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3 star

SBI 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 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 2.69 0.01 0.06 0.33 1.12 2.54 5.47 6.60 6.94 7.57 --
CCIL T Bill Liquidity Weight 2.07 0.03 0.05 0.26 0.89 1.91 3.96 4.16 4.32 4.70 --
Debt: Liquid 2.56 0.01 0.06 0.30 1.05 2.42 5.33 6.47 6.82 7.51 --
Rank within category 17 25 13 11 16 17 18 23 24 25 --
Number of funds in category 39 39 39 39 39 39 39 35 34 33 1

As on 10-Jul-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
SBI Liquid Fund - Direct Plan  | Invest Online
3 star
Jan-13 5.47 6.60 6.94 0.18 50,762
Aditya Birla Sun Life Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 5.68 6.76 7.09 0.21 36,679
Nippon India Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 5.64 6.76 7.08 0.19 30,604
Axis Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 5.59 6.72 7.05 0.15 27,032
Tata Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 5.65 6.72 7.05 0.21 17,858

Best & Worst Performance

Best (Period) Worst (Period)
Week 0.43 (24-Mar-2020 - 31-Mar-2020) -0.12 (17-Mar-2020 - 24-Mar-2020)
Month 0.88 (24-Jul-2013 - 23-Aug-2013) 0.22 (23-Feb-2020 - 24-Mar-2020)
Quarter 2.65 (24-Jul-2013 - 23-Oct-2013) 1.08 (24-Dec-2019 - 24-Mar-2020)
Year 9.79 (24-Jul-2013 - 24-Jul-2014) 5.46 (11-Jul-2019 - 10-Jul-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 6.45 0.28 4.04 5.55 0.48 1.73
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 23 10 18 16 18 24
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 64 128 64 40
Modified Duration (yrs) 0.12 0.14 0.08 --
Average Maturity (yrs) 0.13 0.14 0.08 --
Yield to Maturity (%) 3.89 6.55 3.89 --

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 84-D 20/08/2020 Treasury Bills SOV 0.00 - 20.60 20.60
new Reserve Bank of India 91-D 24/09/2020 Treasury Bills SOV 0.00 - 11.71 11.71
equal HDFC 88-D 10/08/2020 Commercial Paper A1+ 0.00 - 5.89 5.89
down Reserve Bank of India 91-D 23/07/2020 Treasury Bills SOV 0.00 - 5.25 5.25
equal Reserve Bank of India 91-D 30/07/2020 Treasury Bills SOV 0.00 - 5.15 5.15
new Reserve Bank of India 91-D 03/09/2020 Treasury Bills SOV 0.00 - 5.09 5.09
new Hindustan Aeronautics 90-D 15/09/2020 Commercial Paper A1+ 0.00 - 3.91 3.91
up Reserve Bank of India 91-D 27/08/2020 Treasury Bills SOV 0.00 - 3.85 3.85
equal Reliance Industries 88-D 31/07/2020 Commercial Paper A1+ 0.00 - 3.54 3.54
equal Reserve Bank of India 364-D 14/08/2020 Treasury Bills SOV 0.00 - 2.99 2.99
up Reserve Bank of India 182-D 20/08/2020 Treasury Bills SOV 0.00 - 2.86 2.86
new National Bank Agr. Rur. Devp 170-D 31/07/2020 Commercial Paper A1+ 0.00 - 2.75 2.75
equal Reserve Bank of India 91-D 13/08/2020 Treasury Bills SOV 0.00 - 2.55 2.55
new Reliance Jio Infocomm 89-D 09/09/2020 Commercial Paper A1+ 0.00 - 2.35 2.35
equal Power Finance Corp. 90-D 28/07/2020 Commercial Paper A1+ 0.00 - 1.97 1.97
equal SAIL 91-D 13/08/2020 Commercial Paper A1+ 0.00 - 1.96 1.96
equal SAIL 91-D 18/08/2020 Commercial Paper A1+ 0.00 - 1.96 1.96
new L&T Infrastructre Finance 90-D 10/09/2020 Commercial Paper A1+ 0.00 - 1.96 1.96
equal Reserve Bank of India 91-D 07/08/2020 Treasury Bills SOV 0.00 - 1.90 1.90
new Nabha Power 91-D 04/09/2020 Commercial Paper A1+ 0.00 - 1.37 1.37
new Nabha Power 91-D 11/09/2020 Commercial Paper A1+ 0.00 - 1.07 1.07
new Export-Import Bank 91-D 03/09/2020 Commercial Paper A1+ 0.00 - 0.98 0.98
equal Tata Motors Finance 90-D 26/08/2020 Commercial Paper A1+ 0.00 - 0.98 0.98
new Reserve Bank of India 91-D 17/09/2020 Treasury Bills SOV 0.00 - 0.98 0.98
equal Titan Company 91-D 30/07/2020 Commercial Paper A1+ 0.00 - 0.98 0.98

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 30-Jun-2020

*As on 31-May-2020

Fund Manager

— R Arun since 04-May-2018

Education: Mr. Arun is a B.Com (H), PGDM (Finance) and Financial Risk Manager (GARP).

Experience: Prior joining SBI in 2009 he has worked with ING Investment Management, Deutsche Bank India Operations and CRISIL India.

Funds Managed:


0.01%

Change from previous, NAV as on 10-Jul-2020

Growth: ₹ 3,148.1096

Dividend Weekly: ₹ 1,075.2021

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Dividend Fortnightly: ₹ 1,028.0248

Dividend Daily: ₹ 1,015.8644


Investment Strategy

The scheme seeks to provide the investors an opportunity to invest in the entire range of debt and money market securities with residual maturity upto 91 days only.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 5,000
Minimum SIP Investment (₹) 2,000
Minimum No of Cheques 6
Minimum Withdrawal (₹) 5,000
Minimum Balance (₹) 1,000
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: SBI Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 7.66%
Benchmark: CRISIL Liquid
Riskometer: Low
Type: Open-ended
Assets: ₹ 50,762 Cr (As on 30-Jun-2020)
Expense: 0.18% (As on 31-May-2020)
Risk Grade: --
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Daily30-Mar-20200.2563

 29-Mar-20200.1714
 28-Mar-20200.1108
 27-Mar-20200.1107
 26-Mar-20201.5737
 16-Mar-20200.0720
 15-Mar-20200.0892
 14-Mar-20200.1010
 13-Mar-20200.1009
 12-Mar-20200.0323
 11-Mar-20200.0824
 10-Mar-20200.1176
 09-Mar-20200.1281
 08-Mar-20200.1604
 07-Mar-20200.1289
 06-Mar-20200.1288
 05-Mar-20200.1367
 04-Mar-20200.1500
 03-Mar-20200.1964
 02-Mar-20200.1091
 01-Mar-20200.0935
 29-Feb-20200.1019
 28-Feb-20200.1020
 27-Feb-20200.1102
 26-Feb-20200.0566
Dividend Weekly27-Mar-20201.9973

 20-Mar-20200.0619
 13-Mar-20200.7943
 06-Mar-20200.9697
 28-Feb-20200.6984
 21-Feb-20200.7461
 14-Feb-20200.7853
 07-Feb-20200.7670
 31-Jan-20200.7543
 24-Jan-20200.7506
 17-Jan-20200.6655
 10-Jan-20200.6775
 03-Jan-20200.7949
 27-Dec-20190.7533
 20-Dec-20190.7536
 13-Dec-20190.7715
 06-Dec-20190.7129
 29-Nov-20190.8188
 22-Nov-20190.7738
 15-Nov-20190.7819
 08-Nov-20190.6919
 01-Nov-20190.8050
 25-Oct-20190.7285
 18-Oct-20190.8480
 11-Oct-20190.8595
Dividend Fortnightly20-Mar-20200.8170

 06-Mar-20201.5916
 21-Feb-20201.4604
 07-Feb-20201.4513
 24-Jan-20201.3511
 10-Jan-20201.4049
 27-Dec-20191.4377
 13-Dec-20191.4162
 29-Nov-20191.5196
 15-Nov-20191.4062
 01-Nov-20191.4631
 18-Oct-20191.6294
 04-Oct-20191.6854
 20-Sep-20191.5006
 06-Sep-20191.5848
 23-Aug-20191.5903
 09-Aug-20191.8609
 26-Jul-20191.7696
 12-Jul-20191.8664
 28-Jun-20191.7934
 14-Jun-20191.8887
 31-May-20192.0092
 17-May-20191.9921
 03-May-20191.8968
 19-Apr-20191.8838

Contact Information

AMC: SBI Funds Management Ltd

Address: 9th Floor-Crescenzo, C-38 & 39- G Block, Bandra-Kurla Complex, Bandra (East) Mumbai - 400051

Phone: 022-61793000 / 1800-425-5425

Fax: 022-22189663

Email: [email protected]

Website: http://www.sbimf.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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