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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 2.36 0.01 0.05 0.25 0.82 1.64 3.19 5.11 5.83 6.53 7.24
CCIL T Bill Liquidity Weight 1.52 -0.01 0.01 0.14 0.58 1.01 2.15 3.40 3.66 4.08 4.54
Debt: Liquid 2.32 0.01 0.05 0.25 0.79 1.60 3.13 4.88 5.62 6.33 7.20

As on 27-Sep-2021

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 3.19 5.11 5.83 0.22 32,671
ICICI Prudential Liquid Fund  | Invest Now
4 star
 Nov-05 3.18 5.06 5.79 0.32 41,512
Aditya Birla Sun Life Liquid Fund  | Invest Online
4 star
 Mar-04 3.19 5.11 5.83 0.32 32,671
Axis Liquid Fund
4 star
 Oct-09 3.22 5.09 5.84 0.25 26,753
Nippon India Liquid Fund  | Invest Online
4 star
 Dec-03 3.16 5.10 5.83 0.32 24,715

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 3.18 15-Jul-2020 - 15-Jul-2021

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 5.10 0.51 2.08 5.75 1.08 1.77
CCIL T Bill Liquidity Weight 3.37 0.39 -1.71 -4.34 -- --
Debt: Liquid 4.79 0.65 1.62 5.20 1.03 1.44

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

As on 31-Aug-2021

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 101 140 100 37
Modified Duration (yrs) 0.11 0.15 0.07 0.08
Average Maturity (yrs) 0.11 0.15 0.07 0.08
Yield to Maturity (%) 3.35 3.60 3.01 3.27
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 8.79% GOI 2021 Central Government Loan SOV 0.00 - 6.86 6.86
equal Reserve Bank of India 91-D 16/09/2021 Treasury Bills SOV 0.00 - 6.45 6.11
new Reserve Bank of India 364-D 04/11/2021 Treasury Bills SOV 0.00 - 4.46 4.46
equal Reserve Bank of India 91-D 02/09/2021 Treasury Bills SOV 0.00 - 3.84 3.64
new Reserve Bank of India 364-D 11/11/2021 Treasury Bills SOV 0.00 - 3.04 3.04
new Reserve Bank of India 364-D 07/10/2021 Treasury Bills SOV 0.00 - 2.96 2.96
equal Adani Ports and Special Economic Zone 90-D 22/09/2021 Commercial Paper A1+ 0.00 - 3.06 2.90
new Reliance Industries 91-D 23/11/2021 Commercial Paper A1+ 0.00 - 2.28 2.28
equal Godrej & Boyce Mfg. Co. 91-D 22/09/2021 Commercial Paper A1+ 0.00 - 2.25 2.14
new Reliance Jio Infocomm 91-D 10/11/2021 Commercial Paper A1+ 0.00 - 1.82 1.82
up Axis Bank 17/09/2021 Certificate of Deposit A1+ 0.00 - 1.76 1.76
equal Reserve Bank of India 91-D 09/09/2021 Treasury Bills SOV 0.00 - 1.61 1.53
equal ICICI Bank 2021 Bills Rediscounting -- 0.00 - 1.61 1.53
equal Punjab & Sind Bank 15/09/2021 Certificate of Deposit A1+ 0.00 - 1.61 1.53
equal Reliance Retail Ventures 91-D 22/09/2021 Commercial Paper A1+ 0.00 - 1.61 1.53
equal National Fertilizers 70-D 23/09/2021 Commercial Paper A1+ 0.00 - 1.53 1.53
new Tata Steel PPE 60-D 22/10/2021 Commercial Paper A1+ 0.00 - 1.52 1.52
equal Reliance Industries 91-D 01/11/2021 Commercial Paper A1+ 0.00 - 1.52 1.52
new Reliance Industries 91-D 12/11/2021 Commercial Paper A1+ 0.00 - 1.52 1.52
new National Bank Agr. Rur. Devp 90-D 22/11/2021 Commercial Paper A1+ 0.00 - 1.52 1.52
new Tata Steel 90-D 25/11/2021 Commercial Paper A1+ 0.00 - 1.52 1.52
down Reliance Retail Ventures 91-D 06/09/2021 Commercial Paper A1+ 0.00 - 1.61 1.45
equal Shriram Transport Finance Company 70-D 27/09/2021 Commercial Paper A1+ 0.00 - 1.36 1.36
new Reserve Bank of India 182-D 25/11/2021 Treasury Bills SOV 0.00 - 1.22 1.22
down Reserve Bank of India 364-D 16/09/2021 Treasury Bills SOV 0.00 - 1.59 1.16

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-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:

0.01%

Change from previous, NAV as on 27-Sep-2021

Growth: ₹ 542.8781

IDCW Daily: ₹ 163.6940

Discipline Advantage Plan: ₹ 225.1093

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
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: 7.21%
Benchmark: CRISIL Liquid Fund Index
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 32,671 Cr (As on 31-Aug-2021)
Expense: 0.22% (As on 28-Feb-2017)
Risk Grade: --
Return Grade: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily26-Sep-20210.0123

 25-Sep-20210.0285
 23-Sep-20210.0095
 22-Sep-20210.0136
 21-Sep-20210.0132
 20-Sep-20210.0096
 19-Sep-20210.0121
 18-Sep-20210.0279
 16-Sep-20210.0128
 15-Sep-20210.0139
 14-Sep-20210.0135
 13-Sep-20210.0126
 12-Sep-20210.0155
 11-Sep-20210.0413
 08-Sep-20210.0114
 07-Sep-20210.0129
 06-Sep-20210.0126
 05-Sep-20210.0140
 04-Sep-20210.0284
 02-Sep-20210.0130
 01-Sep-20210.0144
 31-Aug-20210.0144
 30-Aug-20210.0152
 29-Aug-20210.0151
 28-Aug-20210.0267

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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