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Tata Liquid Fund - Regular Plan

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Debt: Liquid

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1 Lakh

Investment Grown to
₹ 1.05 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.23 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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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 3.69 0.01 0.07 0.29 0.82 1.90 4.75 6.33 6.70 7.34 7.90
CCIL T Bill Liquidity Weight 2.67 0.00 0.06 0.21 0.54 1.29 3.27 3.94 4.14 4.58 4.76
Debt: Liquid 3.35 0.01 0.06 0.28 0.81 1.76 4.37 6.01 6.42 7.12 7.68
Rank within category 4 8 15 8 9 9 5 9 9 8 4
Number of funds in category 42 42 42 42 42 42 42 36 35 34 31

As on 19-Oct-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Tata Liquid Fund - Regular Plan  | Invest Online
4 star
 Sep-04 4.75 6.33 6.70 0.32 15,556
ICICI Prudential Liquid Fund  | Invest Now
4 star
 Nov-05 4.71 6.31 6.69 0.32 44,170
Aditya Birla Sun Life Liquid Fund  | Invest Online
5 star
 Mar-04 4.74 6.36 6.73 0.31 32,611
Nippon India Liquid Fund  | Invest Online
5 star
 Dec-03 4.71 6.36 6.73 0.30 24,930
Axis Liquid Fund  | Invest Online
4 star
 Oct-09 4.73 6.35 6.72 0.25 24,817

Best & Worst Performance

Best (Period) Worst (Period)
Week 0.60 (24-Mar-2020 - 31-Mar-2020) -0.23 (17-Mar-2020 - 24-Mar-2020)
Month 1.00 (24-Mar-2020 - 23-Apr-2020) 0.10 (23-Feb-2020 - 24-Mar-2020)
Quarter 2.70 (24-Jul-2013 - 23-Oct-2013) 0.79 (26-Jun-2020 - 25-Sep-2020)
Year 9.96 (04-Oct-2011 - 03-Oct-2012) 3.89 (08-Jul-2009 - 08-Jul-2010)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 6.21 0.39 2.92 3.82 0.82 2.09
CCIL T Bill Liquidity Weight 3.90 0.32 -3.63 -6.95 -- --
Debt: Liquid 5.91 0.56 2.34 3.12 0.78 1.75
Rank within category 9 20 10 7 33 2
Number of funds in category 36 36 36 35 36 36

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

As on 30-Sep-2020

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 54 75 53 36
Modified Duration (yrs) 0.12 0.14 0.09 0.10
Average Maturity (yrs) 0.12 0.14 0.09 0.09
Yield to Maturity (%) 3.45 5.67 3.36 3.38
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
up NTPC 88-D 27/11/2020 Commercial Paper A1+ 0.00 - 4.80 4.80
down Larsen & Toubro 91-D 18/11/2020 Commercial Paper A1+ 0.00 - 4.58 4.58
new 8.12% GOI 2020 Central Government Loan SOV 0.00 - 4.12 4.12
new Reserve Bank of India 182-D 29/10/2020 Treasury Bills SOV 0.00 - 3.21 3.21
new HDFC 37-D 28/10/2020 Commercial Paper A1+ 0.00 - 3.21 3.21
equal Reliance Industries 91-D 02/11/2020 Commercial Paper A1+ 0.00 - 3.20 3.20
equal Reserve Bank of India 91-D 05/11/2020 Treasury Bills SOV 0.00 - 3.20 3.20
new Reserve Bank of India 182-D 06/11/2020 Treasury Bills SOV 0.00 - 3.20 3.20
equal Reserve Bank of India 182-D 12/11/2020 Treasury Bills SOV 0.00 - 3.20 3.20
equal Export-Import Bank 88-D 13/11/2020 Commercial Paper A1+ 0.00 - 3.20 3.20
new Reserve Bank of India 182-D 03/12/2020 Treasury Bills SOV 0.00 - 3.20 3.20
new Reserve Bank of India 182-D 24/12/2020 Treasury Bills SOV 0.00 - 3.19 3.19
new NTPC 91-D 09/12/2020 Commercial Paper A1+ 0.00 - 2.87 2.87
down SAIL 87-D 13/11/2020 Commercial Paper A1+ 0.00 - 2.62 2.56
equal Reliance Retail Ventures 85-D 20/11/2020 Commercial Paper A1+ 0.00 - 2.56 2.56
new L&T Finance 59-D 27/11/2020 Commercial Paper A1+ 0.00 - 2.56 2.56
new Reserve Bank of India 91-D 29/10/2020 Treasury Bills SOV 0.00 - 2.53 2.53
down HDFC 91-D 09/11/2020 Commercial Paper A1+ 0.00 - 3.15 2.24
new Indian Oil Corp. 56-D 02/11/2020 Commercial Paper A1+ 0.00 - 1.92 1.92
new Indian Oil Corp. 77-D 23/11/2020 Commercial Paper A1+ 0.00 - 1.92 1.92
new Bajaj Finance 91-D 07/12/2020 Commercial Paper A1+ 0.00 - 1.92 1.92
new Birla Group Holdings 89-D 30/11/2020 Commercial Paper A1+ 0.00 - 1.91 1.91
up Bank of Baroda 16/10/2020 Certificate of Deposit A1+ 0.00 - 1.86 1.86
down Reserve Bank of India 182-D 19/11/2020 Treasury Bills SOV 0.00 - 3.02 1.79
equal Reliance Jio Infocomm 91-D 16/10/2020 Commercial Paper A1+ 0.00 - 1.60 1.60

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-2020

Fund Manager

— Amit Somani since 16-Oct-2013

Education: Mr.Somani is a B.Com, PGDBM and CFA.

Experience: Prior to joining Tata Asset Management Ltd in 2010 he has worked with Fidelity Investments Netscribes Pvt. ltd, SPA Capital and Khandwala Securities.

Funds Managed:

— Abhishek Sonthalia since 06-Feb-2020

Education: Mr. Sonthalia has done B. Com, Management Programme from NITIE and CFA Charter holder.

Experience: Prior to joining Tata Mutual Fund, he has worked with CRISIL Ltd. and TCS.

Funds Managed:

Invest Online
0.01%

Change from previous, NAV as on 19-Oct-2020

Growth: ₹ 3,181.8781

Dividend Daily: ₹ 1,001.5157

Investment Strategy

The scheme seeks to generate reasonable returns with high liquidity to the unit holders

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
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: Tata Mutual Fund
Launch Date: 01-Sep-2004
Return Since Launch: 7.43%
Benchmark: CRISIL Liquid
Riskometer: Low
Type: Open-ended
Assets: ₹ 15,556 Cr (As on 30-Sep-2020)
Expense: 0.32% (As on 30-Sep-2020)
Risk Grade: --
Return Grade: Above Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Daily19-Oct-20200.1033

 18-Oct-20200.0817
 17-Oct-20200.0816
 16-Oct-20200.0970
 15-Oct-20200.0972
 14-Oct-20200.1075
 13-Oct-20200.1020
 12-Oct-20200.1023
 11-Oct-20200.0851
 10-Oct-20200.0850
 09-Oct-20200.0953
 08-Oct-20200.0978
 07-Oct-20200.1045
 06-Oct-20200.1000
 05-Oct-20200.0915
 04-Oct-20200.0898
 03-Oct-20200.0901
 02-Oct-20200.0899
 01-Oct-20200.0932
 30-Sep-20200.1727
 29-Sep-20200.0984
 28-Sep-20200.0952
 27-Sep-20200.0931
 26-Sep-20200.0929
 25-Sep-20200.0967

Contact Information

AMC: Tata Asset Management Private Ltd

Address: 9th Floor, Mafatlal Centre, Nariman Point, Mumbai - 400021

Phone: 1800-209-0101

Email: [email protected]

Website: http://www.tatamutualfund.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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