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Franklin India Liquid Fund - Direct Plan

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Debt: Liquid

1 Lakh

Investment Grown to
₹ 1.07 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.24 Lakh

Analyst's Choice?

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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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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(₹)
cal
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 0.39 0.01 0.11 0.45 1.41 3.01 6.78 7.05 7.47 8.00 --
CCIL T Bill Liquidity Weight 0.25 0.01 0.06 0.25 0.81 1.86 4.14 4.14 4.47 4.78 --
Debt: Liquid 0.37 0.01 0.10 0.42 1.31 2.79 6.39 6.67 7.17 7.76 --
Rank within category 2 5 2 2 2 2 2 2 2 2 --
Number of funds in category 39 39 39 39 39 39 38 35 34 33 1

As on 27-Jan-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 0.32 (21-Mar-2014 - 28-Mar-2014) -0.02 (09-Jul-2013 - 16-Jul-2013)
Month 0.97 (08-Aug-2013 - 09-Sep-2013) 0.43 (19-Dec-2019 - 18-Jan-2020)
Quarter 2.66 (24-Jul-2013 - 23-Oct-2013) 1.39 (25-Oct-2019 - 24-Jan-2020)
Year 9.91 (26-Jul-2013 - 27-Jul-2014) 6.76 (27-Nov-2016 - 27-Nov-2017)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 6.87 0.19 6.11 11.21 0.29 1.62
CCIL T Bill Liquidity Weight 4.08 0.26 -6.21 -10.52 -- --
Debt: Liquid 6.52 0.51 4.47 7.34 0.52 1.65
Rank within category 2 4 2 2 7 12
Number of funds in category 35 35 35 33 35 35

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

As on 31-Dec-2019

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 59 76 49 53
Modified Duration (yrs) 0.08 0.18 0.04 0.10
Average Maturity (yrs) 0.09 0.19 0.05 0.10
Yield to Maturity (%) 5.72 7.43 5.56 5.26

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
new Reliance Jio Infocomm 90-D 26/03/2020 Commercial Paper A1+ 0.00 - 4.93 4.93
up 6.35% GOI 21/01/2020 GOI Securities SOV 0.00 - 4.51 4.51
new Aditya Birla Finance 75-D 03/03/2020 Commercial Paper A1+ 0.00 - 3.95 3.95
equal REC 274-D 07/02/2020 Commercial Paper A1+ 0.00 - 3.77 3.77
new Reliance Retail Ltd. 76-D 02/01/2020 Commercial Paper A1+ 0.00 - 2.39 2.39
equal Reliance Jio Infocomm 88-D 31/01/2020 Commercial Paper A1+ 0.00 - 2.38 2.38
equal Reliance Jio Infocomm 91-D 10/02/2020 Commercial Paper A1+ 0.00 - 2.38 2.38
equal Adani Ports and Special Economic Zone 90-D 12/02/2020 Commercial Paper A1+ 0.00 - 2.38 2.38
equal Tata Power 89-D 15/01/2020 Commercial Paper A1+ 0.00 - 2.06 1.99
equal Reliance Retail Ltd. 77-D 24/01/2020 Commercial Paper A1+ 0.00 - 1.99 1.99
equal Reliance Retail Ltd. 91-D 03/02/2020 Commercial Paper A1+ 0.00 - 1.99 1.99
new Reliance Jio Infocomm 91-D 28/02/2020 Commercial Paper A1+ 0.00 - 1.98 1.98
new PNB Housing Finance 82-D 24/02/2020 Commercial Paper A1+ 0.00 - 1.97 1.97
new PNB Housing Finance 86-D 28/02/2020 Commercial Paper A1+ 0.00 - 1.97 1.97
new Birla Group Holdings 88-D 02/03/2020 Commercial Paper A1+ 0.00 - 1.97 1.97
new Birla Group Holdings 90-D 04/03/2020 Commercial Paper A1+ 0.00 - 1.97 1.97
new Reliance Retail Ltd. 90-D 23/01/2020 Commercial Paper A1+ 0.00 - 1.83 1.83
up BHEL 88-D 10/01/2020 Commercial Paper A1+ 0.00 - 1.59 1.59
equal L&T Housing Finance 364-D 14/01/2020 Commercial Paper A1+ 0.00 - 1.65 1.59
equal Adani Ports and Special Economic Zone 86-D 14/02/2020 Commercial Paper A1+ 0.00 - 1.59 1.59
new Kotak Securities 78-D 20/02/2020 Commercial Paper A1+ 0.00 - 1.58 1.58
new Adani Ports and Special Economic Zone 90-D 23/03/2020 Commercial Paper A1+ 0.00 - 1.58 1.58
equal HDFC 363-D 13/02/2020 Commercial Paper A1+ 0.00 - 1.35 1.35
equal Reliance Retail Ltd. 60-D 14/01/2020 Commercial Paper A1+ 0.00 - 1.19 1.19
equal Tata Motors Finance 60-D 17/01/2020 Commercial Paper A1+ 0.00 - 1.19 1.19

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-Dec-2019

Fund Manager

— Pallab Roy since 01-Jan-2013

Education: Mr. Roy is a M.Com and MBA (Finance).

Experience: He has been associated with Franklin Templeton Investments since 2001.

Funds Managed:

— Umesh Sharma since 25-Oct-2018

Education: Mr. Sharma is a B.Com (H), CS and CA.

Experience: Prior to joining Franklin Templeton Mutual Fund he has worked with ICICI Bank Ltd., UTI Mutual Fund, Invesco Mutual Fund and JM Financials.

Funds Managed:

Invest Online Now
0.01%

Change from previous, NAV as on 27-Jan-2020

Growth: ₹ 2,949.5478

Dividend Weekly: ₹ 1,021.5418

Dividend Daily: ₹ 1,001.8422

Investment Strategy

The scheme aims to provide current income with high liquidity through 100% investment in debt and money market instruments.

Investment Details

Minimum Investment (₹) 10,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 1,000
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: Franklin Templeton Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 8.01%
Benchmark: CRISIL Liquid
Riskometer: Low
Type: Open-ended
Assets: ₹ 12,529 Cr (As on 31-Dec-2019)
Expense: 0.12% (As on 31-Dec-2019)
Risk Grade: --
Return Grade: High

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Daily27-Jan-20200.1079

 26-Jan-20200.2165
 24-Jan-20200.1088
 23-Jan-20200.1037
 22-Jan-20200.1108
 21-Jan-20200.1129
 20-Jan-20200.1115
 19-Jan-20200.2166
 17-Jan-20200.1080
 16-Jan-20200.1131
 15-Jan-20200.1033
 14-Jan-20200.0911
 13-Jan-20200.0902
 12-Jan-20200.2129
 10-Jan-20200.0770
 09-Jan-20200.1140
 08-Jan-20200.1036
 07-Jan-20200.1033
 06-Jan-20200.0978
 05-Jan-20200.1842
 03-Jan-20200.0902
 02-Jan-20200.1306
 01-Jan-20200.1208
 31-Dec-20190.1063
 30-Dec-20190.1090
Dividend Weekly26-Jan-20200.7794

 19-Jan-20200.7367
 12-Jan-20200.7227
 05-Jan-20200.7560
 29-Dec-20190.7589
 22-Dec-20190.7737
 15-Dec-20190.7987
 08-Dec-20190.7469
 01-Dec-20190.8256
 24-Nov-20190.8276
 17-Nov-20190.8284
 10-Nov-20190.7495
 03-Nov-20190.7493
 28-Oct-20190.8030
 21-Oct-20190.9815
 13-Oct-20190.8540
 06-Oct-20191.0350
 29-Sep-20190.8059
 22-Sep-20190.7682
 15-Sep-20190.8475
 08-Sep-20190.7409
 02-Sep-20190.9688
 25-Aug-20190.8528
 18-Aug-20190.7285
 12-Aug-20191.0685

Contact Information

AMC: Franklin Templeton Asset Management India Private Ltd

Address: Indiabulls Finance Center, Tower 2, 12th and 13th Floor, Senapati Bapat Marg, Elphinstone Road (West) Mumbai - 400013

Phone: 1800-425-4255 / 60004255

Email: [email protected]

Website: www.franklintempletonindia.com

Registrar & Transfer Agent: Franklin Templeton Asset Management (India) Pvt. Ltd.

Address: Unit 301, III Floor, Campus 4B, RMZ Millenia Business Park, 143 Dr. MGR Road, Kandanchavadi Chennai - 600096

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