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Aditya Birla Sun Life Liquid Fund - Retail 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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(₹)
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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 0.28 0.83 1.94 4.74 6.35 6.73 7.32 7.70
CCIL T Bill Liquidity Weight 2.70 0.02 0.06 0.24 0.60 1.32 3.29 3.94 4.14 4.58 4.77
Debt: Liquid 3.41 0.01 0.06 0.28 0.82 1.76 4.41 6.00 6.41 7.10 7.68

As on 21-Oct-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Aditya Birla Sun Life Liquid Fund - Retail Plan  | Invest Online
Unrated
 Jun-97 4.74 6.35 6.73 0.22 32,611
ICICI Prudential Liquid Fund  | Invest Now
4 star
 Nov-05 4.72 6.30 6.68 0.32 44,170
Aditya Birla Sun Life Liquid Fund  | Invest Online
5 star
 Mar-04 4.74 6.35 6.73 0.31 32,611
Nippon India Liquid Fund  | Invest Online
5 star
 Dec-03 4.71 6.35 6.72 0.30 24,930
Axis Liquid Fund  | Invest Online
4 star
 Oct-09 4.73 6.34 6.72 0.25 24,817

Best & Worst Performance

Best (Period) Worst (Period)
Week 0.50 (17-Jul-1997 - 24-Jul-1997) -0.16 (17-Mar-2020 - 24-Mar-2020)
Month 1.63 (13-Jul-1997 - 12-Aug-1997) 0.16 (23-Feb-2020 - 24-Mar-2020)
Quarter 3.15 (16-Jun-1997 - 15-Sep-1997) 0.81 (15-Jul-2020 - 14-Oct-2020)
Year 10.02 (16-Jun-1997 - 16-Jun-1998) 3.73 (18-Jun-2009 - 18-Jun-2010)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 6.24 0.38 3.12 4.11 0.75 2.05
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

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 122 217 122 36
Modified Duration (yrs) 0.13 0.14 0.08 0.10
Average Maturity (yrs) 0.13 0.14 0.08 0.09
Yield to Maturity (%) 3.39 5.61 3.39 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 Reserve Bank of India 182-D 22/10/2020 Treasury Bills SOV 0.00 - 9.57 9.57
new Reserve Bank of India 182-D 29/10/2020 Treasury Bills SOV 0.00 - 6.12 6.12
up Reserve Bank of India 182-D 19/11/2020 Treasury Bills SOV 0.00 - 4.73 4.73
equal Reserve Bank of India 182-D 12/11/2020 Treasury Bills SOV 0.00 - 4.12 4.12
new Reserve Bank of India 182-D 03/12/2020 Treasury Bills SOV 0.00 - 3.66 3.66
new 8.12% GOI 2020 Central Government Loan SOV 0.00 - 3.47 3.47
equal Reliance Industries 91-D 28/10/2020 Commercial Paper A1+ 0.00 - 3.06 3.06
equal Reserve Bank of India 91-D 05/11/2020 Treasury Bills SOV 0.00 - 3.06 3.06
new Reserve Bank of India 182-D 06/11/2020 Treasury Bills SOV 0.00 - 3.06 3.06
new Reserve Bank of India 182-D 17/12/2020 Treasury Bills SOV 0.00 - 2.48 2.48
equal Reliance Jio Infocomm 91-D 23/10/2020 Commercial Paper A1+ 0.00 - 2.30 2.30
equal Larsen & Toubro 91-D 18/11/2020 Commercial Paper A1+ 0.00 - 2.14 2.14
equal Reliance Industries 91-D 03/11/2020 Commercial Paper A1+ 0.00 - 1.83 1.83
new National Fertilizers 90-D 16/12/2020 Commercial Paper A1+ 0.00 - 1.67 1.67
equal 6.99% Punjab State 13/10/2020 State Development Loan SOV 0.00 - 1.53 1.53
new Indian Oil Corp. 49-D 26/10/2020 Commercial Paper A1+ 0.00 - 1.53 1.53
equal SAIL 87-D 13/11/2020 Commercial Paper A1+ 0.00 - 1.53 1.53
equal IDFC First Bank 20/11/2020 Certificate of Deposit A1+ 0.00 - 1.53 1.53
equal Indusind Bank 17/11/2020 Certificate of Deposit A1+ 0.00 - 1.53 1.53
equal Reliance Retail Ventures 91-D 26/11/2020 Commercial Paper A1+ 0.00 - 1.53 1.53
equal Reliance Industries 91-D 27/11/2020 Commercial Paper A1+ 0.00 - 1.53 1.53
equal Tata Capital Financial Services 91-D 27/11/2020 Commercial Paper A1+ 0.00 - 1.52 1.52
new Nabha Power 90-D 10/12/2020 Commercial Paper A1+ 0.00 - 1.52 1.52
new Larsen & Toubro 270-D 15/12/2020 Commercial Paper A1+ 0.00 - 1.40 1.40
new Chennai Petroleum Corp. 46-D 03/11/2020 Commercial Paper A1+ 0.00 - 1.38 1.38

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

— Kaustubh Gupta since 15-Jul-2011

Education: Mr. Gupta is a B.Com and a Chartered Accountant.

Experience: Prior to joining Birla Sun Life AMC he has worked with ICICI Bank.

Funds Managed:

— Sunaina da Cunha since 19-Jun-2009

Education: Ms. Cunha is a B.Com (H) and MBA from FMS, Delhi.

Experience: Prior to joining Birla Sun Life Asset Management Company, she has worked with Aditya Birla Management Corporation Ltd.

Funds Managed:

0.01%

Change from previous, NAV as on 21-Oct-2020

Growth: ₹ 527.3074

Dividend Daily: ₹ 163.6940

Discipline Advantage Plan: ₹ 218.5565

Investment Strategy

The scheme seeks to provide high liquidity and safety with reasonable returns through investments in debt and money market instruments.

Investment Details

Minimum Investment (₹) 10,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) --
Minimum No of Cheques --
Minimum Withdrawal (₹) 10,000
Minimum Balance (₹) 10,000
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: Aditya Birla Sun Life Mutual Fund
Launch Date: 16-Jun-1997
Return Since Launch: 7.38%
Benchmark: CRISIL Liquid TRI
Riskometer: Low
Type: Open-ended
Assets: ₹ 32,611 Cr (As on 30-Sep-2020)
Expense: 0.22% (As on 28-Feb-2017)
Risk Grade: --
Return Grade: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Daily19-Oct-20200.0172

 18-Oct-20200.0165
 17-Oct-20200.0269
 15-Oct-20200.0166
 14-Oct-20200.0157
 13-Oct-20200.0168
 12-Oct-20200.0165
 11-Oct-20200.0150
 10-Oct-20200.0271
 08-Oct-20200.0171
 07-Oct-20200.0138
 06-Oct-20200.0163
 05-Oct-20200.0165
 04-Oct-20200.0146
 03-Oct-20200.0421
 30-Sep-20200.0138
 29-Sep-20200.0310
 28-Sep-20200.0147
 27-Sep-20200.0153
 26-Sep-20200.0290
 24-Sep-20200.0144
 23-Sep-20200.0134
 22-Sep-20200.0135
 21-Sep-20200.0133
 20-Sep-20200.0125

Contact Information

AMC: Aditya Birla Sun Life AMC Ltd.

Address: One India Bulls Center - Tower 1, 17th Floor - Jupiter Mills Compound, 841 Senapati Bhawan, Elphinstone Road, Mumbai - 400013

Phone: 022-43568000 / 1800-270-7000 / 1800-22-7000

Fax: 022-43568110

Website: http://mutualfund.adityabirlacapital.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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