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3 star

UTI Liquid Cash Fund - Direct Plan


Debt: Liquid

1 Lakh

Investment Grown to
₹ 1.06 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.23 Lakh

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 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 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-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 2.68 0.01 0.06 0.33 1.15 2.56 5.52 6.69 7.01 7.62 --
CCIL T Bill Liquidity Weight 2.04 0.01 0.05 0.23 0.93 1.94 3.95 4.14 4.33 4.70 --
Debt: Liquid 2.54 0.01 0.06 0.30 1.05 2.42 5.35 6.48 6.83 7.51 --
Rank within category 15 19 15 10 11 15 16 15 15 22 --
Number of funds in category 39 39 39 39 39 39 39 35 34 33 1

As on 08-Jul-2020

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 5.52 6.69 7.01 0.16 28,330
Aditya Birla Sun Life Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 5.70 6.77 7.09 0.21 43,090
Nippon India Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 5.66 6.76 7.08 0.18 31,728
Axis Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 5.61 6.72 7.06 0.15 29,605
Tata Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 5.67 6.73 7.05 0.21 19,378

Best & Worst Performance

Best (Period) Worst (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) 0.94 (24-Dec-2019 - 24-Mar-2020)
Year 9.82 (24-Jul-2013 - 24-Jul-2014) 5.55 (04-Jul-2019 - 03-Jul-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 6.52 0.29 4.22 5.79 0.49 1.82
CCIL T Bill Liquidity Weight 4.07 0.28 -4.34 -7.86 -- --
Debt: Liquid 6.33 0.50 3.67 4.95 0.58 1.73
Rank within category 15 17 13 14 21 16
Number of funds in category 35 35 35 35 35 35

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

As on 30-Jun-2020

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 79 130 60 51
Modified Duration (yrs) 0.11 0.13 0.07 --
Average Maturity (yrs) 0.11 0.14 0.08 --
Yield to Maturity (%) 3.73 6.69 3.73 --

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
new Reserve Bank of India 84-D 20/08/2020 Treasury Bills SOV 0.00 - 12.27 12.27
equal National Bank Agr. Rur. Devp 313-D 08/06/2020 Commercial Paper A1+ 0.00 - 9.49 6.26
equal Reserve Bank of India 91-D 09/07/2020 Treasury Bills SOV 0.00 - 4.06 3.52
up Reliance Jio Infocomm 91-D 20/07/2020 Commercial Paper A1+ 0.00 - 3.23 3.16
equal Reserve Bank of India 77-D 16/06/2020 Treasury Bills SOV 0.00 - 2.85 2.47
new Reserve Bank of India 91-D 13/08/2020 Treasury Bills SOV 0.00 - 2.46 2.46
new Reserve Bank of India 91-D 27/08/2020 Treasury Bills SOV 0.00 - 2.45 2.45
new Chennai Petroleum Corp. 84-D 30/06/2020 Commercial Paper A1+ 0.00 - 2.29 2.29
down Reliance Industries 85-D 17/07/2020 Commercial Paper A1+ 0.00 - 2.83 2.28
down BPCL 90-D 29/06/2020 Commercial Paper A1+ 0.00 - 4.06 2.11
new Hindustan Zinc 89-D 10/08/2020 Commercial Paper A1+ 0.00 - 2.10 2.10
equal Reliance Jio Infocomm 119-D 08/06/2020 Commercial Paper A1+ 0.00 - 2.71 1.76
equal Axis Bank 15/06/2020 Certificate of Deposit A1+ 0.00 - 2.71 1.76
equal Reliance Industries 91-D 09/07/2020 Commercial Paper A1+ 0.00 - 2.02 1.76
equal Reliance Industries 91-D 17/06/2020 Commercial Paper A1+ 0.00 - 2.70 1.76
equal Bank of India 15/06/2020 Certificate of Deposit A1+ 0.00 - 2.71 1.76
equal Indian Oil Corp. 62-D 08/06/2020 Commercial Paper A1+ 0.00 - 2.03 1.76
equal Punjab National Bank 2020 Certificate of Deposit A1+ 0.00 - 2.71 1.76
new Reliance Retail Ltd. 52-D 29/06/2020 Commercial Paper A1+ 0.00 - 1.76 1.76
equal Kotak Mahindra Bank 17/06/2020 Certificate of Deposit A1+ 0.00 - 2.71 1.76
equal Reserve Bank of India 91-D 30/06/2020 Treasury Bills SOV 0.00 - 2.03 1.76
new IDFC First Bank 20/08/2020 Certificate of Deposit A1+ 0.00 - 1.75 1.75
up IDFC First Bank 23/07/2020 Certificate of Deposit A1+ 0.00 - 1.75 1.75
new Reserve Bank of India 364-D 14/08/2020 Treasury Bills SOV 0.00 - 1.75 1.75
new Chennai Petroleum Corp. 50-D 23/06/2020 Commercial Paper A1+ 0.00 - 1.41 1.41

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-2020

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 associated with UTI AMC for over two decades.

Interviews:

Funds Managed:

— Amit Sharma since 08-Jul-2017

Experience: He has been associated with the Dept. of Fund Management of UTI for the past 4 years.

Funds Managed:


0.01%

Change from previous, NAV as on 08-Jul-2020

Growth: ₹ 3,292.5164

Flexi Dividend: ₹ 1,192.6441

More

Dividend Yearly: ₹ 1,448.0081

Dividend Weekly: ₹ 1,052.8513

Dividend Quarterly: ₹ 1,367.5443

Dividend Monthly: ₹ 1,025.9069

Dividend Half Yearly: ₹ 1,131.0825

Dividend Fortnightly: ₹ 1,156.2628

Dividend Daily: ₹ 1,019.4457


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 (₹) --
Minimum Balance (₹) --
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: 7.70%
Benchmark: CRISIL Liquid
Riskometer: Low
Type: Open-ended
Assets: ₹ 28,330 Cr (As on 31-May-2020)
Expense: 0.16% (As on 31-May-2020)
Risk Grade: --
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Daily07-Jul-20200.0832

 06-Jul-20200.0758
 05-Jul-20200.0891
 04-Jul-20200.0892
 03-Jul-20200.0684
 02-Jul-20200.0791
 01-Jul-20200.1594
 30-Jun-20200.1367
 29-Jun-20200.1136
 28-Jun-20200.0926
 27-Jun-20200.0923
 26-Jun-20200.0863
 25-Jun-20200.1425
 24-Jun-20200.1397
 23-Jun-20200.1137
 22-Jun-20200.1065
 21-Jun-20200.0934
 20-Jun-20200.0934
 19-Jun-20200.1454
 18-Jun-20200.1397
 17-Jun-20200.1301
 16-Jun-20200.1019
 15-Jun-20200.1663
 14-Jun-20200.0982
 13-Jun-20200.0979
Dividend Weekly07-Jul-20200.6655

 30-Jun-20200.8302
 23-Jun-20200.8495
 16-Jun-20200.9474
 09-Jun-20200.6273
 02-Jun-20200.5442
 26-May-20200.9908
 19-May-20201.1758
 12-May-20201.2210
 05-May-20200.8401
 28-Apr-20200.8497
 21-Apr-20201.3751
 15-Apr-20201.1541
 07-Apr-20201.0527
 31-Mar-20202.2890
 17-Mar-20200.4166
 11-Mar-20201.1352
 03-Mar-20200.7203
 25-Feb-20200.7307
 18-Feb-20200.7666
 11-Feb-20200.7810
 04-Feb-20200.7504
 28-Jan-20200.7444
 21-Jan-20200.7384
 14-Jan-20200.6605
Dividend Monthly01-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
 02-Apr-20195.2461
 02-Mar-20194.5185
 02-Feb-20194.5185
 01-Jan-20194.4069
 03-Dec-20184.8702
 01-Nov-20184.7554
 02-Oct-20184.0952
 03-Sep-20184.7508
 01-Aug-20184.4670
 02-Jul-20184.7785
Dividend Fortnightly25-Jun-20202.1562

 10-Jun-20201.4214
 26-May-20202.6715
 11-May-20201.9536
 27-Apr-20202.7220
 13-Apr-20206.2863
 11-Mar-20202.0365
 25-Feb-20201.7870
 10-Feb-20201.6561
 27-Jan-20201.9235
 10-Jan-20201.7642
 26-Dec-20191.8498
 10-Dec-20191.7732
 25-Nov-20191.7162
 11-Nov-20191.9939
 25-Oct-20191.8986
 10-Oct-20192.2716
 25-Sep-20191.5727
 11-Sep-20192.0858
 26-Aug-20191.6725
 13-Aug-20192.7677
 25-Jul-20192.2277
 10-Jul-20192.3995
 25-Jun-20192.3178
 10-Jun-20192.3069

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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