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Unrated

SBI Liquid Fund - Institutional Plan


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 2.57 0.01 0.05 0.25 0.80 1.61 3.17 4.90 5.67 6.37 7.24
CCIL T Bill Liquidity Weight 1.61 -0.01 -0.03 0.11 0.50 1.06 2.04 3.32 3.61 4.05 4.52
Debt: Liquid 2.55 0.01 0.05 0.25 0.79 1.59 3.14 4.83 5.57 6.27 7.16

As on 21-Oct-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
SBI Liquid Fund - Institutional Plan
Unrated
Nov-03 3.17 4.90 5.67 0.26% 47,363
ICICI Prudential Liquid Fund  | Invest Now
4 star
Nov-05 3.15 4.97 5.74 0.32% 34,592
Aditya Birla Sun Life Liquid Fund  | Invest Online
4 star
Mar-04 3.17 5.01 5.78 0.32% 28,554
Axis Liquid Fund
4 star
Oct-09 3.19 4.99 5.79 0.26% 24,318
Nippon India Liquid Fund  | Invest Online
4 star
Dec-03 3.13 5.00 5.77 0.32% 21,655

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 0.43 24-Mar-2020 - 31-Mar-2020 -0.12 17-Mar-2020 - 24-Mar-2020
Month 0.88 24-Jul-2013 - 23-Aug-2013 0.22 23-Feb-2020 - 24-Mar-2020
Quarter 2.63 24-Jul-2013 - 23-Oct-2013 0.71 22-Oct-2020 - 21-Jan-2021
Year 9.75 04-Sep-2011 - 03-Sep-2012 3.17 02-Jul-2020 - 02-Jul-2021

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 4.88 0.50 1.88 5.52 1.06 1.58
CCIL T Bill Liquidity Weight 3.34 0.40 -1.54 -3.94 -- --
Debt: Liquid 4.76 0.49 1.63 6.49 1.02 1.44

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

As on 30-Sep-2021

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 57 73 48 34
Modified Duration (yrs) 0.09 0.15 0.08 0.09
Average Maturity (yrs) 0.10 0.15 0.08 0.09
Yield to Maturity (%) 3.44 3.46 2.94 3.47
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 25/11/2021 Treasury Bills SOV 0.00 - 11.76 11.76
equal Reserve Bank of India 182-D 04/11/2021 Treasury Bills SOV 0.00 - 5.26 5.26
equal Reserve Bank of India 91-D 28/10/2021 Treasury Bills SOV 0.00 - 4.21 4.21
new HDFC Bank 2021 Certificate of Deposit A1+ 0.00 - 4.20 4.20
new Bharti Airtel 45-D 01/11/2021 Commercial Paper A1+ 0.00 - 3.68 3.68
equal HDFC 21/10/2021 Commercial Paper A1+ 0.00 - 2.11 2.11
equal Reliance Jio Infocomm 91-D 14/10/2021 Commercial Paper A1+ 0.00 - 2.11 2.11
equal Reliance Jio Infocomm 91-D 29/10/2021 Commercial Paper A1+ 0.00 - 2.11 2.11
equal Reserve Bank of India 91-D 21/10/2021 Treasury Bills SOV 0.00 - 2.11 2.11
new Hindustan Petroleum Corporation 49-D 25/10/2021 Commercial Paper A1+ 0.00 - 2.11 2.11
equal National Bank Agr. Rur. Devp 90-D 22/11/2021 Commercial Paper A1+ 0.00 - 2.10 2.10
equal Reliance Retail Ventures 91-D 16/11/2021 Commercial Paper A1+ 0.00 - 2.10 2.10
equal Reserve Bank of India 91-D 19/11/2021 Treasury Bills SOV 0.00 - 2.10 2.10
new MRPL 90-D 29/12/2021 Commercial Paper A1+ 0.00 - 2.09 2.09
new BHEL 91-D 20/12/2021 Commercial Paper A1+ 0.00 - 2.09 2.09
new Reliance Retail Ventures 84-D 06/12/2021 Commercial Paper A1+ 0.00 - 1.78 1.78
up 8.79% GOI 2021 Central Government Loan SOV 0.00 - 1.72 1.72
equal Export-Import Bank 91-D 27/10/2021 Certificate of Deposit A1+ 0.00 - 1.58 1.58
equal Reliance Retail Ventures 91-D 29/10/2021 Commercial Paper A1+ 0.00 - 1.58 1.58
equal Tata Capital Financial Services 91-D 11/10/2021 Commercial Paper A1+ 0.00 - 1.48 1.48
equal Reserve Bank of India 91-D 07/10/2021 Treasury Bills SOV 0.00 - 1.26 1.26
equal Reserve Bank of India 91-D 14/10/2021 Treasury Bills SOV 0.00 - 1.11 1.11
equal NTPC 91-D 11/10/2021 Commercial Paper A1+ 0.00 - 1.05 1.05
equal National Bank Agr. Rur. Devp 90-D 21/10/2021 Commercial Paper A1+ 0.00 - 1.05 1.05
new Aditya Birla Finance 77-D 15/12/2021 Commercial Paper A1+ 0.00 - 1.05 1.05

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-Sep-2021

Fund Manager

— R Arun since 04-May-2018

Education: Mr. Arun is a B.Com (H), PGDM (Finance) and Financial Risk Manager (GARP).

Experience: Prior joining SBI in 2009 he has worked with ING Investment Management, Deutsche Bank India Operations and CRISIL India.

Funds Managed:


0.01%

Change from previous, NAV as on 21-Oct-2021

Growth: ₹ 3,291.2608

IDCW Fortnightly: ₹ 1,081.9438

IDCW Daily: ₹ 1,057.3562


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.

Investment Details

Minimum Investment (₹) 50,000
Minimum Addl Investment (₹) 10,000
Minimum SIP Investment (₹) --
Minimum No of Cheques --
Minimum Withdrawal (₹) 10,000
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: SBI Mutual Fund
Launch Date: 21-Nov-2003
Return Since Launch: 6.87%
Benchmark: CRISIL Liquid Fund Index
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 47,363 Cr (As on 30-Sep-2021)
Expense: 0.26% (As on 31-Mar-2021)
Risk Grade: --
Return Grade: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily30-Mar-20200.2547

 29-Mar-20200.1793
 28-Mar-20200.1092
 27-Mar-20200.1091
 26-Mar-20201.5578
 16-Mar-20200.0704
 15-Mar-20200.0876
 14-Mar-20200.0994
 13-Mar-20200.1009
 12-Mar-20200.0307
 11-Mar-20200.0808
 10-Mar-20200.1160
 09-Mar-20200.1265
 08-Mar-20200.1588
 07-Mar-20200.1273
 06-Mar-20200.1272
 05-Mar-20200.1351
 04-Mar-20200.1484
 03-Mar-20200.1949
 02-Mar-20200.1077
 01-Mar-20200.0921
 29-Feb-20200.1005
 28-Feb-20200.1006
 27-Feb-20200.1088
 26-Feb-20200.0552
IDCW Fortnightly20-Mar-20200.8032

 06-Mar-20201.5888
 21-Feb-20201.4576
 07-Feb-20201.4478
 24-Jan-20201.3464
 10-Jan-20201.4008
 27-Dec-20191.4340
 13-Dec-20191.4123
 29-Nov-20191.5168
 15-Nov-20191.4021
 01-Nov-20191.4597
 18-Oct-20191.6279
 04-Oct-20191.6844
 20-Sep-20191.4976
 06-Sep-20191.5810
 23-Aug-20191.5883
 09-Aug-20191.8619
 26-Jul-20191.7695
 12-Jul-20191.8675
 28-Jun-20191.7937
 14-Jun-20191.8870
 31-May-20192.0039
 17-May-20191.9860
 03-May-20191.8945
 19-Apr-20191.8768
IDCW Weekly02-Aug-20190.9750

 26-Jul-20190.8830
 19-Jul-20190.9488
 12-Jul-20190.9345
 05-Jul-20190.9984
 28-Jun-20190.9323
 21-Jun-20190.9236
 14-Jun-20190.9503
 07-Jun-20191.0046
 31-May-20191.0372
 24-May-20191.0386
 17-May-20191.0484
 10-May-20191.0081
 03-May-20190.9821
 26-Apr-20190.9820
 19-Apr-20191.0050
 12-Apr-20190.9392
 05-Apr-20191.0842
 29-Mar-20191.5571
 22-Mar-20191.0111
 15-Mar-20191.0617
 08-Mar-20191.0090
 01-Mar-20190.9980
 22-Feb-20190.9920
 15-Feb-20190.9262

Contact Information

AMC: SBI Funds Management Ltd

Address: 9th Floor-Crescenzo, C-38 & 39- G Block, Bandra-Kurla Complex, Bandra (East) Mumbai - 400051

Phone: 022-61793000 / 1800-425-5425

Fax: 022-22189663

Email: [email protected]

Website: http://www.sbimf.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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