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Tata Liquid Fund - Direct Plan

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Debt: Liquid

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1 Lakh

Investment Grown to
₹ 1.05 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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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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(₹)
cal
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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 4.18 0.01 0.04 0.25 0.81 1.70 4.59 6.28 6.67 7.30 --
CCIL T Bill Liquidity Weight 2.96 -0.02 0.00 0.20 0.56 1.16 3.17 3.87 4.09 4.52 --
Debt: Liquid 3.91 0.01 0.04 0.25 0.80 1.67 4.31 6.04 6.50 7.16 --
Rank within category 3 35 33 12 8 10 4 9 9 8 --
Number of funds in category 38 38 38 38 38 38 38 34 33 33 1

As on 03-Dec-2020

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 4.59 6.28 6.67 0.21 15,958
ICICI Prudential Liquid Fund - Direct Plan  | Invest Now
4 star
 Jan-13 4.55 6.25 6.64 0.20 40,247
Aditya Birla Sun Life Liquid Fund - Direct Plan  | Invest Online
5 star
 Jan-13 4.56 6.31 6.71 0.21 34,021
Axis Liquid Fund - Direct Plan
4 star
 Jan-13 4.50 6.26 6.67 0.18 26,509
Nippon India Liquid Fund - Direct Plan  | Invest Online
4 star
 Jan-13 4.52 6.30 6.70 0.20 26,077

Best & Worst Performance

Best (Period) Worst (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) 0.82 (26-Jun-2020 - 25-Sep-2020)
Year 9.96 (24-Jul-2013 - 24-Jul-2014) 4.64 (28-Nov-2019 - 27-Nov-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 6.13 0.43 2.90 4.23 0.93 2.23
CCIL T Bill Liquidity Weight 3.83 0.33 -3.20 -6.41 -- --
Debt: Liquid 5.91 0.61 2.53 3.81 0.93 2.00
Rank within category 9 15 9 7 30 7
Number of funds in category 34 34 34 33 34 34

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

As on 30-Nov-2020

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 60 75 53 38
Modified Duration (yrs) 0.10 0.14 0.09 --
Average Maturity (yrs) 0.10 0.14 0.09 --
Yield to Maturity (%) 3.33 5.67 3.33 --
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
new 7.00% GOI 21/01/2021 GOI Securities SOV 0.00 - 7.77 7.77
new Reserve Bank of India 91-D 17/12/2020 Treasury Bills SOV 0.00 - 5.46 5.46
up Reserve Bank of India 182-D 24/12/2020 Treasury Bills SOV 0.00 - 5.30 5.30
up Reliance Industries 91-D 02/11/2020 Commercial Paper A1+ 0.00 - 4.70 4.70
equal NTPC 88-D 27/11/2020 Commercial Paper A1+ 0.00 - 4.80 4.69
equal Larsen & Toubro 91-D 18/11/2020 Commercial Paper A1+ 0.00 - 4.58 4.47
up 8.12% GOI 2020 Central Government Loan SOV 0.00 - 4.12 4.03
up Reserve Bank of India 182-D 03/12/2020 Treasury Bills SOV 0.00 - 3.37 3.37
equal Reserve Bank of India 182-D 12/11/2020 Treasury Bills SOV 0.00 - 3.20 3.13
equal Export-Import Bank 88-D 13/11/2020 Commercial Paper A1+ 0.00 - 3.20 3.13
new HDFC 87-D 22/01/2021 Commercial Paper A1+ 0.00 - 3.11 3.11
equal NTPC 91-D 09/12/2020 Commercial Paper A1+ 0.00 - 2.87 2.81
equal SAIL 87-D 13/11/2020 Commercial Paper A1+ 0.00 - 2.62 2.50
equal Reliance Retail Ventures 85-D 20/11/2020 Commercial Paper A1+ 0.00 - 2.56 2.50
equal L&T Finance 59-D 27/11/2020 Commercial Paper A1+ 0.00 - 2.56 2.50
equal HDFC 91-D 09/11/2020 Commercial Paper A1+ 0.00 - 3.15 2.19
new Reserve Bank of India 91-D 07/01/2021 Treasury Bills SOV 0.00 - 2.18 2.18
new Reserve Bank of India 91-D 14/01/2021 Treasury Bills SOV 0.00 - 1.92 1.92
equal Indian Oil Corp. 77-D 23/11/2020 Commercial Paper A1+ 0.00 - 1.92 1.88
equal Birla Group Holdings 89-D 30/11/2020 Commercial Paper A1+ 0.00 - 1.91 1.87
equal Reserve Bank of India 182-D 19/11/2020 Treasury Bills SOV 0.00 - 3.02 1.75
down Reserve Bank of India 182-D 06/11/2020 Treasury Bills SOV 0.00 - 3.20 1.60
equal Titan Company 91-D 17/11/2020 Commercial Paper A1+ 0.00 - 1.60 1.56
equal Kotak Mahindra Prime 344-D 27/11/2020 Commercial Paper A1+ 0.00 - 1.60 1.56
down Bajaj Finance 91-D 07/12/2020 Commercial Paper A1+ 0.00 - 1.92 1.41

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-2020

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:

Invest Online
0.01%

Change from previous, NAV as on 03-Dec-2020

Growth: ₹ 3,214.8553

Dividend 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 (₹) --
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: 7.55%
Benchmark: CRISIL Liquid TRI
Riskometer: Low
Type: Open-ended
Assets: ₹ 15,958 Cr (As on 31-Oct-2020)
Expense: 0.21% (As on 31-Oct-2020)
Risk Grade: --
Return Grade: Above Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Daily01-Dec-20200.0066

 30-Nov-20200.0740
 29-Nov-20200.0775
 28-Nov-20200.0774
 27-Nov-20200.0801
 26-Nov-20200.1274
 25-Nov-20200.1255
 24-Nov-20200.0743
 23-Nov-20200.0516
 22-Nov-20200.0748
 21-Nov-20200.0748
 20-Nov-20200.0639
 19-Nov-20200.1376
 18-Nov-20200.1445
 17-Nov-20200.0786
 16-Nov-20200.0793
 15-Nov-20200.0794
 14-Nov-20200.0794
 13-Nov-20200.1048
 12-Nov-20200.1461
 11-Nov-20200.0901
 10-Nov-20200.0821
 09-Nov-20200.0791
 08-Nov-20200.0814
 07-Nov-20200.0815

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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