SBI Liquid Fund - Institutional Plan

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Value Research Rating

Unrated

Analyst’s Choice

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Riskometer

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Moderate

₹3,752.2132 0.02%

As on 23-Feb-2024

Returns

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Calculate SIP Returns of SBI Liquid Fund - Institutional Plan

Upfront Investment

Monthly SIP Amount

Investment Duration

years

Risk info

This fund has Moderate risk.

low
Low to Moderate
Moderate
Moderately High
High
Very High

As per SEBI's Riskometer.

Portfolio of SBI Liquid Fund - Institutional Plan

Asset Allocation

Split between different types of investments

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Credit Rating Weightage

Split between categories of Equity investments

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Peer Comparison

Other details of SBI Liquid Fund - Institutional Plan

Assets info

₹64,615 Cr

Exit Load (Days) info

0.01 (1)

Min. Investment (₹)

50,000

Min. Withdrawal (₹)

10,000

Min. SIP Investment (₹)

--

Min. No of Cheques

--

Investment Strategy

The scheme seeks to provide the investors an opportunity to invest in the entire range of debt and money market securities with residual maturity upto 91 days only.

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."

Taxation

Capital Gains Taxation

  • If investment is made on or after 1 April 2023: Entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • If investment is made before 1 April 2023:
    • Sold within 3 years from the date of investment: Gains are added to the investors' income and taxed according to the applicable slab rate.
    • Sold after 3 years from the date of investment: Gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • No tax is to be paid as long as you continue to hold the units.

Dividend Taxation

  • 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.

Latest news on SBI Liquid Fund - Institutional Plan

FAQ for SBI Liquid Fund - Institutional Plan

SBI Liquid Fund - Institutional Plan is mandated to invest in bonds having a maturity of up to three months.

Mutual funds can be bought directly from the website of the fund house. For instance, SBI Liquid Fund - Institutional Plan fund can be purchased from the website of SBI Mutual Fund. You can also buy mutual funds through platforms like MF Central, MF Utility, among others. However, if you are not comfortable buying mutual funds online, you can seek help of a mutual fund distributor. Most banks also act as mutual fund distributors. So you can connect with your bank for assistance.

The NAV of SBI Liquid Fund - Institutional Plan is ₹3,752.2132 as of 24-Feb-2024.

The AUM of SBI Liquid Fund - Institutional Plan Fund is ₹64,615 Cr as of 31-Jan-2024

The riskometer level of SBI Liquid Fund - Institutional Plan is Moderate. See More

Company Percentage of Portfolio

Canara Bank CD 15/03/2024

5.14

Bank Of Baroda CD 12/03/2024

3.49

Union Bank of India CD 16/02/2024

3.09

Reserve Bank of India T-Bills 91-D 15/02/2024

3.09

Reliance Retail Ventures Ltd CP 91-D 04/03/2024

3.08
See More

As of 31-Jan-2024, SBI Liquid Fund - Institutional Plan had invested 98.26% in Debt and 1.74% in Cash & Cash Eq. See More

SBI Liquid Fund - Institutional Plan is 20 years 3 months old. It has delivered 6.74% returns since inception. See More

1Y
3Y
5Y
7Y
10Y
Since Inception
7.10%
5.20%
5.13%
5.65%
6.41%
6.74%

No, There is no lock in period in SBI Liquid Fund - Institutional Plan.

The expense ratio of SBI Liquid Fund - Institutional Plan is 0.30.

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