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4 star

Tata Liquid Fund - Regular Plan


Debt: Liquid

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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(₹)
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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 3.51 0.01 0.07 0.26 0.80 2.01 4.88 6.38 6.75 7.39 7.91
CCIL T Bill Liquidity Weight 2.58 0.06 0.12 0.22 0.59 1.51 3.45 3.98 4.16 4.64 4.77
Debt: Liquid 3.22 0.01 0.07 0.26 0.80 1.86 4.54 6.06 6.47 7.16 7.70
Rank within category 5 9 12 14 14 9 5 9 9 8 4
Number of funds in category 40 40 40 40 40 40 40 36 35 34 31

As on 01-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 4.88 6.38 6.75 0.33 18,934
ICICI Prudential Liquid Fund  | Invest Now
4 star
Nov-05 4.86 6.36 6.73 0.32 54,052
Aditya Birla Sun Life Liquid Fund  | Invest Online
5 star
Mar-04 4.87 6.41 6.78 0.31 39,810
Axis Liquid Fund  | Invest Online
4 star
Oct-09 4.87 6.40 6.76 0.22 28,818
UTI Liquid Cash Fund - Regular Plan  | Invest Online
4 star
Dec-03 4.75 6.35 6.73 0.24 27,459

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 42
Modified Duration (yrs) 0.11 0.14 0.09 0.08
Average Maturity (yrs) 0.11 0.14 0.09 0.08
Yield to Maturity (%) 3.36 5.73 3.36 3.31
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 Reserve Bank of India 91-D 01/10/2020 Treasury Bills SOV 0.00 - 13.64 13.64
up Reserve Bank of India 91-D 24/09/2020 Treasury Bills SOV 0.00 - 8.31 7.85
new Larsen & Toubro 91-D 18/11/2020 Commercial Paper A1+ 0.00 - 3.93 3.93
new NTPC 88-D 27/11/2020 Commercial Paper A1+ 0.00 - 3.67 3.67
equal Reserve Bank of India 364-D 01/10/2020 Treasury Bills SOV 0.00 - 3.29 3.29
new HDFC 91-D 09/11/2020 Commercial Paper A1+ 0.00 - 3.15 3.15
new Reserve Bank of India 182-D 19/11/2020 Treasury Bills SOV 0.00 - 3.02 3.02
equal Reserve Bank of India 364-D 10/09/2020 Treasury Bills SOV 0.00 - 2.64 2.64
equal Reliance Jio Infocomm 91-D 14/09/2020 Commercial Paper A1+ 0.00 - 2.78 2.64
new Cholamandalam Invest. & Fin. 44-D 17/09/2020 Commercial Paper A1+ 0.00 - 2.64 2.64
new Reliance Industries 91-D 02/11/2020 Commercial Paper A1+ 0.00 - 2.63 2.63
new Reserve Bank of India 91-D 05/11/2020 Treasury Bills SOV 0.00 - 2.63 2.63
new Reserve Bank of India 182-D 12/11/2020 Treasury Bills SOV 0.00 - 2.62 2.62
new Export-Import Bank 88-D 13/11/2020 Commercial Paper A1+ 0.00 - 2.62 2.62
new SAIL 87-D 13/11/2020 Commercial Paper A1+ 0.00 - 2.62 2.62
equal National Fertilizers 90-D 17/09/2020 Commercial Paper A1+ 0.00 - 2.61 2.48
equal Reserve Bank of India 364-D 17/09/2020 Treasury Bills SOV 0.00 - 2.37 2.37
down Reserve Bank of India 182-D 24/09/2020 Treasury Bills SOV 0.00 - 2.37 2.37
up Reserve Bank of India 91-D 22/10/2020 Treasury Bills SOV 0.00 - 2.29 2.29
new Adani Ports and Special Economic Zone 39-D 25/09/2020 Commercial Paper A1+ 0.00 - 2.11 2.11
new Reliance Retail Ventures 85-D 20/11/2020 Commercial Paper A1+ 0.00 - 2.10 2.10
up 8.20% Power Finance Corp. 14/09/2020 Bonds/NCDs AAA 0.00 - 1.85 1.85
new 6.98% National Bank Agr. Rur. Devp 30/09/2020 Debenture AAA 0.00 - 1.59 1.59
equal Union Bank of India 18/09/2020 Certificate of Deposit A1+ 0.00 - 1.53 1.45
equal Aditya Birla Fashion and Retail 85-D 29/09/2020 Commercial Paper A1+ 0.00 - 1.45 1.45

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-Aug-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:


0.01%

Change from previous, NAV as on 01-Oct-2020

Growth: ₹ 3,176.4762

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: 7.45%
Benchmark: CRISIL Liquid
Riskometer: Low
Type: Open-ended
Assets: ₹ 18,934 Cr (As on 31-Aug-2020)
Expense: 0.33% (As on 31-Aug-2020)
Risk Grade: --
Return Grade: Above Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Daily30-Sep-20200.1727

 29-Sep-20200.0984
 28-Sep-20200.0952
 27-Sep-20200.0931
 26-Sep-20200.0929
 25-Sep-20200.0967
 24-Sep-20200.0878
 23-Sep-20200.0805
 22-Sep-20200.0887
 21-Sep-20200.0774
 20-Sep-20200.0869
 19-Sep-20200.0867
 18-Sep-20200.0784
 17-Sep-20200.0945
 16-Sep-20200.0921
 15-Sep-20200.0922
 14-Sep-20200.0915
 13-Sep-20200.0883
 12-Sep-20200.0881
 11-Sep-20200.0523
 10-Sep-20200.0729
 09-Sep-20200.0537
 08-Sep-20200.0484
 07-Sep-20200.0792
 06-Sep-20200.0835

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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