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Tata Liquid Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.06 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.24 Lakh

Analyst's Choice?

Suitability:

Liquid funds invest in bonds having maturity of up to 3 months. They are suitable to park the amount that you have set aside to meet any emergency needs or any surplus money that you don't need for the next few months to an 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 are suitable only to invest for a short time frame of up to one year. Do not invest in this, or any other Liquid fund, if your aim is 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 paid by the mutual fund scheme are taxed at the rate of 25% (effectively 29.12%, including surcharge and cess). This is known as Dividend Distribution Tax (DDT). Though the investor does not pay this tax directly, it is deducted from the dividend income before passing on to the investor.

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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 0.27 0.01 0.09 0.42 1.29 2.79 6.43 6.86 7.29 7.84 7.90
CCIL T Bill Liquidity Weight 0.19 0.03 0.02 0.25 0.81 1.86 4.19 4.14 4.47 4.79 4.69
Debt: Liquid 0.26 0.01 0.09 0.41 1.25 2.71 6.22 6.53 7.04 7.63 7.75
Rank within category 24 15 26 21 22 20 19 13 10 9 13
Number of funds in category 42 42 42 42 42 42 41 36 35 34 28

As on 20-Jan-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week -- ( - ) -- ( - )
Month 0.90 (20-Mar-2012 - 19-Apr-2012) 0.26 (01-Dec-2009 - 31-Dec-2009)
Quarter 2.70 (24-Jul-2013 - 23-Oct-2013) 0.82 (22-Oct-2009 - 21-Jan-2010)
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 6.69 0.21 4.71 6.59 0.35 1.53
CCIL T Bill Liquidity Weight 4.08 0.26 -10.52 -- -- --
Debt: Liquid 6.38 0.50 3.90 6.47 0.51 1.50
Rank within category 13 15 14 22 21 11
Number of funds in category 36 36 36 34 36 36

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

As on 31-Dec-2019

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 67 119 53 53
Modified Duration (yrs) 0.12 0.14 0.08 0.10
Average Maturity (yrs) 0.12 0.14 0.08 0.10
Yield to Maturity (%) 5.34 7.74 5.32 5.28

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
new Reserve Bank of India 76-D 17/03/2020 Cash Management Bill SOV 0.00 - 7.77 7.77
new Reserve Bank of India 91-D 30/01/2020 Treasury Bills SOV 0.00 - 7.40 7.40
new Reserve Bank of India 91-D 12/03/2020 Treasury Bills SOV 0.00 - 5.90 5.90
new Reserve Bank of India 91-D 26/03/2020 Treasury Bills SOV 0.00 - 4.17 4.17
equal Larsen & Toubro 182-D 28/02/2020 Commercial Paper A1+ 0.00 - 4.16 4.16
up National Bank Agr. Rur. Devp 252-D 31/01/2020 Commercial Paper A1+ 0.00 - 2.96 2.96
new National Fertilizers 86-D 28/02/2020 Commercial Paper A1+ 0.00 - 2.82 2.82
equal South Indian Bank 2020 Certificate of Deposit A1+ 0.00 - 2.71 2.71
equal Indian Oil Corp. 63-D 08/01/2020 Commercial Paper A1+ 0.00 - 2.70 2.70
equal Reliance Retail Ltd. 90-D 28/01/2020 Commercial Paper A1+ 0.00 - 2.70 2.70
new Syndicate Bank 2020 Certificate of Deposit A1+ 0.00 - 2.69 2.69
equal Bank of Baroda 2020 Certificate of Deposit A1+ 0.00 - 2.69 2.69
new Syndicate Bank 26/02/2020 Certificate of Deposit A1+ 0.00 - 2.69 2.69
new Reliance Jio Infocomm 91-D 28/02/2020 Commercial Paper A1+ 0.00 - 2.68 2.68
down Reserve Bank of India 91-D 09/01/2020 Treasury Bills SOV 0.00 - 2.98 2.40
up 8.19% GOI 16/01/2020 Central Government Loan SOV 0.00 - 2.30 2.30
equal JSW Steel 91-D 28/01/2020 Commercial Paper A1+ 0.00 - 2.15 2.15
equal Muthoot Finance 91-D 28/01/2020 Commercial Paper A1+ 0.00 - 1.89 1.89
new Bajaj Housing Finance 91-D 05/03/2020 Commercial Paper A1+ 0.00 - 1.61 1.61
equal Indusind Bank 2020 Certificate of Deposit A1+ 0.00 - 1.35 1.35
equal Bajaj Housing Finance 91-D 18/02/2020 Commercial Paper A1+ 0.00 - 1.34 1.34
new Chambal Fertilisers & Chem. 85-D 28/02/2020 Commercial Paper A1+ 0.00 - 1.34 1.34
new LIC Housing Fin. 71-D 06/03/2020 Commercial Paper A1+ 0.00 - 1.34 1.34
new Reliance Retail Ltd. 97-D 09/03/2020 Commercial Paper A1+ 0.00 - 1.34 1.34
new Reliance Jio Infocomm 91-D 16/03/2020 Commercial Paper A1+ 0.00 - 1.34 1.34

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-2019

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:


0.01%

Change from previous, NAV as on 20-Jan-2020

Growth: ₹ 3,076.8946

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: 7.57%
Benchmark: CRISIL Liquid
Riskometer: Low
Type: Open-ended
Assets: ₹ 18,477 Cr (As on 31-Dec-2019)
Expense: 0.33% (As on 31-Dec-2019)
Risk Grade: --
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Daily20-Jan-20200.1047

 19-Jan-20200.0983
 18-Jan-20200.0981
 17-Jan-20200.0978
 16-Jan-20200.1006
 15-Jan-20200.0941
 14-Jan-20200.0801
 13-Jan-20200.0640
 12-Jan-20200.0968
 11-Jan-20200.0966
 10-Jan-20200.0814
 09-Jan-20200.0978
 08-Jan-20200.0875
 07-Jan-20200.0942
 06-Jan-20200.0877
 05-Jan-20200.0933
 04-Jan-20200.0931
 03-Jan-20200.0971
 02-Jan-20200.1553
 01-Jan-20200.1091
 31-Dec-20190.0965
 30-Dec-20190.0924
 29-Dec-20190.0980
 28-Dec-20190.0983
 27-Dec-20190.1133

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: 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

Upcoming Video

Value Investing

Evaluating a company's financial health from the Cash Flow Statement

dateSaturday, 25-Jan-2020
time12:30 PM - 01:00 PM