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3 star

Kotak Liquid - Regular 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 2.98 0.01 0.06 0.33 0.80 1.63 3.19 4.69 5.59 6.29 7.20
CCIL T Bill Liquidity Weight 1.87 -0.01 0.04 0.16 0.43 1.05 2.00 3.20 3.53 3.98 4.47
Debt: Liquid 2.96 0.01 0.06 0.31 0.79 1.60 3.17 4.61 5.48 6.18 7.09
Rank within category 27 5 21 11 25 23 28 24 24 22 19
Number of funds in category 41 42 42 42 42 42 41 38 35 34 33

As on 06-Dec-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Kotak Liquid - Regular Plan  | Invest Online
3 star
Nov-03 3.19 4.69 5.59 0.32% 31,850
ICICI Prudential Liquid Fund  | Invest Now
4 star
Nov-05 3.19 4.78 5.65 0.32% 37,504
Nippon India Liquid Fund  | Invest Online
4 star
Dec-03 3.19 4.81 5.68 0.32% 27,208
Aditya Birla Sun Life Liquid Fund  | Invest Online
4 star
Mar-04 3.23 4.82 5.69 0.32% 27,111
Axis Liquid Fund
4 star
Oct-09 3.25 4.81 5.70 0.26% 26,451

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 0.54 24-Mar-2020 - 31-Mar-2020 -0.26 17-Mar-2020 - 24-Mar-2020
Month 0.96 08-Aug-2013 - 09-Sep-2013 0.07 23-Feb-2020 - 24-Mar-2020
Quarter 2.72 24-Jul-2013 - 23-Oct-2013 0.71 22-Oct-2020 - 21-Jan-2021
Year 9.88 12-Aug-2011 - 13-Aug-2012 3.12 29-Oct-2020 - 29-Oct-2021

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 4.62 0.47 1.78 9.69 0.99 1.43
CCIL T Bill Liquidity Weight 3.18 0.40 -1.54 -4.30 -- --
Debt: Liquid 4.54 0.47 1.58 9.47 0.97 1.34
Rank within category 25 14 21 24 16 25
Number of funds in category 38 38 38 38 38 38

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 64 72 52 38
Modified Duration (yrs) 0.08 0.12 0.07 --
Average Maturity (yrs) 0.08 0.13 0.07 --
Yield to Maturity (%) 3.62 3.62 2.93 --
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 16/12/2021 Treasury Bills SOV 0.00 - 8.71 7.84
new Indian Oil Corporation 39-D 17/12/2021 Commercial Paper A1+ 0.00 - 3.92 3.92
equal Reserve Bank of India 364-D 02/12/2021 Treasury Bills SOV 0.00 - 4.19 3.77
equal National Bank Agr. Rur. Devp 90-D 12/01/2022 Commercial Paper A1+ 0.00 - 4.17 3.75
new HDFC 336-D 24/02/2022 Commercial Paper A1+ 0.00 - 3.11 3.11
new Reserve Bank of India 91-D 24/02/2022 Treasury Bills SOV 0.00 - 3.11 3.11
equal Reliance Retail Ventures 91-D 13/12/2021 Commercial Paper A1+ 0.00 - 2.61 2.35
equal Reserve Bank of India 182-D 02/12/2021 Treasury Bills SOV 0.00 - 2.62 2.35
new Reliance Industries 91-D 09/02/2022 Commercial Paper A1+ 0.00 - 2.34 2.34
new HDFC 73-D 24/01/2022 Commercial Paper A1+ 0.00 - 2.34 2.34
equal Reliance Jio Infocomm 91-D 17/01/2022 Commercial Paper A1+ 0.00 - 2.60 2.34
new Indian Oil Corporation 22-D 02/12/2021 Commercial Paper A1+ 0.00 - 2.20 2.20
equal Reserve Bank of India 91-D 13/01/2022 Treasury Bills SOV 0.00 - 2.10 1.89
new Reserve Bank of India 91-D 09/12/2021 Treasury Bills SOV 0.00 - 1.74 1.74
equal MRPL 90-D 13/12/2021 Commercial Paper A1+ 0.00 - 1.74 1.57
equal Tata Steel 60-D 21/12/2021 Commercial Paper A1+ 0.00 - 1.74 1.57
new Reserve Bank of India 91-D 02/02/2022 Treasury Bills SOV 0.00 - 1.56 1.56
new Tata Power Company 89-D 15/02/2022 Commercial Paper A1+ 0.00 - 1.56 1.56
new Adani Ports and Special Economic Zone 91-D 15/02/2022 Commercial Paper A1+ 0.00 - 1.56 1.56
equal Reliance Industries 91-D 11/01/2022 Commercial Paper A1+ 0.00 - 1.74 1.56
new HDFC 80-D 31/01/2022 Commercial Paper A1+ 0.00 - 1.56 1.56
up 6.22% HDFC 2021 Debenture AAA 0.00 - 1.49 1.49
equal Reliance Jio Infocomm 91-D 13/01/2022 Commercial Paper A1+ 0.00 - 1.65 1.49
new SAIL 35-D 29/12/2021 Commercial Paper A1+ 0.00 - 1.02 1.02
new Muthoot Finance 91-D 23/02/2022 Commercial Paper A1+ 0.00 - 1.01 1.01

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 30-Nov-2021

*As on 31-Oct-2021

Fund Manager

— Deepak Agrawal since 11-Jul-2007

Education: Mr. Agrawal is Post Graduate in Commerce from Mumbai University, Chartered Accountant, Company Secretary and CFA.

Experience: He has been associated with Kotak AMC since 2000.

Funds Managed:


0.01%

Change from previous, NAV as on 07-Dec-2021

Growth: ₹ 4,232.7938

IDCW Daily: ₹ 1,222.8100


Investment Strategy

The scheme seeks to provide a high level of liquidity along with reasonable returns through investments in money and other short-term debt instruments.

Investment Details

Minimum Investment (₹) 500
Minimum Addl Investment (₹) 500
Minimum SIP Investment (₹) 1,000
Minimum No of Cheques 6
Minimum Withdrawal (₹) --
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: Kotak Mahindra Mutual Fund
Launch Date: 04-Nov-2003
Return Since Launch: 6.98%
Benchmark: NIFTY Liquid Fund Index
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 31,850 Cr (As on 30-Nov-2021)
Expense: 0.32% (As on 31-Oct-2021)
Risk Grade: --
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily06-Dec-20210.1114

 05-Dec-20210.2221
 03-Dec-20210.1115
 02-Dec-20210.1073
 01-Dec-20210.1082
 30-Nov-20210.1159
 29-Nov-20210.1113
 28-Nov-20210.2156
 26-Nov-20210.1104
 25-Nov-20210.1157
 24-Nov-20210.1538
 23-Nov-20210.1142
 22-Nov-20210.0805
 21-Nov-20210.3419
 18-Nov-20210.1162
 17-Nov-20210.1218
 16-Nov-20210.1112
 15-Nov-20210.1207
 14-Nov-20210.2177
 12-Nov-20210.1437
 11-Nov-20210.1233
 10-Nov-20210.1191
 09-Nov-20210.1516
 08-Nov-20210.2196
 07-Nov-20210.5166
IDCW Weekly14-Sep-20210.5559

 07-Sep-20210.5815
 31-Aug-20210.6298
 24-Aug-20210.5467
 18-Aug-20210.8017
 10-Aug-20210.6144
 03-Aug-20210.6137
 27-Jul-20210.6611
 20-Jul-20210.6372
 13-Jul-20210.6279
 06-Jul-20210.6138
 29-Jun-20210.6530
 22-Jun-20210.5985
 15-Jun-20210.6137
 08-Jun-20210.6051
 01-Jun-20210.6387
 25-May-20210.5938
 18-May-20210.6084
 11-May-20210.5294
 04-May-20210.5590
 27-Apr-20210.6366
 20-Apr-20210.5771
 14-Apr-20210.5959
 06-Apr-20210.5412
 31-Mar-20210.8362

Contact Information

AMC: Kotak Mahindra Asset Management Company Ltd

Address: 27 BKC, C-27, G Block, Bandra Kurla Complex, Bandra (E) Mumbai - 400051

Phone: 022-61152100 / 1800-22-2626

Fax: 022-66384455

Email: [email protected]

Website: https://www.kotakmf.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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