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4 star

Aditya Birla Sun Life Liquid 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 3.02 0.01 0.07 0.32 0.83 1.71 3.31 4.97 5.81 6.49 --
CCIL T Bill Liquidity Weight 1.84 0.03 0.05 0.20 0.47 1.08 2.01 3.25 3.53 4.01 --
Debt: Liquid 3.00 0.01 0.08 0.31 0.83 1.69 3.29 4.85 5.64 6.34 --
Rank within category 16 35 31 13 18 16 16 7 6 4 --
Number of funds in category 38 39 39 39 39 39 38 35 34 33 1

As on 26-Nov-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Aditya Birla Sun Life Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 3.31 4.97 5.81 0.21% 29,710
ICICI Prudential Liquid Fund - Direct Plan  | Invest Now
4 star
Jan-13 3.29 4.93 5.75 0.20% 35,561
Nippon India Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 3.31 4.96 5.80 0.18% 20,961
Tata Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 3.27 4.93 5.78 0.22% 8,688
LIC MF Liquid Fund - Direct Plan  | Invest Online
5 star
Jan-13 3.35 4.94 5.79 0.11% 6,602

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 0.47 24-Mar-2020 - 31-Mar-2020 -0.16 17-Mar-2020 - 24-Mar-2020
Month 0.99 06-Sep-2013 - 08-Oct-2013 0.17 23-Feb-2020 - 24-Mar-2020
Quarter 2.73 24-Jul-2013 - 23-Oct-2013 0.74 23-Oct-2020 - 22-Jan-2021
Year 10.02 26-Jul-2013 - 27-Jul-2014 3.26 28-Oct-2020 - 28-Oct-2021

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 4.96 0.50 2.17 11.45 1.07 1.75
CCIL T Bill Liquidity Weight 3.25 0.40 -1.53 -4.22 -- --
Debt: Liquid 4.84 0.48 2.00 10.24 1.01 1.59
Rank within category 7 29 6 14 28 7
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 31-Oct-2021

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 103 140 100 35
Modified Duration (yrs) 0.10 0.15 0.07 --
Average Maturity (yrs) 0.10 0.15 0.07 --
Yield to Maturity (%) 3.82 3.82 3.01 --
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
down 8.79% GOI 2021 Central Government Loan SOV 0.00 - 12.68 8.76
down Reserve Bank of India 364-D 04/11/2021 Treasury Bills SOV 0.00 - 5.11 4.48
equal Reserve Bank of India 182-D 02/12/2021 Treasury Bills SOV 0.00 - 3.49 3.36
equal Reserve Bank of India 364-D 11/11/2021 Treasury Bills SOV 0.00 - 3.49 3.36
equal Reserve Bank of India 91-D 23/12/2021 Treasury Bills SOV 0.00 - 3.47 3.35
down Reserve Bank of India 91-D 16/12/2021 Treasury Bills SOV 0.00 - 3.48 3.18
equal Tata Steel 88-D 03/12/2021 Commercial Paper A1+ 0.00 - 2.78 2.68
equal Reliance Industries 91-D 23/11/2021 Commercial Paper A1+ 0.00 - 2.61 2.52
new Adani Ports and Special Economic Zone 84-D 24/12/2021 Commercial Paper A1+ 0.00 - 2.51 2.51
new Adani Ports and Special Economic Zone 87-D 27/12/2021 Commercial Paper A1+ 0.00 - 2.51 2.51
new Reliance Jio Infocomm 85-D 07/01/2022 Commercial Paper A1+ 0.00 - 2.51 2.51
new Citicorp Finance 91-D 24/01/2022 Commercial Paper A1+ 0.00 - 2.33 2.33
equal Reserve Bank of India 91-D 02/12/2021 Treasury Bills SOV 0.00 - 2.37 2.28
equal Reliance Jio Infocomm 91-D 10/11/2021 Commercial Paper A1+ 0.00 - 2.09 2.02
new Shriram Transport Finance Company 78-D 30/12/2021 Commercial Paper A1+ 0.00 - 2.00 2.00
equal Reserve Bank of India 182-D 25/11/2021 Treasury Bills SOV 0.00 - 1.83 1.76
equal Reliance Industries 91-D 12/11/2021 Commercial Paper A1+ 0.00 - 1.74 1.68
equal National Bank Agr. Rur. Devp 90-D 22/11/2021 Commercial Paper A1+ 0.00 - 1.74 1.68
equal Tata Steel 90-D 25/11/2021 Commercial Paper A1+ 0.00 - 1.74 1.68
equal Reliance Jio Infocomm 91-D 03/12/2021 Commercial Paper A1+ 0.00 - 1.74 1.68
equal Reliance Jio Infocomm 92-D 06/12/2021 Commercial Paper A1+ 0.00 - 1.74 1.68
equal Chennai Petroleum Corporation 91-D 17/12/2021 Commercial Paper A1+ 0.00 - 1.74 1.68
new Bajaj Finance 36-D 07/12/2021 Commercial Paper A1+ 0.00 - 1.59 1.59
new Nabha Power 89-D 25/01/2022 Commercial Paper A1+ 0.00 - 1.50 1.50
equal 6.22% HDFC 2021 Debenture AAA 0.00 - 1.46 1.40

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-Oct-2021

Fund Manager

— Sunaina da Cunha since 01-Jan-2013

Education: Ms. Cunha is a B.Com (H) and MBA from FMS, Delhi.

Experience: Prior to joining Aditya Birla Sun Life Asset Management Company, she has worked with Aditya Birla Management Corporation Ltd.

Funds Managed:


0.01%

Change from previous, NAV as on 26-Nov-2021

Growth: ₹ 338.8622

IDCW Weekly: ₹ 100.2250

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IDCW Daily: ₹ 100.1950

IDCW: ₹ 183.9750


Investment Strategy

The scheme seeks to provide high liquidity and safety with reasonable returns through investments in debt and money market instruments.

Investment Details

Minimum Investment (₹) 500
Minimum Addl Investment (₹) 500
Minimum SIP Investment (₹) 500
Minimum No of Cheques 6
Minimum Withdrawal (₹) 1
Minimum Balance (₹) 500
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: Aditya Birla Sun Life Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 7.09%
Benchmark: CRISIL Liquid Fund Index
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 29,710 Cr (As on 31-Oct-2021)
Expense: 0.21% (As on 31-Oct-2021)
Risk Grade: --
Return Grade: Above Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily26-Nov-20210.0083

 25-Nov-20210.0111
 24-Nov-20210.0127
 23-Nov-20210.0096
 22-Nov-20210.0045
 21-Nov-20210.0286
 18-Nov-20210.0100
 16-Nov-20210.0098
 15-Nov-20210.0100
 14-Nov-20210.0093
 13-Nov-20210.0188
 11-Nov-20210.0110
 10-Nov-20210.0098
 09-Nov-20210.0099
 08-Nov-20210.0136
 07-Nov-20210.0205
 06-Nov-20210.0407
 02-Nov-20210.0161
 01-Nov-20210.0101
 31-Oct-20210.0087
 30-Oct-20210.0196
 28-Oct-20210.0091
 27-Oct-20210.0073
 26-Oct-20210.0068
 25-Oct-20210.0015
IDCW Weekly25-Nov-20210.0418

 21-Nov-20210.0910
 11-Nov-20210.0443
 07-Nov-20210.1158
 28-Oct-20210.0432
 21-Oct-20210.0326
 17-Oct-20210.0844
 07-Oct-20210.0734
 30-Sep-20210.0566
 23-Sep-20210.0546
 16-Sep-20210.0334
 12-Sep-20210.0861
 02-Sep-20210.0625
 26-Aug-20210.0666
 19-Aug-20210.0663
 12-Aug-20210.0745
 05-Aug-20210.0620
 29-Jul-20210.0646
 22-Jul-20210.0684
 15-Jul-20210.0681
 08-Jul-20210.0601
 01-Jul-20210.0674
 24-Jun-20210.0743
 17-Jun-20210.0548
 10-Jun-20210.0659

Contact Information

AMC: Aditya Birla Sun Life AMC Ltd.

Address: One India Bulls Center - Tower 1, 17th Floor - Jupiter Mills Compound, 841 Senapati Bhawan, Elphinstone Road, Mumbai - 400013

Phone: 022-43568000 / 1800-270-7000 / 1800-22-7000

Fax: 022-43568110

Website: http://mutualfund.adityabirlacapital.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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