Sep-2018 - 03-Dec-2018
Year 9.93 29-Sep-2011 - 30-Sep-2012 3.20 25-Jun-2020 - 25-Jun-2021

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Union Liquid-G 4.04 0.34 1.60 7.94 0.78 1.20
CCIL T Bill Liquidity Weight 2.65 0.36 -2.33 -4.59 -- --
Debt: Liquid 3.87 0.32 1.12 4.97 0.65 0.93
Rank within category 7 30 11 5 33 9
Number of funds in category 39 39 39 39 39 39

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

As on 30-Jun-2022

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 24 32 14 48
Modified Duration (yrs) 0.06 0.13 0.02 0.08
Average Maturity (yrs) 0.06 0.14 0.03 0.08
Yield to Maturity (%) 4.63 4.63 3.18 4.67
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 Axis Bank 20/06/2022 Certificate of Deposit A1+ 0.00 - 6.90 6.90
equal The Ramco Cements 57-D 02/06/2022 Commercial Paper A1+ 0.00 - 4.94 4.94
new Muthoot Finance 91-D 07/06/2022 Commercial Paper A1+ 0.00 - 4.93 4.93
equal Godrej Agrovet 90-D 08/06/2022 Commercial Paper A1+ 0.00 - 6.73 4.93
equal Alembic Pharmaceuticals 85-D 09/06/2022 Commercial Paper A1+ 0.00 - 6.73 4.93
equal Canara Bank 2022 Certificate of Deposit A1+ 0.00 - 6.73 4.93
new Aditya Birla Finance 56-D 26/07/2022 Commercial Paper A1+ 0.00 - 4.90 4.90
new Bajaj Finance 91-D 30/08/2022 Commercial Paper A1+ 0.00 - 4.87 4.87
new HDFC 354-D 10/06/2022 Commercial Paper A1+ 0.00 - 4.44 4.44
down Indian Bank 15/06/2022 Certificate of Deposit A1+ 0.00 - 6.70 4.44
new HDFC Bank 21/06/2022 Certificate of Deposit A1+ 0.00 - 4.43 4.43
equal Reliance Industries 346-D 27/06/2022 Commercial Paper A1+ 0.00 - 4.43 4.43
down Bank of Baroda 2022 Certificate of Deposit A1+ 0.00 - 4.79 2.96
equal Reliance Jio Infocomm 157-D 13/06/2022 Commercial Paper A1+ 0.00 - 2.47 2.47
equal HDFC Bank 2022 Certificate of Deposit A1+ 0.00 - 2.47 2.47
equal Axis Bank 16/06/2022 Certificate of Deposit A1+ 0.00 - 2.46 2.46
equal Indian Bank 29/06/2022 Certificate of Deposit A1+ 0.00 - 2.46 2.46
down Reserve Bank of India 91-D 16/06/2022 Treasury Bills SOV 0.00 - 6.73 2.46
equal Reliance Jio Infocomm 240-D 17/06/2022 Commercial Paper A1+ 0.00 - 2.46 2.46
new Reserve Bank of India 91-D 25/08/2022 Treasury Bills SOV 0.00 - 2.44 2.44
new Reserve Bank of India 91-D 18/08/2022 Treasury Bills SOV 0.00 - 2.44 2.44
equal Canara Bank 23/06/2022 Certificate of Deposit A1+ 0.00 - 1.97 1.97
new National Bank Agr. Rur. Devp 175-D 30/08/2022 Commercial Paper A1+ 0.00 - 1.95 1.95
down Reserve Bank of India 91-D 23/06/2022 Treasury Bills SOV 0.00 - 2.39 1.87

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-May-2022

Fund Manager

— Devesh Thacker since 14-Jun-2011

Education: Mr. Thacker is a B.Com (H) and Post graduate from University of Pune.

Experience: Prior to joining Union AMC in 2011 he has worked with Sahara AMC.

Funds Managed:

— Parijat Agrawal since 18-Jun-2021

Education: Mr. Agrawal is a B.Tech and MBA from IIM Bangalore.

Experience: Prior to joining Union Mutual Fund, he has worked with SBI Mutual Fund, State Bank of Mauritius ltd. and SUN F&C Asset Management.

Funds Managed:


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Change from previous, NAV as on 03-Jul-2022

Growth: ₹ 2,053.6954

IDCW Weekly: ₹ 1,001.7521

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IDCW Monthly: ₹ 1,001.4614

IDCW Fortnightly: ₹ 1,001.4679

IDCW Daily: ₹ 1,000.7927


Investment Strategy

The scheme seeks to provide reasonable returns commensurate with lower risk and high level of liquidity through a portfolio of money market and debt securities.

Investment Details

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 2,000
Min. No of Cheques 6
Min. Withdrawal (₹) 1,000
Min. 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: Union Mutual Fund
Launch Date: 15-Jun-2011
Return Since Launch: 6.73%
Benchmark: CRISIL Liquid Fund BI Index
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 1,013 Cr (As on 31-May-2022)
Expense: 0.17% (As on 31-May-2022)
Risk Grade: --
Return Grade: Above Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily03-Jul-20220.1332

 02-Jul-20220.1332
 01-Jul-20220.2096
 30-Jun-20220.1743
 29-Jun-20220.1361
 28-Jun-20220.1327
 27-Jun-20220.1010
 26-Jun-20220.1331
 25-Jun-20220.1332
 24-Jun-20220.1358
 23-Jun-20220.1616
 22-Jun-20220.1420
 21-Jun-20220.1530
 20-Jun-20220.1391
 19-Jun-20220.1321
 18-Jun-20220.1320
 17-Jun-20220.0439
 16-Jun-20220.1173
 15-Jun-20220.0998
 14-Jun-20220.1331
 13-Jun-20220.0920
 12-Jun-20220.1244
 11-Jun-20220.1243
 10-Jun-20220.1281
 09-Jun-20220.1317
IDCW Fortnightly28-Jun-20222.1079

 11-Jun-20221.9936
 26-May-20221.5341
 13-May-20221.3215
 26-Apr-20221.3922
 12-Apr-20221.8041
 26-Mar-20221.5284
 11-Mar-20221.2098
 26-Feb-20221.4157
 11-Feb-20221.5534
 26-Jan-20221.3876
 11-Jan-20221.3525
 28-Dec-20211.5758
 11-Dec-20211.3524
 26-Nov-20211.3723
 11-Nov-20211.5770
 26-Oct-20211.1362
 12-Oct-20211.2441
 28-Sep-20211.1756
 14-Sep-20211.5858
 26-Aug-20211.4004
 11-Aug-20211.3497
 27-Jul-20211.2963
 13-Jul-20211.5561
 26-Jun-20211.3432
IDCW Monthly28-Jun-20224.1033

 26-May-20222.8566
 26-Apr-20223.1987
 26-Mar-20222.7389
 26-Feb-20222.9738
 26-Jan-20222.7406
 28-Dec-20212.9310
 26-Nov-20212.9538
 26-Oct-20212.3853
 28-Sep-20212.7632
 26-Aug-20212.7463
 27-Jul-20212.8520
 26-Jun-20212.7793
 26-May-20212.4625
 27-Apr-20212.8675
 26-Mar-20212.5146
 26-Feb-20212.8440
 26-Jan-20212.1829
 29-Dec-20202.5517
 26-Nov-20202.5854
 27-Oct-20202.8453
 26-Sep-20202.5965
 26-Aug-20202.6617
 28-Jul-20202.6963
 26-Jun-20202.9973
IDCW Weekly28-Jun-20220.9398

 21-Jun-20220.8178
 14-Jun-20220.9752
 07-Jun-20220.7638
 31-May-20220.8373
 24-May-20220.7178
 18-May-20220.9341
 10-May-20220.2987
 03-May-20220.6723
 26-Apr-20220.6655
 19-Apr-20220.7269
 12-Apr-20220.5851
 05-Apr-20220.9275
 29-Mar-20220.6857
 22-Mar-20220.7012
 15-Mar-20220.7329
 08-Mar-20220.6206
 01-Mar-20220.6778
 22-Feb-20220.6305
 15-Feb-20220.6176
 09-Feb-20220.7408
 01-Feb-20220.6902
 25-Jan-20220.6555
 18-Jan-20220.6317
 11-Jan-20220.6479

Contact Information

AMC: Union Asset Management Company Pvt.Ltd.

Address: Unit 503, 5th Floor, Leela Business Park, Andheri Kurla Road, Andheri (East) Mumbai - 400059

Phone: (022) 6748 3300

Fax: 022-67483400/3401/3402

Email: [email protected]

Website: http://www.unionmf.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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