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5 star

Aditya Birla Sun Life Liquid Fund - Direct Plan


Debt: Liquid

1 Lakh

Investment Grown to
₹ 1.05 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.23 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 4.14 0.00 0.06 0.26 0.81 1.77 4.58 6.32 6.72 7.34 --
CCIL T Bill Liquidity Weight 2.96 -0.02 0.05 0.19 0.59 1.18 3.15 3.88 4.10 4.52 --
Debt: Liquid 3.90 0.00 0.06 0.26 0.81 1.68 4.33 6.05 6.51 7.17 --
Rank within category 7 25 12 22 16 4 7 6 3 3 --
Number of funds in category 38 38 38 38 38 38 38 34 33 33 1

As on 01-Dec-2020

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
5 star
Jan-13 4.58 6.32 6.72 0.21 34,021
ICICI Prudential Liquid Fund - Direct Plan  | Invest Now
4 star
Jan-13 4.58 6.26 6.65 0.20 40,247
Axis Liquid Fund - Direct Plan
4 star
Jan-13 4.53 6.27 6.68 0.18 26,509
Nippon India Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 4.54 6.31 6.70 0.20 26,077
Tata Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 4.62 6.29 6.68 0.21 15,958

Best & Worst Performance

Best (Period) Worst (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) 0.82 (23-Aug-2020 - 22-Nov-2020)
Year 10.02 (26-Jul-2013 - 27-Jul-2014) 4.61 (28-Nov-2019 - 27-Nov-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 6.16 0.43 3.00 4.49 0.88 2.20
CCIL T Bill Liquidity Weight 3.83 0.33 -3.20 -6.41 -- --
Debt: Liquid 5.91 0.61 2.53 3.81 0.93 2.00
Rank within category 6 9 5 3 18 8
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 30-Nov-2020

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 122 191 122 38
Modified Duration (yrs) 0.09 0.14 0.09 --
Average Maturity (yrs) 0.09 0.14 0.09 --
Yield to Maturity (%) 3.37 5.61 3.37 --
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
equal Reserve Bank of India 182-D 19/11/2020 Treasury Bills SOV 0.00 - 4.73 4.55
up 8.12% GOI 2020 Central Government Loan SOV 0.00 - 4.28 4.28
equal Reserve Bank of India 182-D 12/11/2020 Treasury Bills SOV 0.00 - 4.12 3.96
equal Reserve Bank of India 182-D 03/12/2020 Treasury Bills SOV 0.00 - 3.66 3.52
equal Reserve Bank of India 91-D 05/11/2020 Treasury Bills SOV 0.00 - 3.06 2.94
equal Reserve Bank of India 182-D 06/11/2020 Treasury Bills SOV 0.00 - 3.06 2.94
equal Reserve Bank of India 182-D 17/12/2020 Treasury Bills SOV 0.00 - 2.48 2.39
equal Larsen & Toubro 91-D 18/11/2020 Commercial Paper A1+ 0.00 - 2.14 2.05
equal Reliance Industries 91-D 03/11/2020 Commercial Paper A1+ 0.00 - 1.83 1.76
equal National Fertilizers 90-D 16/12/2020 Commercial Paper A1+ 0.00 - 1.67 1.61
equal SAIL 87-D 13/11/2020 Commercial Paper A1+ 0.00 - 1.53 1.47
equal Indusind Bank 17/11/2020 Certificate of Deposit A1+ 0.00 - 1.53 1.47
equal IDFC First Bank 20/11/2020 Certificate of Deposit A1+ 0.00 - 1.53 1.47
equal Reliance Retail Ventures 91-D 26/11/2020 Commercial Paper A1+ 0.00 - 1.53 1.47
equal Reliance Industries 91-D 27/11/2020 Commercial Paper A1+ 0.00 - 1.53 1.47
equal Tata Capital Financial Services 91-D 27/11/2020 Commercial Paper A1+ 0.00 - 1.52 1.47
equal Nabha Power 90-D 10/12/2020 Commercial Paper A1+ 0.00 - 1.52 1.46
new Cholamandalam Invest. & Fin. 59-D 18/12/2020 Commercial Paper A1+ 0.00 - 1.46 1.46
new Tata Power 84-D 08/01/2021 Commercial Paper A1+ 0.00 - 1.46 1.46
new Tata Power 91-D 14/01/2021 Commercial Paper A1+ 0.00 - 1.46 1.46
new L&T Finance Holdings 91-D 15/01/2021 Commercial Paper A1+ 0.00 - 1.46 1.46
new Cholamandalam Invest. & Fin. 91-D 28/01/2021 Commercial Paper A1+ 0.00 - 1.46 1.46
new L&T Finance 91-D 28/01/2021 Commercial Paper A1+ 0.00 - 1.46 1.46
equal Larsen & Toubro 270-D 15/12/2020 Commercial Paper A1+ 0.00 - 1.40 1.35
equal 8.03% Orissa State 26/11/2020 State Development Loan SOV 0.00 - 1.30 1.24

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-2020

Fund Manager

— Kaustubh Gupta since 01-Jan-2013

Education: Mr. Gupta is a B.Com and a Chartered Accountant.

Experience: Prior to joining Birla Sun Life AMC he has worked with ICICI Bank.

Funds Managed:

— Sunaina da Cunha since 01-Jan-2013

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

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

Funds Managed:


0.00%

Change from previous, NAV as on 01-Dec-2020

Growth: ₹ 328.1239

Dividend Weekly: ₹ 100.2504

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Dividend Daily: ₹ 100.1950

Dividend: ₹ 178.1456


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 (₹) --
Minimum No of Cheques --
Minimum Withdrawal (₹) 1
Minimum Balance (₹) 500
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: 7.57%
Benchmark: CRISIL Liquid TRI
Riskometer: Low
Type: Open-ended
Assets: ₹ 34,021 Cr (As on 31-Oct-2020)
Expense: 0.21% (As on 31-Oct-2020)
Risk Grade: --
Return Grade: High

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Daily29-Nov-20200.0229

 26-Nov-20200.0078
 25-Nov-20200.0116
 24-Nov-20200.0115
 23-Nov-20200.0061
 22-Nov-20200.0065
 21-Nov-20200.0152
 19-Nov-20200.0068
 18-Nov-20200.0119
 17-Nov-20200.0121
 16-Nov-20200.0088
 15-Nov-20200.0247
 12-Nov-20200.0080
 11-Nov-20200.0122
 10-Nov-20200.0090
 09-Nov-20200.0081
 08-Nov-20200.0085
 07-Nov-20200.0168
 05-Nov-20200.0106
 04-Nov-20200.0090
 03-Nov-20200.0100
 02-Nov-20200.0094
 01-Nov-20200.0077
 31-Oct-20200.0256
 28-Oct-20200.0081
Dividend Weekly26-Nov-20200.0589

 19-Nov-20200.0643
 12-Nov-20200.0626
 05-Nov-20200.0389
 01-Nov-20200.0821
 22-Oct-20200.0649
 15-Oct-20200.0678
 08-Oct-20200.0400
 04-Oct-20200.1009
 24-Sep-20200.0608
 17-Sep-20200.0643
 10-Sep-20200.0495
 03-Sep-20200.0667
 27-Aug-20200.0568
 20-Aug-20200.0721
 13-Aug-20200.0700
 06-Aug-20200.0669
 30-Jul-20200.0597
 23-Jul-20200.0642
 16-Jul-20200.0657
 09-Jul-20200.0715
 02-Jul-20200.0813
 25-Jun-20200.0832
 18-Jun-20200.0923
 11-Jun-20200.0920

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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