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3 star

HDFC 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 3.04 0.01 0.07 0.31 0.82 1.69 3.28 4.81 5.65 6.36 --
CCIL T Bill Liquidity Weight 1.88 0.03 0.04 0.17 0.43 1.08 2.05 3.24 3.53 3.99 --
Debt: Liquid 3.07 0.01 0.07 0.30 0.82 1.68 3.32 4.82 5.63 6.32 --
Rank within category 27 7 8 11 25 22 27 23 27 24 --
Number of funds in category 38 39 39 39 39 39 38 35 34 33 1

As on 03-Dec-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
HDFC Liquid Fund - Direct Plan  | Invest Online
3 star
Jan-13 3.28 4.81 5.65 0.20% 45,580
ICICI Prudential Liquid Fund - Direct Plan  | Invest Now
4 star
Jan-13 3.32 4.90 5.74 0.20% 35,561
Aditya Birla Sun Life Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 3.34 4.94 5.79 0.21% 29,710
Nippon India Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 3.34 4.93 5.79 0.18% 20,961
Tata Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 3.30 4.91 5.77 0.22% 8,688

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 0.49 24-Mar-2020 - 31-Mar-2020 -0.18 17-Mar-2020 - 24-Mar-2020
Month 0.93 06-Sep-2013 - 08-Oct-2013 0.15 23-Feb-2020 - 24-Mar-2020
Quarter 2.64 24-Jul-2013 - 23-Oct-2013 0.72 21-Oct-2020 - 20-Jan-2021
Year 9.83 26-Jul-2013 - 27-Jul-2014 3.20 26-Oct-2020 - 26-Oct-2021

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 4.72 0.48 1.93 12.65 1.05 1.57
CCIL T Bill Liquidity Weight 3.18 0.40 -1.54 -4.30 -- --
Debt: Liquid 4.73 0.47 2.01 11.93 0.99 1.55
Rank within category 23 24 25 18 28 20
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-Nov-2021

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 102 121 51 35
Modified Duration (yrs) 0.08 0.14 0.06 --
Average Maturity (yrs) 0.08 0.15 0.06 --
Yield to Maturity (%) 3.64 3.64 2.97 --
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 91-D 19/11/2021 Treasury Bills SOV 0.00 - 5.48 5.46
new Reserve Bank of India 182-D 18/11/2021 Treasury Bills SOV 0.00 - 5.02 5.02
new Reserve Bank of India 91-D 06/01/2022 Treasury Bills SOV 0.00 - 4.99 4.99
equal National Bank Agr. Rur. Devp 90-D 16/11/2021 Commercial Paper A1+ 0.00 - 4.39 4.38
equal Hindalco Inds. 90-D 25/11/2021 Commercial Paper A1+ 0.00 - 3.29 3.28
equal Reliance Jio Infocomm 91-D 30/11/2021 Commercial Paper A1+ 0.00 - 3.07 3.06
new Reserve Bank of India 364-D 09/12/2021 Treasury Bills SOV 0.00 - 3.00 3.00
equal Reliance Industries 91-D 22/11/2021 Commercial Paper A1+ 0.00 - 2.63 2.63
new Reliance Jio Infocomm 91-D 17/01/2022 Commercial Paper A1+ 0.00 - 2.50 2.50
new Reserve Bank of India 182-D 12/11/2021 Treasury Bills SOV 0.00 - 2.46 2.46
new Reliance Jio Infocomm 85-D 07/01/2022 Commercial Paper A1+ 0.00 - 2.40 2.40
new BHEL 78-D 28/12/2021 Commercial Paper A1+ 0.00 - 1.85 1.85
down Reliance Industries 82-D 03/11/2021 Commercial Paper A1+ 0.00 - 2.86 1.70
equal SAIL 91-D 26/11/2021 Commercial Paper A1+ 0.00 - 1.65 1.64
new Reserve Bank of India 364-D 18/11/2021 Treasury Bills SOV 0.00 - 1.57 1.57
new Adani Ports and Special Economic Zone 88-D 28/12/2021 Commercial Paper A1+ 0.00 - 1.53 1.53
new Adani Ports and Special Economic Zone 86-D 29/12/2021 Commercial Paper A1+ 0.00 - 1.53 1.53
equal Reliance Industries 91-D 25/11/2021 Commercial Paper A1+ 0.00 - 1.54 1.53
equal Hindustan Petroleum Corporation 88-D 26/11/2021 Commercial Paper A1+ 0.00 - 1.32 1.31
equal Adani Ports and Special Economic Zone 90-D 15/11/2021 Commercial Paper A1+ 0.00 - 1.10 1.10
equal The Federal Bank 18/11/2021 Certificate of Deposit A1+ 0.00 - 1.10 1.10
equal NLC India 90-D 16/11/2021 Commercial Paper A1+ 0.00 - 1.10 1.10
equal Tata Steel 70-D 18/11/2021 Commercial Paper A1+ 0.00 - 1.10 1.10
equal Tata Steel 90-D 14/12/2021 Commercial Paper A1+ 0.00 - 1.09 1.09
equal Tata Power Company 81-D 29/11/2021 Commercial Paper A1+ 0.00 - 1.10 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-Oct-2021

Fund Manager

— Anupam Joshi since 27-Oct-2015

Education: Mr. Joshi is a PGDM in Business Management.

Experience: Prior to joining HDFC Mutual Fund he has worked with IDFC AMC, Principal Asset Management Company and ICAP India Pvt. Ltd.

Funds Managed:


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Change from previous, NAV as on 05-Dec-2021

Growth: ₹ 4,137.3893

IDCW Weekly: ₹ 1,031.6327

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IDCW Monthly: ₹ 1,026.9001

IDCW Daily: ₹ 1,019.8200


Investment Strategy

The scheme seeks to generate income through a portfolio comprising money market and debt instruments.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 1,000
Minimum No of Cheques 6
Minimum Withdrawal (₹) 5,000
Minimum Balance (₹) 1
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: HDFC Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 6.98%
Benchmark: CRISIL Liquid Fund Index
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 45,580 Cr (As on 31-Oct-2021)
Expense: 0.20% (As on 31-Oct-2021)
Risk Grade: --
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily02-Dec-20210.1036

 01-Dec-20210.0932
 30-Nov-20210.0962
 29-Nov-20210.1110
 28-Nov-20210.0977
 26-Nov-20210.1882
 25-Nov-20210.0938
 24-Nov-20210.0998
 23-Nov-20210.1268
 22-Nov-20210.1048
 21-Nov-20210.0677
 18-Nov-20210.2957
 17-Nov-20210.0941
 16-Nov-20210.1066
 15-Nov-20210.0803
 14-Nov-20210.0974
 12-Nov-20210.1859
 11-Nov-20210.1171
 10-Nov-20210.1237
 09-Nov-20210.0927
 08-Nov-20210.1380
 07-Nov-20210.1815
 03-Nov-20210.4366
 02-Nov-20210.1310
 01-Nov-20210.1106
IDCW Monthly29-Nov-20213.6045

 25-Oct-20212.3893
 27-Sep-20212.3964
 30-Aug-20213.3967
 26-Jul-20212.6898
 28-Jun-20212.6407
 31-May-20213.0742
 26-Apr-20212.4259
 30-Mar-20213.2219
 22-Feb-20212.6681
 25-Jan-20212.1868
 28-Dec-20202.0628
 01-Dec-20203.1505
 26-Oct-20202.7598
 28-Sep-20202.4066
 31-Aug-20203.1989
 27-Jul-20202.5770
 29-Jun-20203.2440
 26-May-20204.1188
 27-Apr-202010.7206
 24-Feb-20202.9698
 27-Jan-20202.7986
 30-Dec-20193.5961
 25-Nov-20192.8704
 29-Oct-20193.3205
IDCW Weekly29-Nov-20210.7192

 22-Nov-20210.6516
 15-Nov-20210.7634
 08-Nov-20210.8694
 01-Nov-20210.6065
 25-Oct-20210.5176
 18-Oct-20210.5592
 11-Oct-20210.7115
 04-Oct-20210.6099
 27-Sep-20210.5690
 20-Sep-20210.6085
 13-Sep-20210.5893
 06-Sep-20210.6384
 30-Aug-20210.6590
 23-Aug-20210.5922
 17-Aug-20210.8476
 09-Aug-20210.6472
 02-Aug-20210.6619
 26-Jul-20210.7131
 19-Jul-20210.6773
 12-Jul-20210.6570
 05-Jul-20210.6511
 28-Jun-20210.6989
 21-Jun-20210.6266
 14-Jun-20210.6596

Contact Information

AMC: HDFC Asset Management Company Ltd

Address: "HDFC House"-2nd Floor, H.T. Parekh Marg - 165-166, Backbay Reclamation, Churchgate Mumbai - 400020

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 022-22821144

Website: http://www.hdfcfund.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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