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Union Liquid Fund


1 Lakh

Investment Grown to
₹ 1.06 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.24 Lakh

Analyst's Choice?

Suitability:

Liquid funds invest in bonds having maturity of up to 3 months. They are suitable to park the amount that you have set aside to meet any emergency needs or any surplus money that you don't need for the next few months to an 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 are suitable only to invest for a short time frame of up to one year. Do not invest in this, or any other Liquid fund, if your aim is 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 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 paid by the mutual fund scheme are taxed at the rate of 25% (effectively 29.12%, including surcharge and cess). This is known as Dividend Distribution Tax (DDT). Though the investor does not pay this tax directly, it is deducted from the dividend income before passing on to the investor.

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(₹)
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Trailing Returns (%)

YTD 1 Month 3 Months 1 Years 3 Years 5 Years 10 Years
Fund 6.12 0.42 1.30 6.47 5.50 6.44 --
CCIL T Bill Liquidity Weight 4.21 0.30 0.89 4.41 4.19 4.52 --
Debt: Liquid 6.08 0.41 1.30 6.47 6.59 7.12 --
Rank within category 28 24 29 29 33 32 --
Number of funds in category 40 42 42 39 36 35 28

As on 13-Dec-2019

Best & Worst Performance

Best (Period) Worst (Period)
Month 0.94 (08-Aug-2013 - 09-Sep-2013) -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) 3.32 (13-Sep-2018 - 13-Sep-2019)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 5.40 1.96 -0.19 -0.06 1.91 2.80
CCIL T Bill Liquidity Weight 4.11 0.25 -6.57 -10.84 -- --
Debt: Liquid 6.46 0.41 4.03 6.91 0.46 1.44
Rank within category 28 29 28 28 29 2
Number of funds in category 30 30 30 29 30 30

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

As on 30-Nov-2019

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 16 32 15 58
Modified Duration (yrs) 0.10 0.12 0.05 0.08
Average Maturity (yrs) 0.10 0.12 0.06 0.09
Yield to Maturity (%) 5.20 7.35 5.20 5.35

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
new Reliance Retail Ltd. 60-D 03/12/2019 Commercial Paper A1+ 0.00 - 8.52 8.52
equal Indian Bank 2019 Certificate of Deposit A1+ 0.00 - 9.70 8.52
equal Axis Bank 2019 Certificate of Deposit A1+ 0.00 - 8.59 8.52
down Kotak Mahindra Bank 26/12/2019 Certificate of Deposit A1+ 0.00 - 17.13 8.50
new The Ramco Cements 69-D 29/01/2020 Commercial Paper A1+ 0.00 - 8.45 8.45
new National Bank Agr. Rur. Devp 252-D 31/01/2020 Commercial Paper A1+ 0.00 - 8.45 8.45
new Bajaj Housing Finance 91-D 18/02/2020 Commercial Paper A1+ 0.00 - 8.43 8.43
new Hero FinCorp 90-D 13/02/2020 Commercial Paper A1+ 0.00 - 8.43 8.43
new JSW Steel 87-D 06/02/2020 Commercial Paper A1+ 0.00 - 8.42 8.42
equal Indusind Bank 27/12/2019 Certificate of Deposit A1+ 0.00 - 5.14 5.10
equal HPCL 91-D 13/12/2019 Commercial Paper A1+ 0.00 - 4.84 4.26
equal Tata Capital Financial Services 364-D 13/12/2019 Commercial Paper A1+ 0.00 - 4.29 4.25
equal Indian Oil Corp. 77-D 23/12/2019 Commercial Paper A1+ 0.00 - 4.28 4.25
new SIDBI 15/01/2020 Commercial Paper A1+ 0.00 - 4.24 4.24
equal Reserve Bank of India 91-D 26/12/2019 Treasury Bills SOV 0.00 - 0.86 0.85
new Reserve Bank of India 182-D 23/01/2020 Treasury Bills SOV 0.00 - 0.85 0.85

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-Nov-2019

Fund Manager

— Deep Mehta since 28-Jun-2018

Education: Mr. Mehta is a B.E. and M.M.S.

Experience: Prior to joining Union Mutual Fund he has worked with Ratnakar Bank Limited, ICRA and Baritone Solutions.

— 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:


--

Change from previous, NAV as on 15-Dec-2019

Growth: ₹ 1,866.0824

Dividend Weekly: ₹ 1,001.5227

More

Dividend Monthly: ₹ 1,003.1823

Dividend Fortnightly: ₹ 1,001.0387

Dividend Daily: ₹ 1,000.6489


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

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 2,000
Minimum No of Cheques 6
Minimum Withdrawal (₹) 1,000
Minimum Balance (₹) 1
Exit Load 0.007% for redemption between 1 - 1 days
0.0065% for redemption between 2 - 2 days
0.006% for redemption between 3 - 3 days
0.0055% for redemption between 4 - 4 days
0.005% for redemption between 5 - 5 days
0.0045% for redemption between 6 - 6 days

Basic Details

Fund House: Union Mutual Fund
Launch Date: 15-Jun-2011
Benchmark: CRISIL Liquid
Riskometer: Low
Type: Open-ended
Assets: ₹ 587 Cr (As on 30-Nov-2019)
Expense: 0.19% (As on 30-Nov-2019)
Risk Grade: --
Return Grade: Low
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Daily14-Dec-20190.0983

 13-Dec-20190.0859
 12-Dec-20190.1022
 11-Dec-20190.1199
 10-Dec-20190.1147
 09-Dec-20190.1084
 08-Dec-20190.1007
 07-Dec-20190.1003
 06-Dec-20190.1244
 05-Dec-20190.0063
 04-Dec-20190.1021
 03-Dec-20190.1008
 02-Dec-20190.1014
 01-Dec-20190.0989
 30-Nov-20190.0989
 29-Nov-20190.1261
 28-Nov-20190.1242
 27-Nov-20190.1157
 26-Nov-20190.0999
 25-Nov-20190.0975
 24-Nov-20190.0994
 23-Nov-20190.0993
 22-Nov-20190.0994
 21-Nov-20190.0942
 20-Nov-20190.1305
Dividend Fortnightly11-Dec-20191.5432

 26-Nov-20191.4411
 12-Nov-20191.6714
 26-Oct-20191.5061
 11-Oct-20191.8018
 26-Sep-20191.2701
 12-Sep-20191.7775
 27-Aug-20191.4431
 14-Aug-20192.3251
 26-Jul-20191.8633
 11-Jul-20192.0548
 26-Jun-20191.8118
 11-Jun-20191.9061
 28-May-20192.4179
 11-May-20192.0717
 26-Apr-20192.0856
 11-Apr-20192.2729
 26-Mar-20191.7360
 11-Sep-20181.9149
 28-Aug-20182.3550
 11-Aug-20182.2698
 26-Jul-20182.1277
 11-Jul-20182.2231
 26-Jun-20182.0514
 12-Jun-20182.5098
Dividend Monthly26-Nov-20193.1186

 26-Oct-20193.3122
 26-Sep-20193.0548
 27-Aug-20193.7778
 26-Jul-20193.9250
 26-Jun-20193.7262
 28-May-20194.4966
 26-Apr-20194.3673
 26-Mar-20193.5938
 28-Aug-20184.6172
 26-Jul-20184.3473
 26-Jun-20184.5626
 26-May-20184.0118
 26-Apr-20184.5983
 27-Mar-20183.9242
 27-Feb-20184.1390
 26-Jan-20183.8259
 27-Dec-20173.5598
 28-Nov-20174.0409
 26-Oct-20173.6591
 26-Sep-20173.4081
 29-Aug-20174.2337
 26-Jul-20173.5216
 28-Jun-20174.0938
 26-May-20173.7112
Dividend Weekly10-Dec-20190.6579

 03-Dec-20190.7673
 26-Nov-20190.7210
 19-Nov-20190.7206
 12-Nov-20190.6600
 05-Nov-20190.5925
 30-Oct-20190.7163
 23-Oct-20190.7749
 15-Oct-20190.7553
 08-Oct-20190.7770
 01-Oct-20190.9316
 24-Sep-20190.5485
 17-Sep-20190.7406
 10-Sep-20190.6711
 04-Sep-20190.8632
 27-Aug-20190.7771
 20-Aug-20190.6684
 14-Aug-20190.9802
 06-Aug-20190.8412
 30-Jul-20190.8605
 23-Jul-20190.8382
 16-Jul-20190.9403
 09-Jul-20190.9965
 02-Jul-20190.8831
 25-Jun-20190.8196

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: 022-67483300 / 1800-200-2268

Fax: 022-67483400/3401/3402

Email: [email protected]

Website: 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

Upcoming Video

Investors' Hangout

Why you should ditch dividend plans

dateFriday, 20-Dec-2019
time12:30 PM - 01:00 PM