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3 star

UTI Liquid Cash Fund - Direct Plan


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
Fund 0.97 0.01 0.07 0.30 0.82 1.58 3.52 5.73 6.25 6.91 --
CCIL T Bill Liquidity Weight 0.55 0.02 0.03 0.15 0.49 0.99 2.34 3.63 3.88 4.31 --
Debt: Liquid 0.97 0.01 0.07 0.30 0.82 1.59 3.45 5.56 6.13 6.83 --
Rank within category 18 18 30 24 16 15 13 16 14 18 --
Number of funds in category 38 38 38 38 38 38 38 34 33 33 1

As on 20-Apr-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 3.52 5.73 6.25 0.16 23,749
ICICI Prudential Liquid Fund - Direct Plan  | Invest Now
4 star
Jan-13 3.58 5.75 6.26 0.20 37,777
Aditya Birla Sun Life Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 3.61 5.80 6.31 0.21 27,433
Nippon India Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 3.58 5.80 6.31 0.18 23,219
Tata Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 3.54 5.77 6.28 0.22 13,109

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 3.58 16-Apr-2020 - 16-Apr-2021

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 5.66 0.50 2.40 4.18 1.01 2.07
CCIL T Bill Liquidity Weight 3.60 0.37 -2.39 -5.59 -- --
Debt: Liquid 5.50 0.66 2.21 4.06 1.02 1.92
Rank within category 15 17 16 13 19 15
Number of funds in category 34 34 34 33 34 34

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

As on 31-Mar-2021

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 75 99 72 36
Modified Duration (yrs) 0.13 0.15 0.06 0.11
Average Maturity (yrs) 0.13 0.15 0.06 0.11
Yield to Maturity (%) 3.31 4.73 2.92 3.43
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 7.80% GOI 2021 Central Government Loan SOV 0.00 - 8.89 8.89
new Reserve Bank of India 364-D 03/06/2021 Treasury Bills SOV 0.00 - 4.19 4.19
new Reserve Bank of India 91-D 30/06/2021 Treasury Bills SOV 0.00 - 4.18 4.18
equal National Bank Agr. Rur. Devp 87-D 30/04/2021 Commercial Paper A1+ 0.00 - 3.36 3.36
new Reserve Bank of India 364-D 27/05/2021 Treasury Bills SOV 0.00 - 3.35 3.35
new HDFC 364-D 25/05/2021 Commercial Paper A1+ 0.00 - 3.14 3.14
equal Reserve Bank of India 364-D 22/04/2021 Treasury Bills SOV 0.00 - 2.84 2.84
new Reserve Bank of India 91-D 17/06/2021 Treasury Bills SOV 0.00 - 2.51 2.51
new Reserve Bank of India 2021 Treasury Bills SOV 0.00 - 2.35 2.35
new HPCL 33-D 07/04/2021 Commercial Paper A1+ 0.00 - 2.10 2.10
equal Reserve Bank of India 91-D 22/04/2021 Treasury Bills SOV 0.00 - 2.11 2.10
equal Reserve Bank of India 91-D 06/05/2021 Treasury Bills SOV 0.00 - 2.10 2.10
new BPCL 42-D 16/04/2021 Commercial Paper A1+ 0.00 - 2.10 2.10
equal Reserve Bank of India 91-D 15/04/2021 Treasury Bills SOV 0.00 - 2.11 2.10
new HDFC 90-D 16/06/2021 Commercial Paper A1+ 0.00 - 2.09 2.09
new Barclays Bank 23/06/2021 Certificate of Deposit A1+ 0.00 - 2.09 2.09
new Chennai Petroleum Corp. 91-D 30/06/2021 Commercial Paper A1+ 0.00 - 2.09 2.09
down Reserve Bank of India 91-D 08/04/2021 Treasury Bills SOV 0.00 - 1.95 1.89
new 7.94% GOI 24/05/2021 Central Government Loan SOV 0.00 - 1.70 1.70
new Chennai Petroleum Corp. 80-D 03/06/2021 Commercial Paper A1+ 0.00 - 1.67 1.67
new NTPC 91-D 08/06/2021 Commercial Paper A1+ 0.00 - 1.67 1.67
equal National Bank Agr. Rur. Devp 91-D 22/04/2021 Commercial Paper A1+ 0.00 - 1.48 1.47
equal Reserve Bank of India 91-D 29/04/2021 Treasury Bills SOV 0.00 - 1.48 1.47
equal Reliance Industries Ltd - Partly Paid Equity 90-D 27/04/2021 Commercial Paper A1+ 0.00 - 1.48 1.47
new Federal Bank 2021 Certificate of Deposit A1+ 0.00 - 1.46 1.46

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-Mar-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:


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Change from previous, NAV as on 21-Apr-2021

Growth: ₹ 3,376.7291

IDCW Yearly: ₹ 1,485.0432

More

IDCW Weekly: ₹ 1,056.3517

IDCW Quarterly: ₹ 1,402.5209

IDCW Monthly: ₹ 1,026.6151

IDCW Half Yearly: ₹ 1,160.0123

IDCW Fortnightly: ₹ 1,155.7341

IDCW Daily: ₹ 1,019.4457

Flexi IDCW: ₹ 1,223.1484


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: 7.28%
Benchmark: CRISIL Liquid TRI
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 23,749 Cr (As on 31-Mar-2021)
Expense: 0.16% (As on 31-Mar-2021)
Risk Grade: --
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily20-Apr-20210.0998

 19-Apr-20210.0925
 18-Apr-20210.0883
 17-Apr-20210.0884
 16-Apr-20210.0911
 15-Apr-20210.0727
 14-Apr-20210.0875
 13-Apr-20210.0877
 12-Apr-20210.1053
 11-Apr-20210.0861
 10-Apr-20210.0928
 09-Apr-20210.0907
 08-Apr-20210.0667
 07-Apr-20210.0676
 06-Apr-20210.1200
 05-Apr-20210.1239
 04-Apr-20210.0876
 03-Apr-20210.0872
 02-Apr-20210.0875
 01-Apr-20210.0875
 31-Mar-20210.1192
 30-Mar-20210.1233
 29-Mar-20210.0889
 28-Mar-20210.0890
 27-Mar-20210.0889
IDCW Fortnightly12-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
 25-Aug-20201.6232
 10-Aug-20201.4258
 27-Jul-20201.6880
 10-Jul-20201.6589
 25-Jun-20202.1562
 10-Jun-20201.4214
 26-May-20202.6715
 11-May-20201.9536
 27-Apr-20202.7220
 13-Apr-20206.2863
IDCW Monthly05-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
 01-Aug-20194.2344
 01-Jul-20193.8859
 03-Jun-20194.7804
 02-May-20194.1769
IDCW Weekly16-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
 08-Dec-20200.5099
 01-Dec-20200.5707
 24-Nov-20200.6286
 17-Nov-20200.6825
 10-Nov-20200.6487
 03-Nov-20200.6431
 27-Oct-20200.6124
 20-Oct-20200.7270
 13-Oct-20200.6960
 06-Oct-20200.7803
 29-Sep-20200.7115

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

Upcoming Video

Investors' Hangout

How to optimise returns with measured risk

DateFriday, 23-Apr-2021
Time12:30 PM - 01:00 PM