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2 star

Sundaram Liquid Fund


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 0.19 0.01 0.05 0.28 0.82 1.61 3.21 4.29 3.52 4.78 6.11
CCIL T Bill Liquidity Weight 0.12 0.03 0.03 0.22 0.55 1.05 2.11 3.10 3.50 3.91 4.42
Debt: Liquid 0.19 0.01 0.05 0.29 0.84 1.63 3.23 4.42 5.40 6.08 7.01
Rank within category 17 7 22 29 30 30 30 32 34 32 31
Number of funds in category 41 41 41 41 41 41 40 39 34 33 32

As on 21-Jan-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Sundaram Liquid Fund
2 star
Aug-04 3.21 4.29 3.52 0.19% 3,137
ICICI Prudential Liquid Fund  | Invest Now
4 star
Nov-05 3.26 4.61 5.57 0.32% 32,834
Aditya Birla Sun Life Liquid Fund  | Invest Online
4 star
Mar-04 3.31 4.65 5.61 0.33% 28,408
Nippon India Liquid Fund  | Invest Online
4 star
Dec-03 3.27 4.63 5.60 0.32% 23,456
Axis Liquid Fund
4 star
Oct-09 3.33 4.64 5.62 0.26% 23,318

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 0.26 06-Sep-2013 - 15-Sep-2013 -5.62 23-Sep-2018 - 30-Sep-2018
Month 0.95 08-Aug-2013 - 09-Sep-2013 -7.91 09-Sep-2018 - 09-Oct-2018
Quarter 2.70 24-Jul-2013 - 23-Oct-2013 -6.89 09-Sep-2018 - 09-Dec-2018
Year 9.83 08-Sep-2011 - 07-Sep-2012 -2.36 09-Sep-2018 - 09-Sep-2019

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 4.28 0.41 1.36 6.31 0.80 1.03
CCIL T Bill Liquidity Weight 3.13 0.39 -1.53 -4.65 -- --
Debt: Liquid 4.42 0.45 1.51 9.12 0.93 1.25
Rank within category 32 6 32 31 7 32
Number of funds in category 39 39 39 39 39 39

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

As on 31-Dec-2021

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 36 36 7 32
Modified Duration (yrs) 0.03 0.07 0.03 0.07
Average Maturity (yrs) 0.04 0.08 0.03 0.07
Yield to Maturity (%) 3.35 3.59 2.92 3.59
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 National Bank Agr. Rur. Devp 27/01/2022 Certificate of Deposit A1+ 0.00 - 3.18 3.18
new Axis Bank 28/01/2022 Certificate of Deposit A1+ 0.00 - 3.18 3.18
new HDFC-Warrant 342-D 28/02/2022 Commercial Paper A1+ 0.00 - 3.17 3.17
new Reserve Bank of India 91-D 24/03/2022 Treasury Bills SOV 0.00 - 3.16 3.16
new Tata Power Renewable Energy 88-D 18/02/2022 Commercial Paper A1+ 0.00 - 2.54 2.54
new Reserve Bank of India 182-D 06/01/2022 Treasury Bills SOV 0.00 - 2.23 2.23
new HDFC 73-D 24/01/2022 Commercial Paper A1+ 0.00 - 1.59 1.59
new National Bank Agr. Rur. Devp 171-D 31/01/2022 Commercial Paper A1+ 0.00 - 1.59 1.59
new Reliance Jio Infocomm 86-D 04/02/2022 Commercial Paper A1+ 0.00 - 1.59 1.59
new Reliance Retail Ventures 91-D 15/02/2022 Commercial Paper A1+ 0.00 - 1.59 1.59
new Reliance Industries 91-D 24/02/2022 Commercial Paper A1+ 0.00 - 1.59 1.59
new ICICI Securities 90-D 03/03/2022 Commercial Paper A1+ 0.00 - 1.58 1.58
new IGH Holdings 90-D 10/03/2022 Commercial Paper A1+ 0.00 - 1.58 1.58
new IIFL Wealth Prime 90-D 07/03/2022 Commercial Paper A1+ 0.00 - 1.58 1.58
new Reliance Retail Ventures 91-D 25/03/2022 Commercial Paper A1+ 0.00 - 1.58 1.58
new Julius Baer Capital 91-D 23/03/2022 Commercial Paper A1+ 0.00 - 1.58 1.58
new IIFL Wealth Management 79-D 10/03/2022 Commercial Paper A1+ 0.00 - 0.95 0.95
new Reserve Bank of India 91-D 03/03/2022 Treasury Bills SOV 0.00 - 0.94 0.94
new Reserve Bank of India 91-D 10/02/2022 Treasury Bills SOV 0.00 - 0.88 0.88
new Can Fin Homes 334-D 18/01/2022 Commercial Paper A1+ 0.00 - 0.80 0.80
new Berger Paints India 82-D 02/02/2022 Commercial Paper A1+ 0.00 - 0.79 0.79
new Tata Power Renewable Energy 90-D 21/02/2022 Commercial Paper A1+ 0.00 - 0.79 0.79
new Astec Lifesciences 91-D 28/03/2022 Commercial Paper A1+ 0.00 - 0.79 0.79
new JM Financial Services 90-D 24/03/2022 Commercial Paper A1+ 0.00 - 0.79 0.79
new Reserve Bank of India 364-D 20/01/2022 Treasury Bills SOV 0.00 - 0.32 0.32

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-2021

*As on 30-Nov-2021

Fund Manager

— Dwijendra Srivastava since 01-Jan-2022

Education: Mr. Srivastava is B.Tech , PGDM (Finance) and CFA.

Experience: Prior to joining Sundaram Mutual Fund he has worked with PGIM India Mutual Fund, JM Financial AMC, Tata AMC Private Ltd., Tower Capital and Securities, Indo Swiss Financial and Gontermann Pipers.

Funds Managed:

— Siddharth Chaudhary since 01-Jan-2022

Education: Mr. Chaudhary is a B.Com (H) and PGDM (Securities Markets).

Experience: Prior to joining Sundaram Mutual Fund he has worked with Indian Bank.

Funds Managed:


0.02%

Change from previous, NAV as on 23-Jan-2022

Growth: ₹ 1,853.8094

IDCW Weekly: ₹ 1,006.7725

More

IDCW Quarterly: ₹ 1,026.1434

IDCW Monthly: ₹ 1,024.5906

IDCW Fortnightly: ₹ 1,024.8562

IDCW Daily: ₹ 1,000.8893

Bonus: ₹ 1,026.1426


Investment Strategy

The scheme aims to provide income from short-term investments, consistent with preservation of capital and liquidity by investing in a portfolio of money market and in investment grade debt instruments .

Investment Details

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 2,000
Min. No of Cheques 6
Min. Withdrawal (₹) 1,000
Min. Balance (₹) 1
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: Sundaram Mutual Fund
Launch Date: 31-Aug-2004
Return Since Launch: 6.45%
Benchmark: NIFTY Liquid Fund Index
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 3,137 Cr (As on 31-Dec-2021)
Expense: 0.19% (As on 31-Dec-2021)
Risk Grade: --
Return Grade: Below Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily23-Jan-20220.1986

 21-Jan-20220.1099
 20-Jan-20220.0690
 18-Jan-20220.0803
 17-Jan-20220.0771
 16-Jan-20220.1815
 14-Jan-20220.0877
 13-Jan-20220.1085
 12-Jan-20220.1069
 11-Jan-20220.0908
 10-Jan-20220.0855
 09-Jan-20220.1686
 07-Jan-20220.0879
 06-Jan-20220.0879
 05-Jan-20220.1253
 04-Jan-20220.1000
 03-Jan-20220.1090
 31-Dec-20210.0961
 30-Dec-20210.0865
 29-Dec-20210.0935
 28-Dec-20210.0871
 27-Dec-20210.0995
 26-Dec-20210.1801
 24-Dec-20210.0935
 23-Dec-20210.1071
IDCW Weekly21-Jan-20220.5204

 14-Jan-20220.5845
 14-Jan-20220.5845
 07-Jan-20220.6052
 29-Dec-20210.6648
 22-Dec-20210.5861
 15-Dec-20210.6064
 08-Dec-20210.6405
 01-Dec-20210.6114
 24-Nov-20210.6352
 17-Nov-20210.6289
 10-Nov-20210.7333
 06-Nov-20210.6304
 27-Oct-20210.5346
 20-Oct-20210.5230
 13-Oct-20210.6857
 06-Oct-20210.6265
 29-Sep-20210.5549
 22-Sep-20210.5627
 15-Sep-20210.5933
 08-Sep-20210.5527
 01-Sep-20210.6070
 25-Aug-20210.6068
 18-Aug-20210.6493
 11-Aug-20210.6038
IDCW Monthly16-Jan-20221.5539

 17-Dec-20212.6890
 17-Nov-20213.0385
 14-Oct-20212.3837
 17-Sep-20212.6600
 17-Aug-20212.8714
 17-Jul-20212.6583
 17-Jun-20212.7099
 17-May-20212.6451
 16-Apr-20212.6975
 17-Mar-20212.3333
 17-Feb-20212.9556
 15-Jan-20212.2943
 17-Dec-20202.2916
 17-Nov-20202.7321
 16-Oct-20202.6479
 17-Sep-20202.5773
 17-Aug-20202.8066
 17-Jul-20202.5806
 17-Jun-20203.2503
 16-May-20203.1567
 18-Apr-20203.7428
 17-Mar-20203.0171
 17-Feb-20202.8188
 16-Aug-20184.2868
IDCW Fortnightly14-Jan-20221.2888

Contact Information

AMC: Sundaram Asset Management Company Ltd

Address: Sundaram Towers, 2nd Floor, 46, Whites Road, Royapettah Chennai - 600014

Phone: 1860-425-7237

Email: [email protected]

Website: http://www.sundarammutual.com

Registrar & Transfer Agent: KFin Technologies Pvt Ltd.

Address: 303, Vamsee Estates, Opp. Big Bazaar, Ameerpet, Hyderabad - 500016

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

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