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4 star

Union Liquid Fund - Direct Plan download report


Debt: Liquid

1 Lakh

Investment Grown to
₹ 1.04 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
Union Liquid Direct-G 2.61 0.02 0.11 0.42 1.23 2.12 3.89 4.15 4.60 5.37 --
CCIL T Bill Liquidity Weight 1.26 0.01 0.04 0.24 0.72 0.96 1.99 2.58 3.26 3.62 --
Debt: Liquid 2.58 0.02 0.10 0.42 1.22 2.10 3.86 4.05 5.30 5.90 --
Rank within category 14 24 14 22 20 12 15 9 32 30 --
Number of funds in category 37 37 37 37 37 37 37 36 32 31 1

As on 18-Aug-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Union Liquid Fund - Direct Plan
4 star
Jan-13 3.89 4.15 4.60 0.07 1,120
Aditya Birla Sun Life Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 3.91 4.17 5.42 0.21 32,891
Baroda BNP Paribas Liquid Fund - Direct Plan
5 star
Jan-13 3.95 4.15 5.40 0.19 6,654
LIC MF Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 3.86 4.16 5.38 0.17 5,293
Mirae Asset Cash Management Fund - Direct Plan  | Invest Online
4 star
Jan-13 3.89 4.13 5.37 0.17 4,462

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 0.65 24-Mar-2020 - 31-Mar-2020 -3.26 13-Sep-2018 - 20-Sep-2018
Month 1.05 24-Mar-2020 - 23-Apr-2020 -2.84 04-Sep-2018 - 04-Oct-2018
Quarter 2.68 24-Jul-2013 - 23-Oct-2013 -1.68 03-Sep-2018 - 03-Dec-2018
Year 9.82 26-Jul-2013 - 27-Jul-2014 3.30 26-Oct-2020 - 26-Oct-2021

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Union Liquid Direct-G 4.08 0.32 1.85 8.50 0.74 1.26
CCIL T Bill Liquidity Weight 2.60 0.34 -2.61 -4.87 -- --
Debt: Liquid 3.99 0.29 1.68 6.51 0.63 1.07
Rank within category 10 31 13 6 31 8
Number of funds in category 36 36 36 36 36 36

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-Jul-2022

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 30 32 14 51
Modified Duration (yrs) 0.09 0.13 0.02 0.09
Average Maturity (yrs) 0.09 0.14 0.03 0.10
Yield to Maturity (%) 5.63 5.63 3.18 5.62
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
up HDFC Bank 26/09/2022 Certificate of Deposit A1+ 0.00 - 6.64 6.64
up Axis Bank 20/09/2022 Certificate of Deposit A1+ 0.00 - 6.20 6.20
new Indian Bank 2022 Certificate of Deposit A1+ 0.00 - 6.16 6.16
new Redington India 32-D 29/08/2022 Commercial Paper A1+ 0.00 - 4.44 4.44
equal Bajaj Finance 91-D 30/08/2022 Commercial Paper A1+ 0.00 - 4.87 4.44
equal Reserve Bank of India 91-D 01/09/2022 Treasury Bills SOV 0.00 - 4.49 4.44
equal Reserve Bank of India 91-D 22/09/2022 Treasury Bills SOV 0.00 - 4.48 4.43
equal NTPC 91-D 13/09/2022 Commercial Paper A1+ 0.00 - 4.49 4.43
equal HDFC 150-D 16/09/2022 Commercial Paper A1+ 0.00 - 4.48 4.43
up National Bank Agr. Rur. Devp 175-D 30/08/2022 Commercial Paper A1+ 0.00 - 4.00 4.00
equal Export-Import Bank 14/09/2022 Certificate of Deposit A1+ 0.00 - 4.04 3.99
equal Kotak Mahindra Prime 313-D 05/09/2022 Commercial Paper A1+ 0.00 - 4.04 3.99
equal Godrej Agrovet 90-D 15/09/2022 Commercial Paper A1+ 0.00 - 4.03 3.99
equal Reliance Jio Infocomm 180-D 26/09/2022 Commercial Paper A1+ 0.00 - 4.03 3.98
equal Canara Bank 14/09/2022 Certificate of Deposit A1+ 0.00 - 3.14 3.10
up Reserve Bank of India 91-D 18/08/2022 Treasury Bills SOV 0.00 - 2.58 2.58
new LIC Housing Fin. 364-D 12/08/2022 Commercial Paper A1+ 0.00 - 2.23 2.23
new Export-Import Bank 2022 Certificate of Deposit A1+ 0.00 - 2.23 2.23
equal HDFC Bank 17/08/2022 Certificate of Deposit A1+ 0.00 - 2.25 2.23
new Indian Bank 2022 Certificate of Deposit A1+ 0.00 - 2.23 2.23
new Axis Bank 2022 Certificate of Deposit A1+ 0.00 - 2.23 2.23
equal Canara Bank 22/08/2022 Certificate of Deposit A1+ 0.00 - 2.25 2.22
new Reserve Bank of India 182-D 15/09/2022 Treasury Bills SOV 0.00 - 2.22 2.22
equal Reserve Bank of India 91-D 08/09/2022 Treasury Bills SOV 0.00 - 2.25 2.22
equal Reserve Bank of India 91-D 25/08/2022 Treasury Bills SOV 0.00 - 2.44 2.22

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-Jul-2022

Fund Manager

— Devesh Thacker since 01-Jan-2013

Education: Mr. Thacker is a B.Com (H) and Post graduate from University of Pune.

Experience: Prior to joining Union AMC in 2011 he has worked with Sahara AMC.

Funds Managed:

— Parijat Agrawal since 18-Jun-2021

Education: Mr. Agrawal is a B.Tech and MBA from IIM Bangalore.

Experience: Prior to joining Union Mutual Fund, he has worked with SBI Mutual Fund, State Bank of Mauritius ltd. and SUN F&C Asset Management.

Funds Managed:


0.02%

Change from previous, NAV as on 18-Aug-2022

Growth: ₹ 2,085.7410

IDCW Weekly: ₹ 1,000.7740

More

IDCW Monthly: ₹ 1,004.0675

IDCW Fortnightly: ₹ 1,001.7343

IDCW Daily: ₹ 1,000.7927


Investment Strategy

The scheme seeks to provide reasonable returns commensurate with lower risk and high level of liquidity through a portfolio of money market and debt securities.

Investment Details

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 2,000
Min. No of Cheques 6
Min. Withdrawal (₹) 1,000
Min. 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: Union Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 6.37%
Benchmark: CRISIL Liquid Fund BI Index
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 1,120 Cr (As on 31-Jul-2022)
Expense Ratio: 0.07% (As on 31-Jul-2022)
Risk Grade: --
Return Grade: Above Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily17-Aug-20220.1691

 16-Aug-20220.1497
 15-Aug-20220.1495
 14-Aug-20220.1496
 13-Aug-20220.1496
 12-Aug-20220.1271
 11-Aug-20220.1772
 10-Aug-20220.1482
 09-Aug-20220.1483
 08-Aug-20220.1451
 07-Aug-20220.1478
 06-Aug-20220.1477
 05-Aug-20220.1128
 04-Aug-20220.1426
 03-Aug-20220.1439
 02-Aug-20220.1947
 01-Aug-20220.2189
 31-Jul-20220.1516
 30-Jul-20220.1514
 29-Jul-20220.1345
 28-Jul-20220.1313
 27-Jul-20220.0370
 26-Jul-20220.0526
 25-Jul-20220.1261
 24-Jul-20220.1438
IDCW Fortnightly11-Aug-20222.3378

 26-Jul-20221.6176
 12-Jul-20222.0280
 28-Jun-20222.1558
 11-Jun-20222.0374
 26-May-20221.5701
 13-May-20221.3688
 26-Apr-20221.4392
 12-Apr-20221.8462
 26-Mar-20221.5682
 11-Mar-20221.2449
 26-Feb-20221.4578
 11-Feb-20221.5990
 26-Jan-20221.4302
 11-Jan-20221.3891
 28-Dec-20211.6253
 11-Dec-20211.3946
 26-Nov-20211.4140
 11-Nov-20211.6267
 26-Oct-20211.1768
 12-Oct-20211.2841
 28-Sep-20211.2177
 14-Sep-20211.6280
 26-Aug-20211.4305
 11-Aug-20211.3793
IDCW Weekly09-Aug-20220.9941

 02-Aug-20221.0205
 26-Jul-20220.7033
 19-Jul-20220.9187
 12-Jul-20220.9401
 05-Jul-20221.0898
 28-Jun-20220.9602
 21-Jun-20220.8378
 14-Jun-20220.9966
 07-Jun-20220.7955
 31-May-20220.8581
 24-May-20220.7370
 18-May-20220.9554
 10-May-20220.3183
 03-May-20220.6935
 26-Apr-20220.6848
 19-Apr-20220.7470
 12-Apr-20220.6070
 05-Apr-20220.9492
 29-Mar-20220.7012
 22-Mar-20220.7209
 15-Mar-20220.7552
 08-Mar-20220.6384
 01-Mar-20220.6932
 22-Feb-20220.6461
IDCW Monthly26-Jul-20223.6492

 28-Jun-20224.1962
 26-May-20222.9398
 26-Apr-20223.2844
 26-Mar-20222.8164
 26-Feb-20223.0574
 26-Jan-20222.8184
 28-Dec-20213.0182
 26-Nov-20213.0406
 26-Oct-20212.4603
 28-Sep-20212.8450
 26-Aug-20212.8100
 27-Jul-20212.9212
 26-Jun-20212.8515
 26-May-20212.5426
 27-Apr-20212.9477
 26-Mar-20212.5740
 26-Feb-20212.9016
 26-Jan-20212.2512
 29-Dec-20202.6435
 26-Nov-20202.6669
 27-Oct-20202.9284
 26-Sep-20202.6806
 26-Aug-20202.7408
 28-Jul-20202.7854

Contact Information

AMC: Union Asset Management Company Pvt.Ltd.

Address: Unit 503, 5th Floor, Leela Business Park, Andheri Kurla Road, Andheri (East) Mumbai - 400059

Phone: (022) 6748 3300

Fax: 022-67483400/3401/3402

Email: [email protected]

Website: http://www.unionmf.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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