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4 star

Tata Liquid Fund - 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 2.88 0.01 0.08 0.31 0.79 1.63 3.15 4.82 5.69 6.37 7.28
CCIL T Bill Liquidity Weight 1.84 0.03 0.05 0.20 0.47 1.08 2.01 3.25 3.53 4.01 4.49
Debt: Liquid 2.86 0.01 0.07 0.30 0.79 1.61 3.14 4.65 5.50 6.20 7.11
Rank within category 29 17 8 12 30 28 29 11 10 9 4
Number of funds in category 41 42 42 42 42 42 41 38 35 34 33

As on 26-Nov-2021

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 3.15 4.82 5.69 0.33% 8,688
ICICI Prudential Liquid Fund  | Invest Now
4 star
Nov-05 3.16 4.82 5.67 0.32% 35,561
Aditya Birla Sun Life Liquid Fund  | Invest Online
4 star
Mar-04 3.19 4.87 5.71 0.32% 29,710
Axis Liquid Fund
4 star
Oct-09 3.22 4.85 5.72 0.26% 22,877
Nippon India Liquid Fund  | Invest Online
4 star
Dec-03 3.16 4.85 5.70 0.32% 20,961

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) 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 0.71 20-Oct-2020 - 19-Jan-2021
Year 9.96 04-Oct-2011 - 03-Oct-2012 3.11 28-Oct-2020 - 28-Oct-2021

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 4.81 0.51 1.86 12.90 1.12 1.63
CCIL T Bill Liquidity Weight 3.25 0.40 -1.53 -4.22 -- --
Debt: Liquid 4.64 0.48 1.58 8.45 0.99 1.38
Rank within category 11 35 16 8 37 8
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 31-Oct-2021

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 41 56 35 35
Modified Duration (yrs) 0.11 0.15 0.06 --
Average Maturity (yrs) 0.11 0.15 0.06 --
Yield to Maturity (%) 3.84 3.84 2.91 --
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 8.79% GOI 2021 Central Government Loan SOV 0.00 - 9.33 9.33
equal Reserve Bank of India 91-D 19/11/2021 Treasury Bills SOV 0.00 - 6.89 6.89
equal Reserve Bank of India 91-D 09/12/2021 Treasury Bills SOV 0.00 - 6.14 6.14
equal NTPC 91-D 14/12/2021 Commercial Paper A1+ 0.00 - 5.56 5.56
equal HDFC Bank 2021 Certificate of Deposit A1+ 0.00 - 4.59 4.59
new Reliance Jio Infocomm 85-D 07/01/2022 Commercial Paper A1+ 0.00 - 4.57 4.57
new Shriram Transport Finance Company 75-D 27/12/2021 Commercial Paper A1+ 0.00 - 4.57 4.57
equal Birla Group Holdings 91-D 13/12/2021 Commercial Paper A1+ 0.00 - 4.01 4.01
new HDFC 85-D 14/01/2022 Commercial Paper A1+ 0.00 - 3.43 3.43
new Reserve Bank of India 91-D 30/12/2021 Treasury Bills SOV 0.00 - 3.43 3.43
equal National Bank Agr. Rur. Devp 90-D 22/11/2021 Commercial Paper A1+ 0.00 - 2.87 2.87
equal Reliance Industries 91-D 24/11/2021 Commercial Paper A1+ 0.00 - 2.87 2.87
new Adani Ports and Special Economic Zone 88-D 31/12/2021 Commercial Paper A1+ 0.00 - 2.86 2.86
new Indian Oil Corporation 37-D 12/11/2021 Commercial Paper A1+ 0.00 - 2.59 2.59
new Reserve Bank of India 364-D 11/11/2021 Treasury Bills SOV 0.00 - 2.30 2.30
new IIFL Wealth Management 67-D 20/12/2021 Commercial Paper A1+ 0.00 - 2.29 2.29
new Sharekhan 91-D 05/01/2022 Commercial Paper A1+ 0.00 - 2.28 2.28
new GIC Housing Fin. 79-D 14/01/2022 Commercial Paper A1+ 0.00 - 2.28 2.28
new Reserve Bank of India 182-D 30/12/2021 Treasury Bills SOV 0.00 - 1.77 1.77
down Reserve Bank of India 91-D 11/11/2021 Treasury Bills SOV 0.00 - 3.59 1.72
equal Sterlite Technologies 90-D 20/12/2021 Commercial Paper A1+ 0.00 - 1.72 1.72
new ICICI Home Finance Company 91-D 17/01/2022 Commercial Paper A1+ 0.00 - 1.71 1.71
equal L&T Finance 157-D 08/11/2021 Commercial Paper A1+ 0.00 - 1.44 1.44
new Chennai Petroleum Corporation 91-D 31/12/2021 Commercial Paper A1+ 0.00 - 1.43 1.43
equal Hindustan Petroleum Corporation 85-D 30/11/2021 Commercial Paper A1+ 0.00 - 1.15 1.15

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-Oct-2021

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:


0.01%

Change from previous, NAV as on 28-Nov-2021

Growth: ₹ 3,293.5445

IDCW 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 (₹) --
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: Tata Mutual Fund
Launch Date: 01-Sep-2004
Return Since Launch: 7.15%
Benchmark: CRISIL Liquid Fund Index
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 8,688 Cr (As on 31-Oct-2021)
Expense: 0.33% (As on 31-Oct-2021)
Risk Grade: --
Return Grade: Above Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily26-Nov-20210.0896

 25-Nov-20210.0989
 24-Nov-20210.1314
 23-Nov-20210.0984
 22-Nov-20210.0651
 21-Nov-20210.0930
 20-Nov-20210.0929
 19-Nov-20210.0930
 18-Nov-20210.0950
 17-Nov-20210.0964
 16-Nov-20210.0795
 15-Nov-20210.0955
 14-Nov-20210.0889
 13-Nov-20210.0889
 12-Nov-20210.1072
 11-Nov-20210.1109
 10-Nov-20210.0963
 09-Nov-20210.1249
 08-Nov-20210.1711
 07-Nov-20210.1010
 06-Nov-20210.1008
 05-Nov-20210.1009
 04-Nov-20210.1007
 03-Nov-20210.1378
 02-Nov-20210.0933

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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