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4 star

Tata 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 1.45 0.01 0.06 0.28 0.84 1.60 3.31 5.57 6.14 6.82 --
CCIL T Bill Liquidity Weight 0.86 0.02 0.05 0.20 0.51 0.97 2.16 3.59 3.79 4.24 --
Debt: Liquid 1.47 0.01 0.06 0.28 0.84 1.62 3.29 5.35 5.98 6.70 --
Rank within category 22 17 21 23 17 24 16 10 10 11 --
Number of funds in category 38 39 39 39 38 38 38 35 33 33 1

As on 14-Jun-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Tata Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 3.31 5.57 6.14 0.22 10,256
ICICI Prudential Liquid Fund - Direct Plan  | Invest Now
4 star
Jan-13 3.34 5.55 6.11 0.20 36,601
Aditya Birla Sun Life Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 3.37 5.61 6.16 0.21 30,047
Nippon India Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 3.33 5.60 6.16 0.18 20,049
LIC MF Liquid Fund - Direct Plan  | Invest Online
4 star
Jan-13 3.37 5.57 6.14 0.11 7,864

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 0.61 24-Mar-2020 - 31-Mar-2020 -0.23 17-Mar-2020 - 24-Mar-2020
Month 1.01 24-Mar-2020 - 23-Apr-2020 0.11 23-Feb-2020 - 24-Mar-2020
Quarter 2.73 24-Jul-2013 - 23-Oct-2013 0.74 20-Oct-2020 - 19-Jan-2021
Year 9.96 24-Jul-2013 - 24-Jul-2014 3.30 26-May-2020 - 26-May-2021

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 5.50 0.52 2.31 4.32 1.12 2.06
CCIL T Bill Liquidity Weight 3.52 0.39 -2.00 -4.76 -- --
Debt: Liquid 5.28 0.67 2.07 4.23 1.06 1.81
Rank within category 10 26 13 15 32 7
Number of funds in category 35 35 35 34 35 35

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

As on 31-May-2021

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 46 60 37 38
Modified Duration (yrs) 0.11 0.15 0.06 0.09
Average Maturity (yrs) 0.11 0.15 0.06 0.09
Yield to Maturity (%) 3.54 3.56 2.91 3.41
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
down Reserve Bank of India 91-D 08/07/2021 Treasury Bills SOV 0.00 - 22.29 10.64
down Axis Bank 2021 Certificate of Deposit A1+ 0.00 - 5.83 5.83
equal Bajaj Housing Finance 91-D 29/07/2021 Commercial Paper A1+ 0.00 - 4.85 4.85
new Indus Towers (Merged) 91-D 02/08/2021 Commercial Paper A1+ 0.00 - 4.85 4.85
new Reserve Bank of India 91-D 19/08/2021 Treasury Bills SOV 0.00 - 4.84 4.84
equal Chennai Petroleum Corporation 92-D 18/06/2021 Commercial Paper A1+ 0.00 - 4.62 4.62
down National Bank Agr. Rur. Devp 91-D 12/07/2021 Commercial Paper A1+ 0.00 - 4.61 4.61
equal SIDBI 90-D 28/06/2021 Commercial Paper A1+ 0.00 - 3.89 3.89
equal Adani Ports and Special Economic Zone 79-D 25/06/2021 Commercial Paper A1+ 0.00 - 2.92 2.92
new NLC India 28-D 02/06/2021 Commercial Paper A1+ 0.00 - 2.44 2.44
equal Reliance Jio Infocomm 91-D 19/07/2021 Commercial Paper A1+ 0.00 - 2.43 2.43
equal HDFC 90-D 16/06/2021 Commercial Paper A1+ 0.00 - 2.43 2.43
equal Reliance Jio Infocomm 91-D 15/07/2021 Commercial Paper A1+ 0.00 - 2.43 2.43
equal Reliance Industries 85-D 29/06/2021 Commercial Paper A1+ 0.00 - 2.43 2.43
equal HDFC Securities 90-D 27/07/2021 Commercial Paper A1+ 0.00 - 2.42 2.42
new HDFC 89-D 02/08/2021 Commercial Paper A1+ 0.00 - 2.42 2.42
new Reserve Bank of India 91-D 29/07/2021 Treasury Bills SOV 0.00 - 2.42 2.42
new Sundaram Finance 91-D 09/08/2021 Commercial Paper A1+ 0.00 - 2.42 2.42
equal Adani Ports and Special Economic Zone 78-D 24/06/2021 Commercial Paper A1+ 0.00 - 1.95 1.95
equal Cholamandalam Investment & Finance Company 348-D 15/06/2021 Commercial Paper A1+ 0.00 - 1.95 1.95
new HDFC Securities 90-D 12/08/2021 Commercial Paper A1+ 0.00 - 1.94 1.94
equal Birla Group Holdings 90-D 03/06/2021 Commercial Paper A1+ 0.00 - 1.71 1.71
equal Birla Group Holdings 91-D 14/06/2021 Commercial Paper A1+ 0.00 - 1.70 1.70
equal Cholamandalam Investment & Finance Company 25/06/2021 Commercial Paper A1+ 0.00 - 1.46 1.46
equal Reliance Industries Ltd - Partly Paid Equity 86-D 30/06/2021 Commercial Paper A1+ 0.00 - 1.46 1.46

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-May-2021

Fund Manager

— Amit Somani since 16-Oct-2013

Education: Mr.Somani is a B.Com, PGDBM and CFA.

Experience: Prior to joining Tata Asset Management Ltd in 2010 he has worked with Fidelity Investments Netscribes Pvt. ltd, SPA Capital and Khandwala Securities.

Funds Managed:

— Abhishek Sonthalia since 06-Feb-2020

Education: Mr. Sonthalia has done B. Com, Management Programme from NITIE and CFA Charter holder.

Experience: Prior to joining Tata Mutual Fund, he has worked with CRISIL Ltd. and TCS.

Funds Managed:


0.01%

Change from previous, NAV as on 14-Jun-2021

Growth: ₹ 3,269.2429

IDCW Daily: ₹ 1,001.5187


Investment Strategy

The scheme seeks to generate reasonable returns with high liquidity to the unit holders

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
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: Tata Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 7.27%
Benchmark: CRISIL Liquid TRI
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 10,256 Cr (As on 31-May-2021)
Expense: 0.22% (As on 30-Apr-2021)
Risk Grade: --
Return Grade: Above Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily14-Jun-20210.0876

 13-Jun-20210.0886
 12-Jun-20210.0885
 11-Jun-20210.0888
 10-Jun-20210.0921
 09-Jun-20210.1005
 08-Jun-20210.0912
 07-Jun-20210.0911
 06-Jun-20210.0885
 05-Jun-20210.0886
 04-Jun-20210.0918
 03-Jun-20210.0985
 02-Jun-20210.0896
 01-Jun-20210.0838
 31-May-20210.0877
 30-May-20210.0907
 29-May-20210.0909
 28-May-20210.1031
 27-May-20210.1065
 26-May-20210.0848
 25-May-20210.0913
 24-May-20210.0739
 23-May-20210.0889
 22-May-20210.0889
 21-May-20210.0928

Contact Information

AMC: Tata Asset Management Private Ltd

Address: 9th Floor, Mafatlal Centre, Nariman Point, Mumbai - 400021

Phone: 1800-209-0101

Email: [email protected]

Website: http://www.tatamutualfund.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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