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Franklin India Liquid Fund - Super Institutional 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 2.39 0.01 0.08 0.43 1.49 2.88 6.19 6.89 7.19 7.79 8.07
CCIL T Bill Liquidity Weight 1.78 0.02 0.00 0.25 1.20 2.00 4.16 4.23 4.40 4.73 4.80
Debt: Liquid 2.04 0.01 0.05 0.35 1.23 2.48 5.47 6.44 6.79 7.45 7.80
Rank within category 1 1 2 5 3 1 2 1 2 2 2
Number of funds in category 42 42 42 42 42 42 42 36 35 34 29

As on 29-May-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 0.54 (24-Mar-2020 - 31-Mar-2020) -0.16 (17-Mar-2020 - 24-Mar-2020)
Month 0.97 (08-Aug-2013 - 09-Sep-2013) 0.18 (23-Feb-2020 - 24-Mar-2020)
Quarter 2.65 (24-Jul-2013 - 23-Oct-2013) 0.94 (24-Nov-2009 - 23-Feb-2010)
Year 9.95 (12-Aug-2011 - 13-Aug-2012) 4.38 (05-Jul-2009 - 05-Jul-2010)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 6.74 0.23 5.54 8.44 0.27 1.63
CCIL T Bill Liquidity Weight 4.16 0.26 -5.00 -9.29 -- --
Debt: Liquid 6.32 0.46 3.69 5.40 0.39 1.36
Rank within category 1 4 1 1 19 4
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-Apr-2020

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 27 76 27 48
Modified Duration (yrs) 0.08 0.13 0.04 --
Average Maturity (yrs) 0.08 0.14 0.05 --
Yield to Maturity (%) 5.45 7.14 5.45 --

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
down Birla Group Holdings 91-D 05/06/2020 Commercial Paper A1+ 0.00 - 6.37 6.37
equal Reliance Jio Infocomm 91-D 11/05/2020 Commercial Paper A1+ 0.00 - 5.58 5.58
equal Bank of Baroda 2020 Certificate of Deposit A1+ 0.00 - 5.56 5.56
equal Bank of India 15/06/2020 Certificate of Deposit A1+ 0.00 - 5.56 5.56
equal Birla Group Holdings 89-D 03/06/2020 Commercial Paper A1+ 0.00 - 5.54 5.54
equal Tata Projects 299-D 22/06/2020 Commercial Paper A1+ 0.00 - 5.53 5.53
new Tata Power 62-D 22/06/2020 Commercial Paper A1+ 0.00 - 5.53 5.53
equal Aditya Birla Fashion and Retail 90-D 14/05/2020 Commercial Paper A1+ 0.00 - 4.18 4.18
equal Indian Bank 2020 Certificate of Deposit A1+ 0.00 - 4.17 4.17
equal Tata Housing Devp. Co. 139-D 24/06/2020 Commercial Paper A1+ 0.00 - 4.15 4.15
down Reliance Jio Infocomm 90-D 04/05/2020 Commercial Paper A1+ 0.00 - 4.29 3.49
equal JM Financial Services 88-D 22/05/2020 Commercial Paper A1+ 0.00 - 2.78 2.78
equal National Bank Agr. Rur. Devp 2020 Certificate of Deposit A1+ 0.00 - 2.78 2.78
new Axis Bank 29/06/2020 Certificate of Deposit A1+ 0.00 - 2.77 2.77
new Reliance Industries 91-D 21/07/2020 Commercial Paper A1+ 0.00 - 2.76 2.76
equal 9.70% Tata Motors 18/06/2020 Debenture AA- 0.00 - 2.24 2.24
equal JM Financial Services 91-D 19/05/2020 Commercial Paper A1+ 0.00 - 2.09 2.09
equal JM Financial Services 91-D 16/06/2020 Commercial Paper A1+ 0.00 - 2.07 2.07
equal 8.19% L&T Infrastructre Finance 25/05/2020 Non Convertible Debenture AAA 0.00 - 1.40 1.40
equal Axis Bank 27/05/2020 Certificate of Deposit A1+ 0.00 - 1.39 1.39
equal SIDBI 2020 Certificate of Deposit A1+ 0.00 - 1.39 1.39
equal SBI Cards & Payments Services 361-D 29/06/2020 Commercial Paper A1+ 0.00 - 1.38 1.38
equal Aditya Birla Finance 15/05/2020 Zero Coupon Bonds AAA 0.00 - 0.87 0.87
new M&M Financial Services 2020 Debenture AAA 0.00 - 0.80 0.80
equal 9.90% Tata Motors 2020 Debenture AA- 0.00 - 0.70 0.70

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-Apr-2020

Fund Manager

— Pallab Roy since 20-Jun-2008

Education: Mr. Roy is a M.Com and MBA (Finance).

Experience: He has been associated with Franklin Templeton Investments since 2001.

Funds Managed:

— Umesh Sharma since 25-Oct-2018

Education: Mr. Sharma is a B.Com (H), CS and CA.

Experience: Prior to joining Franklin Templeton Mutual Fund he has worked with ICICI Bank Ltd., UTI Mutual Fund, Invesco Mutual Fund and JM Financials.

Funds Managed:


0.01%

Change from previous, NAV as on 29-May-2020

Growth: ₹ 2,995.7072

Dividend Weekly: ₹ 1,022.3650

Dividend Daily: ₹ 1,000.0000


Investment Strategy

The scheme aims to provide current income with high liquidity through 100% investment in debt and money market instruments.

Investment Details

Minimum Investment (₹) 10,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 1,000
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: Franklin Templeton Mutual Fund
Launch Date: 02-Sep-2005
Return Since Launch: 7.72%
Benchmark: CRISIL Liquid
Riskometer: Low
Type: Open-ended
Assets: ₹ 3,582 Cr (As on 30-Apr-2020)
Expense: 0.86% (As on 30-Apr-2020)
Risk Grade: --
Return Grade: High

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Daily29-May-20200.0996

 28-May-20200.0882
 27-May-20200.0976
 26-May-20200.1133
 25-May-20200.3006
 22-May-20200.1611
 21-May-20200.1416
 20-May-20200.1204
 19-May-20200.1188
 18-May-20200.1225
 17-May-20200.2260
 15-May-20200.1613
 14-May-20200.1227
 13-May-20200.1540
 12-May-20200.1918
 11-May-20200.1648
 10-May-20200.2546
 08-May-20200.1513
 07-May-20200.1257
 06-May-20200.1806
 05-May-20200.1547
 04-May-20200.1584
 03-May-20200.3877
 30-Apr-20200.1027
 29-Apr-20200.0540
Dividend Weekly25-May-20200.9867

 17-May-20201.0616
 10-May-20201.0484
 03-May-20200.5929
 26-Apr-20200.9918
 19-Apr-20201.1651
 12-Apr-20200.5594
 06-Apr-20201.1800
 29-Mar-20202.2266
 22-Mar-20200.0782
 15-Mar-20200.7303
 08-Mar-20200.8557
 01-Mar-20200.7216
 23-Feb-20200.7714
 16-Feb-20200.7970
 09-Feb-20200.7770
 02-Feb-20200.7758
 26-Jan-20200.7708
 19-Jan-20200.7281
 12-Jan-20200.7140
 05-Jan-20200.7472
 29-Dec-20190.7502
 22-Dec-20190.7651
 15-Dec-20190.7900
 08-Dec-20190.7383

Contact Information

AMC: Franklin Templeton Asset Management India Private Ltd

Address: Indiabulls Finance Center, Tower 2, 12th and 13th Floor, Senapati Bapat Marg, Elphinstone Road (West) Mumbai - 400013

Phone: 1800-425-4255 / 60004255

Email: [email protected]

Website: www.franklintempletonindia.com

Registrar & Transfer Agent: Franklin Templeton Asset Management (India) Pvt. Ltd.

Address: Unit 301, III Floor, Campus 4B, RMZ Millenia Business Park, 143 Dr. MGR Road, Kandanchavadi Chennai - 600096

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