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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
₹ 1.03 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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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 0.14 0.01 0.07 0.31 0.86 1.69 3.31 4.69 5.63 6.30 7.08
CCIL T Bill Liquidity Weight 0.09 0.02 0.03 0.21 0.49 1.07 2.12 3.13 3.51 3.93 4.43
Debt: Liquid 0.13 0.01 0.07 0.29 0.84 1.64 3.23 4.46 5.41 6.09 7.02

As on 14-Jan-2022

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 3.31 4.69 5.63 0.22% 28,408
ICICI Prudential Liquid Fund  | Invest Now
4 star
 Nov-05 3.27 4.64 5.58 0.32% 32,834
Aditya Birla Sun Life Liquid Fund  | Invest Online
4 star
 Mar-04 3.31 4.69 5.63 0.33% 28,408
Nippon India Liquid Fund  | Invest Online
4 star
 Dec-03 3.27 4.66 5.62 0.32% 23,456
Axis Liquid Fund
4 star
 Oct-09 3.33 4.67 5.63 0.26% 23,318

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) 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 0.71 23-Oct-2020 - 22-Jan-2021
Year 10.02 16-Jun-1997 - 16-Jun-1998 3.15 28-Oct-2020 - 28-Oct-2021

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 4.64 0.47 1.92 9.36 1.03 1.53
CCIL T Bill Liquidity Weight 3.13 0.39 -1.53 -4.65 -- --
Debt: Liquid 4.42 0.45 1.51 9.12 0.93 1.25

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

As on 31-Dec-2021

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 90 133 90 32
Modified Duration (yrs) 0.12 0.15 0.07 0.08
Average Maturity (yrs) 0.12 0.15 0.07 0.08
Yield to Maturity (%) 3.74 3.82 3.34 3.48
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
new Reserve Bank of India 91-D 24/03/2022 Treasury Bills SOV 0.00 - 3.84 3.84
new Bharti Airtel 66-D 21/02/2022 Commercial Paper A1+ 0.00 - 3.50 3.50
new The Federal Bank 14/02/2022 Certificate of Deposit A1+ 0.00 - 2.63 2.63
equal Citicorp Finance 91-D 24/01/2022 Commercial Paper A1+ 0.00 - 2.57 2.46
new Godrej & Boyce Mfg. Co. 90-D 22/03/2022 Commercial Paper A1+ 0.00 - 2.44 2.44
equal Reliance Retail Ventures 91-D 07/02/2022 Commercial Paper A1+ 0.00 - 2.11 2.02
equal Reliance Retail Ventures 91-D 15/02/2022 Commercial Paper A1+ 0.00 - 2.01 1.93
equal Reliance Retail Ventures 91-D 02/02/2022 Commercial Paper A1+ 0.00 - 1.83 1.75
equal Bharat Petroleum Corporation 91-D 11/02/2022 Commercial Paper A1+ 0.00 - 1.83 1.75
equal Reliance Jio Infocomm 91-D 11/02/2022 Commercial Paper A1+ 0.00 - 1.83 1.75
equal Reliance Industries 91-D 24/02/2022 Commercial Paper A1+ 0.00 - 1.83 1.75
new LIC Housing Fin. 120-D 08/03/2022 Commercial Paper A1+ 0.00 - 1.75 1.75
new Adani Ports and Special Economic Zone 91-D 25/03/2022 Commercial Paper A1+ 0.00 - 1.74 1.74
new Adani Ports and Special Economic Zone 91-D 28/03/2022 Commercial Paper A1+ 0.00 - 1.74 1.74
new ICICI Bank 2022 Bills Rediscounting -- 0.00 - 1.58 1.58
equal Nabha Power 89-D 25/01/2022 Commercial Paper A1+ 0.00 - 1.65 1.58
equal Tata Motors Finance 91-D 25/02/2022 Commercial Paper A1+ 0.00 - 1.46 1.40
down Reliance Jio Infocomm 85-D 07/01/2022 Commercial Paper A1+ 0.00 - 2.76 1.23
new Reserve Bank of India 91-D 10/03/2022 Treasury Bills SOV 0.00 - 1.22 1.22
equal Tata Capital Housing Finance 91-D 24/01/2022 Commercial Paper A1+ 0.00 - 1.10 1.05
equal HDFC Bank 25/02/2022 Certificate of Deposit A1+ 0.00 - 1.10 1.05
new NTPC 89-D 30/03/2022 Commercial Paper A1+ 0.00 - 1.05 1.05
new Nirma 91-D 28/03/2022 Commercial Paper A1+ 0.00 - 0.98 0.98
new Reliance Retail Ventures 91-D 23/03/2022 Commercial Paper A1+ 0.00 - 0.96 0.96
equal TVS Credit Services 91-D 24/01/2022 Commercial Paper A1+ 0.00 - 0.92 0.88

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-2021

Fund Manager

— Kaustubh Gupta since 15-Jul-2011

— Sunaina da Cunha since 19-Jun-2009

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

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

Funds Managed:

--

Change from previous, NAV as on 16-Jan-2022

Growth: ₹ 548.5192

IDCW Daily: ₹ 163.6940

Discipline Advantage Plan: ₹ 227.2541

Investment Strategy

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

Investment Details

Min. Investment (₹) 10,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) --
Min. No of Cheques --
Min. Withdrawal (₹) 10,000
Min. Balance (₹) 10,000
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: Aditya Birla Sun Life Mutual Fund
Launch Date: 16-Jun-1997
Return Since Launch: 7.16%
Benchmark: CRISIL Liquid Fund Index
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 28,408 Cr (As on 31-Dec-2021)
Expense: 0.22% (As on 28-Feb-2017)
Risk Grade: --
Return Grade: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily14-Jan-20220.0150

 13-Jan-20220.0173
 12-Jan-20220.0181
 11-Jan-20220.0164
 10-Jan-20220.0133
 09-Jan-20220.0294
 07-Jan-20220.0162
 06-Jan-20220.0137
 05-Jan-20220.0207
 04-Jan-20220.0182
 03-Jan-20220.0215
 02-Jan-20220.0304
 31-Dec-20210.0200
 30-Dec-20210.0172
 29-Dec-20210.0209
 28-Dec-20210.0145
 27-Dec-20210.0217
 26-Dec-20210.0323
 24-Dec-20210.0222
 23-Dec-20210.0181
 22-Dec-20210.0139
 21-Dec-20210.0055
 20-Dec-20210.0189
 19-Dec-20210.0333
 17-Dec-20210.0167

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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