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3 star

SBI 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 3.07 0.01 0.07 0.31 0.83 1.71 3.33 4.83 5.68 6.36 --
CCIL T Bill Liquidity Weight 1.85 0.00 0.04 0.19 0.43 1.06 2.01 3.22 3.53 3.99 --
Debt: Liquid 3.06 0.01 0.07 0.30 0.82 1.68 3.32 4.82 5.63 6.33 --
Rank within category 17 12 9 5 8 7 17 20 24 22 --
Number of funds in category 38 39 39 39 39 39 38 35 34 33 1

As on 02-Dec-2021

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 3.33 4.83 5.68 0.18% 49,644
ICICI Prudential Liquid Fund - Direct Plan  | Invest Now
4 star
Jan-13 3.31 4.90 5.74 0.20% 35,561
Aditya Birla Sun Life Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 3.34 4.95 5.80 0.21% 29,710
Nippon India Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 3.34 4.94 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 0.43 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 0.73 22-Oct-2020 - 21-Jan-2021
Year 9.79 24-Jul-2013 - 24-Jul-2014 3.25 02-Jul-2020 - 02-Jul-2021

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 4.74 0.47 2.02 11.83 1.01 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 20 14 19 22 15 21
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 60 73 49 35
Modified Duration (yrs) 0.07 0.15 0.07 --
Average Maturity (yrs) 0.07 0.15 0.07 --
Yield to Maturity (%) 3.61 3.61 2.94 --
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 25/11/2021 Treasury Bills SOV 0.00 - 11.76 11.25
equal Reserve Bank of India 182-D 04/11/2021 Treasury Bills SOV 0.00 - 5.26 5.03
equal HDFC Bank 2021 Certificate of Deposit A1+ 0.00 - 4.20 4.02
new Reserve Bank of India 91-D 27/01/2022 Treasury Bills SOV 0.00 - 3.99 3.99
equal Bharti Airtel 45-D 01/11/2021 Commercial Paper A1+ 0.00 - 3.68 3.53
new Reserve Bank of India 182-D 30/12/2021 Treasury Bills SOV 0.00 - 2.60 2.60
new Bharat Petroleum Corporation 37-D 12/11/2021 Commercial Paper A1+ 0.00 - 2.52 2.52
new Kotak Mahindra Investments 14-D 12/11/2021 Commercial Paper A1+ 0.00 - 2.26 2.26
equal Reserve Bank of India 91-D 19/11/2021 Treasury Bills SOV 0.00 - 2.10 2.01
equal National Bank Agr. Rur. Devp 90-D 22/11/2021 Commercial Paper A1+ 0.00 - 2.10 2.01
new Indian Oil Corporation 37-D 12/11/2021 Commercial Paper A1+ 0.00 - 2.01 2.01
equal Reliance Retail Ventures 91-D 16/11/2021 Commercial Paper A1+ 0.00 - 2.10 2.01
equal BHEL 91-D 20/12/2021 Commercial Paper A1+ 0.00 - 2.09 2.00
equal MRPL 90-D 29/12/2021 Commercial Paper A1+ 0.00 - 2.09 2.00
new National Bank Agr. Rur. Devp 89-D 25/01/2022 Commercial Paper A1+ 0.00 - 2.00 2.00
equal Reliance Retail Ventures 84-D 06/12/2021 Commercial Paper A1+ 0.00 - 1.78 1.71
equal 8.79% GOI 2021 Central Government Loan SOV 0.00 - 1.72 1.63
new Larsen & Toubro 67-D 28/12/2021 Commercial Paper A1+ 0.00 - 1.50 1.50
new Reliance Jio Infocomm 91-D 13/01/2022 Commercial Paper A1+ 0.00 - 1.50 1.50
new Hindustan Petroleum Corporation 63-D 23/12/2021 Commercial Paper A1+ 0.00 - 1.40 1.40
equal Adani Ports and Special Economic Zone 90-D 10/11/2021 Commercial Paper A1+ 0.00 - 1.05 1.01
equal Tata Power Company 89-D 22/11/2021 Commercial Paper A1+ 0.00 - 1.05 1.01
equal Aditya Birla Finance 77-D 15/12/2021 Commercial Paper A1+ 0.00 - 1.05 1.00
new Bajaj Housing Finance 91-D 27/01/2022 Commercial Paper A1+ 0.00 - 1.00 1.00
new NTPC 91-D 31/12/2021 Commercial Paper A1+ 0.00 - 1.00 1.00

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

— 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 02-Dec-2021

Growth: ₹ 3,294.6263

IDCW Weekly: ₹ 1,125.2441

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IDCW Fortnightly: ₹ 1,075.8627

IDCW Daily: ₹ 1,063.1424


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 (₹) 500
Minimum Addl Investment (₹) 500
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum Balance (₹) --
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: SBI Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 6.97%
Benchmark: CRISIL Liquid Fund Index
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 49,644 Cr (As on 31-Oct-2021)
Expense: 0.18% (As on 31-Oct-2021)
Risk Grade: --
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW 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
IDCW 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
IDCW 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]om

Website: www.camsonline.com

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