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3 star

UTI Liquid Cash Fund - Direct Plan


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 2.35 0.01 0.06 0.28 0.86 1.71 3.31 5.18 5.90 6.58 --
CCIL T Bill Liquidity Weight 1.49 0.01 0.04 0.18 0.63 1.15 2.18 3.42 3.67 4.11 --
Debt: Liquid 2.34 0.01 0.06 0.27 0.84 1.69 3.29 5.02 5.78 6.49 --
Rank within category 15 16 21 11 9 16 12 16 16 16 --
Number of funds in category 38 39 39 39 39 38 38 35 34 33 1

As on 16-Sep-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
UTI Liquid Cash Fund - Direct Plan  | Invest Online
3 star
Jan-13 3.31 5.18 5.90 0.13 27,349
ICICI Prudential Liquid Fund - Direct Plan  | Invest Now
4 star
Jan-13 3.31 5.20 5.90 0.20 41,512
Aditya Birla Sun Life Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 3.31 5.26 5.95 0.21 32,671
Nippon India Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 3.31 5.25 5.95 0.18 24,715
Tata Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 3.29 5.22 5.93 0.22 12,147

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 0.55 24-Mar-2020 - 31-Mar-2020 -0.25 17-Mar-2020 - 24-Mar-2020
Month 0.94 24-Mar-2020 - 23-Apr-2020 0.08 23-Feb-2020 - 24-Mar-2020
Quarter 2.67 24-Jul-2013 - 23-Oct-2013 0.74 21-Oct-2020 - 20-Jan-2021
Year 9.82 24-Jul-2013 - 24-Jul-2014 3.28 02-Jul-2020 - 02-Jul-2021

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 5.13 0.50 2.16 8.37 1.06 1.79
CCIL T Bill Liquidity Weight 3.37 0.39 -1.71 -4.34 -- --
Debt: Liquid 4.95 0.66 1.96 6.37 1.05 1.61
Rank within category 16 20 16 4 19 15
Number of funds in category 35 35 35 34 35 35

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

As on 31-Aug-2021

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 63 99 63 37
Modified Duration (yrs) 0.06 0.15 0.06 0.08
Average Maturity (yrs) 0.06 0.15 0.06 0.08
Yield to Maturity (%) 3.20 3.49 2.92 3.27
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 Reserve Bank of India 91-D 09/09/2021 Treasury Bills SOV 0.00 - 7.13 7.13
down Reserve Bank of India 91-D 23/09/2021 Treasury Bills SOV 0.00 - 7.66 5.47
new Reserve Bank of India 364-D 11/11/2021 Treasury Bills SOV 0.00 - 4.36 4.36
new Reserve Bank of India 364-D 02/09/2021 Treasury Bills SOV 0.00 - 3.84 3.84
new Indian Railway Finance Corporation 79-D 22/10/2021 Commercial Paper A1+ 0.00 - 2.91 2.91
equal Reserve Bank of India 91-D 02/09/2021 Treasury Bills SOV 0.00 - 2.84 2.74
equal Reserve Bank of India 91-D 16/09/2021 Treasury Bills SOV 0.00 - 2.84 2.74
new Tata Steel 90-D 02/09/2021 Commercial Paper A1+ 0.00 - 2.56 2.56
equal Reserve Bank of India 182-D 10/09/2021 Treasury Bills SOV 0.00 - 1.89 1.83
equal Punjab & Sind Bank 15/09/2021 Certificate of Deposit A1+ 0.00 - 1.89 1.83
equal Reliance Jio Infocomm 91-D 03/09/2021 Commercial Paper A1+ 0.00 - 1.89 1.83
equal Reliance Retail Ventures 91-D 13/09/2021 Commercial Paper A1+ 0.00 - 1.89 1.83
equal MRPL 90-D 14/09/2021 Commercial Paper A1+ 0.00 - 1.89 1.83
equal Tata Capital Housing Finance 59-D 09/09/2021 Commercial Paper A1+ 0.00 - 1.83 1.83
new Reliance Retail Ventures 91-D 16/11/2021 Commercial Paper A1+ 0.00 - 1.82 1.82
new Reserve Bank of India 91-D 04/11/2021 Treasury Bills SOV 0.00 - 1.82 1.82
equal Export-Import Bank 90-D 29/09/2021 Certificate of Deposit A1+ 0.00 - 1.82 1.82
equal Tata Capital Financial Services 91-D 24/09/2021 Commercial Paper A1+ 0.00 - 1.89 1.82
equal Reliance Jio Infocomm 91-D 06/09/2021 Commercial Paper A1+ 0.00 - 1.52 1.46
new Indian Oil Corporation 38-D 13/09/2021 Commercial Paper A1+ 0.00 - 1.37 1.37
new Reserve Bank of India 364-D 07/10/2021 Treasury Bills SOV 0.00 - 1.27 1.27
equal ONGC Petro Additions 91-D 06/09/2021 Commercial Paper A1+ 0.00 - 1.14 1.10
new BHEL 90-D 11/10/2021 Commercial Paper A1+ 0.00 - 1.09 1.09
new Kotak Securities 91-D 02/11/2021 Commercial Paper A1+ 0.00 - 1.09 1.09
equal Can Fin Homes 90-D 29/09/2021 Commercial Paper A1+ 0.00 - 1.09 1.09

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-Aug-2021

Fund Manager

— Amandeep Singh Chopra since 01-Jul-2015

Education: Mr. Chopra is a B.Sc. from St.Stephen's College and an MBA from FMS, Delhi.

Experience: He has been with UTI AMC since 1994 beginning with Investment Research and then moving into the area of Fund Management. Prior to this, he had an experience of 2 years of working with Aaina Exports Ltd and Stenay Ltd. He serves on the Executive Investment Committee (EIC), Valuation Committee and the Management Committee of UTI AMC Ltd. He is also a member of the Valuation Committee of the Association of Mutual Funds in India (AMFI).

Interviews:

Funds Managed:

— Amit Sharma since 08-Jul-2017

Education: Mr. Sharma is a B.Com, CA, FRM

Experience: He has been associated with the Dept. of Fund Management of UTI for the past 5 years.

Funds Managed:


0.01%

Change from previous, NAV as on 16-Sep-2021

Growth: ₹ 3,422.7092

IDCW Yearly: ₹ 1,505.2644

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IDCW Weekly: ₹ 1,062.8596

IDCW Quarterly: ₹ 1,421.6186

IDCW Monthly: ₹ 1,030.8039

IDCW Half Yearly: ₹ 1,175.8096

IDCW Fortnightly: ₹ 1,155.1249

IDCW Daily: ₹ 1,023.3617

Flexi IDCW: ₹ 1,239.8035


Investment Strategy

The scheme seeks to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of debt & money market instruments.

Investment Details

Minimum Investment (₹) 500
Minimum Addl Investment (₹) 500
Minimum SIP Investment (₹) --
Minimum No of Cheques --
Minimum Withdrawal (₹) 500
Minimum Balance (₹) --
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: UTI Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 7.09%
Benchmark: CRISIL Liquid Fund Index
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 27,349 Cr (As on 31-Aug-2021)
Expense: 0.13% (As on 31-Jul-2021)
Risk Grade: --
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Fortnightly13-Sep-20211.9233

 25-Aug-20211.6837
 11-Aug-20211.6142
 26-Jul-20211.5614
 12-Jul-20211.8391
 25-Jun-20211.5872
 10-Jun-20211.7236
 25-May-20211.5316
 10-May-20211.3234
 26-Apr-20211.4537
 12-Apr-20211.9451
 25-Mar-20211.6551
 10-Mar-20211.1446
 25-Feb-20211.7414
 10-Feb-20211.7105
 25-Jan-20211.3279
 11-Jan-20211.2126
 28-Dec-20201.7143
 10-Dec-20201.2684
 25-Nov-20201.5557
 10-Nov-20201.4925
 26-Oct-20201.5188
 12-Oct-20201.9621
 25-Sep-20201.4958
 10-Sep-20201.5763
IDCW Monthly01-Sep-20212.2673

 01-Jul-20212.3278
 01-Jun-20212.6051
 03-May-20212.5142
 05-Apr-20213.3265
 01-Mar-20212.6499
 01-Feb-20212.5016
 02-Jan-20212.6373
 01-Jan-20212.6373
 01-Dec-20202.5783
 02-Nov-20202.9627
 01-Oct-20202.7798
 01-Sep-20202.7587
 03-Aug-20203.0278
 01-Jul-20203.3868
 01-Jun-20203.8536
 04-May-20204.3038
 03-Apr-20206.0179
 02-Mar-20202.9008
 03-Feb-20203.3698
 01-Jan-20203.0686
 02-Dec-20193.2931
 01-Nov-20193.5694
 01-Oct-20193.2822
 03-Sep-20193.9002
IDCW Daily25-Aug-20210.0968

 24-Aug-20210.0929
 23-Aug-20210.0901
 22-Aug-20210.0934
 21-Aug-20210.0919
 20-Aug-20210.0876
 19-Aug-20210.0943
 18-Aug-20210.0372
 17-Aug-20210.1196
 16-Aug-20210.0577
 27-Jul-20210.0957
 26-Jul-20210.0956
 25-Jul-20210.0952
 24-Jul-20210.0952
 23-Jul-20210.1098
 22-Jul-20210.1084
 21-Jul-20210.0974
 20-Jul-20210.1002
 19-Jul-20210.0919
 18-Jul-20210.0924
 17-Jul-20210.0925
 16-Jul-20210.0911
 15-Jul-20210.0833
 14-Jul-20210.1161
 13-Jul-20210.1084
IDCW Weekly13-Jul-20210.8405

 06-Jul-20210.5778
 29-Jun-20210.8660
 22-Jun-20210.6832
 15-Jun-20210.4887
 08-Jun-20210.5713
 01-Jun-20210.6672
 25-May-20210.5772
 18-May-20210.5559
 11-May-20211.0161
 04-May-20210.9596
 16-Mar-20210.6426
 09-Mar-20210.5676
 02-Mar-20210.5963
 23-Feb-20210.7248
 16-Feb-20210.7256
 09-Feb-20210.6459
 02-Feb-20210.6070
 27-Jan-20210.7369
 19-Jan-20210.5910
 12-Jan-20210.3943
 05-Jan-20210.6822
 29-Dec-20200.6701
 22-Dec-20200.5947
 15-Dec-20200.5972

Contact Information

AMC: UTI Asset Management Company Ltd

Address: UTI Tower, 'GN' Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400051

Phone: 022- 66786666 / 66786354 / 1800-22-1230

Fax: 022-26523031

Email: [email protected]

Website: http://www.utimf.com

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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