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3 star

SBI Liquid Fund


Debt: Liquid

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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(₹)
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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 3.00 0.01 0.07 0.30 0.81 1.66 3.24 4.74 5.60 6.28 7.18
CCIL T Bill Liquidity Weight 1.88 0.03 0.04 0.17 0.43 1.08 2.05 3.24 3.53 3.99 4.48
Debt: Liquid 2.93 0.01 0.06 0.29 0.79 1.60 3.17 4.62 5.49 6.18 7.10
Rank within category 13 6 6 5 7 7 13 20 25 23 21
Number of funds in category 41 42 42 42 42 42 41 38 35 34 33

As on 03-Dec-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
SBI Liquid Fund  | Invest Online
3 star
Mar-07 3.24 4.74 5.60 0.28% 49,644
ICICI Prudential Liquid Fund  | Invest Now
4 star
Nov-05 3.19 4.79 5.65 0.32% 35,561
Aditya Birla Sun Life Liquid Fund  | Invest Online
4 star
Mar-04 3.23 4.84 5.70 0.32% 29,710
UTI Liquid Cash Fund - Regular Plan  | Invest Online
4 star
Dec-03 3.24 4.79 5.67 0.23% 25,609
Axis Liquid Fund
4 star
Oct-09 3.25 4.82 5.71 0.26% 22,877

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 0.43 24-Mar-2020 - 31-Mar-2020 -0.12 17-Mar-2020 - 24-Mar-2020
Month 0.88 24-Jul-2013 - 23-Aug-2013 0.06 08-May-2007 - 07-Jun-2007
Quarter 2.63 24-Jul-2013 - 23-Oct-2013 0.71 22-Oct-2020 - 21-Jan-2021
Year 9.80 24-Aug-2011 - 23-Aug-2012 3.16 26-Oct-2020 - 26-Oct-2021

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 4.66 0.47 1.85 10.87 1.01 1.49
CCIL T Bill Liquidity Weight 3.18 0.40 -1.54 -4.30 -- --
Debt: Liquid 4.54 0.47 1.58 9.47 0.97 1.34
Rank within category 19 18 17 19 19 20
Number of funds in category 38 38 38 38 38 38

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

As on 30-Nov-2021

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 60 73 49 35
Modified Duration (yrs) 0.07 0.15 0.07 --
Average Maturity (yrs) 0.07 0.15 0.07 --
Yield to Maturity (%) 3.61 3.61 2.94 --
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
equal Reserve Bank of India 91-D 25/11/2021 Treasury Bills SOV 0.00 - 11.76 11.25
equal Reserve Bank of India 182-D 04/11/2021 Treasury Bills SOV 0.00 - 5.26 5.03
equal HDFC Bank 2021 Certificate of Deposit A1+ 0.00 - 4.20 4.02
new Reserve Bank of India 91-D 27/01/2022 Treasury Bills SOV 0.00 - 3.99 3.99
equal Bharti Airtel 45-D 01/11/2021 Commercial Paper A1+ 0.00 - 3.68 3.53
new Reserve Bank of India 182-D 30/12/2021 Treasury Bills SOV 0.00 - 2.60 2.60
new Bharat Petroleum Corporation 37-D 12/11/2021 Commercial Paper A1+ 0.00 - 2.52 2.52
new Kotak Mahindra Investments 14-D 12/11/2021 Commercial Paper A1+ 0.00 - 2.26 2.26
equal Reserve Bank of India 91-D 19/11/2021 Treasury Bills SOV 0.00 - 2.10 2.01
equal National Bank Agr. Rur. Devp 90-D 22/11/2021 Commercial Paper A1+ 0.00 - 2.10 2.01
new Indian Oil Corporation 37-D 12/11/2021 Commercial Paper A1+ 0.00 - 2.01 2.01
equal Reliance Retail Ventures 91-D 16/11/2021 Commercial Paper A1+ 0.00 - 2.10 2.01
equal BHEL 91-D 20/12/2021 Commercial Paper A1+ 0.00 - 2.09 2.00
equal MRPL 90-D 29/12/2021 Commercial Paper A1+ 0.00 - 2.09 2.00
new National Bank Agr. Rur. Devp 89-D 25/01/2022 Commercial Paper A1+ 0.00 - 2.00 2.00
equal Reliance Retail Ventures 84-D 06/12/2021 Commercial Paper A1+ 0.00 - 1.78 1.71
equal 8.79% GOI 2021 Central Government Loan SOV 0.00 - 1.72 1.63
new Larsen & Toubro 67-D 28/12/2021 Commercial Paper A1+ 0.00 - 1.50 1.50
new Reliance Jio Infocomm 91-D 13/01/2022 Commercial Paper A1+ 0.00 - 1.50 1.50
new Hindustan Petroleum Corporation 63-D 23/12/2021 Commercial Paper A1+ 0.00 - 1.40 1.40
equal Adani Ports and Special Economic Zone 90-D 10/11/2021 Commercial Paper A1+ 0.00 - 1.05 1.01
equal Tata Power Company 89-D 22/11/2021 Commercial Paper A1+ 0.00 - 1.05 1.01
equal Aditya Birla Finance 77-D 15/12/2021 Commercial Paper A1+ 0.00 - 1.05 1.00
new Bajaj Housing Finance 91-D 27/01/2022 Commercial Paper A1+ 0.00 - 1.00 1.00
new NTPC 91-D 31/12/2021 Commercial Paper A1+ 0.00 - 1.00 1.00

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-Oct-2021

Fund Manager

— R Arun since 04-May-2018

Education: Mr. Arun is a B.Com (H), PGDM (Finance) and Financial Risk Manager (GARP).

Experience: Prior joining SBI in 2009 he has worked with ING Investment Management, Deutsche Bank India Operations and CRISIL India.

Funds Managed:


0.01%

Change from previous, NAV as on 05-Dec-2021

Growth: ₹ 3,274.5410

IDCW Weekly: ₹ 1,123.9466

More

IDCW Fortnightly: ₹ 1,074.6386

IDCW Daily: ₹ 1,061.9205


Investment Strategy

The scheme seeks to provide the investors an opportunity to invest in the entire range of debt and money market securities with residual maturity upto 91 days only.

Investment Details

Minimum Investment (₹) 500
Minimum Addl Investment (₹) 500
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum Balance (₹) --
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: SBI Mutual Fund
Launch Date: 22-Mar-2007
Return Since Launch: 7.13%
Benchmark: CRISIL Liquid Fund Index
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 49,644 Cr (As on 31-Oct-2021)
Expense: 0.28% (As on 31-Oct-2021)
Risk Grade: --
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily30-Mar-20200.2547

 29-Mar-20200.1709
 28-Mar-20200.1092
 27-Mar-20200.1092
 26-Mar-20201.5582
 16-Mar-20200.0704
 15-Mar-20200.0876
 14-Mar-20200.0994
 13-Mar-20200.0993
 12-Mar-20200.0307
 11-Mar-20200.0808
 10-Mar-20200.1163
 09-Mar-20200.1265
 08-Mar-20200.1588
 07-Mar-20200.1273
 06-Mar-20200.1272
 05-Mar-20200.1351
 04-Mar-20200.1484
 03-Mar-20200.1949
 02-Mar-20200.1077
 01-Mar-20200.0921
 29-Feb-20200.1005
 28-Feb-20200.1006
 27-Feb-20200.1088
 26-Feb-20200.0552
IDCW Weekly27-Mar-20201.9856

 20-Mar-20200.0504
 13-Mar-20200.7829
 06-Mar-20200.9587
 28-Feb-20200.6884
 21-Feb-20200.7363
 14-Feb-20200.7752
 07-Feb-20200.7571
 31-Jan-20200.7439
 24-Jan-20200.7404
 17-Jan-20200.6555
 10-Jan-20200.6674
 03-Jan-20200.7852
 27-Dec-20190.7430
 20-Dec-20190.7434
 13-Dec-20190.7612
 06-Dec-20190.7027
 29-Nov-20190.8089
 22-Nov-20190.7637
 15-Nov-20190.7724
 08-Nov-20190.6815
 01-Nov-20190.7948
 25-Oct-20190.7183
 18-Oct-20190.8383
 11-Oct-20190.8493
IDCW Fortnightly20-Mar-20200.7946

 06-Mar-20201.5712
 21-Feb-20201.4415
 07-Feb-20201.4300
 24-Jan-20201.3315
 10-Jan-20201.3853
 27-Dec-20191.4182
 13-Dec-20191.3967
 29-Nov-20191.5000
 15-Nov-20191.3862
 01-Nov-20191.4431
 18-Oct-20191.6099
 04-Oct-20191.6655
 20-Sep-20191.4810
 06-Sep-20191.5631
 23-Aug-20191.5707
 09-Aug-20191.8414
 26-Jul-20191.7499
 12-Jul-20191.8468
 28-Jun-20191.7738
 14-Jun-20191.8662
 31-May-20191.9818
 17-May-20191.9639
 03-May-20191.8737
 19-Apr-20191.8522

Contact Information

AMC: SBI Funds Management Ltd

Address: 9th Floor-Crescenzo, C-38 & 39- G Block, Bandra-Kurla Complex, Bandra (East) Mumbai - 400051

Phone: 022-61793000 / 1800-425-5425

Fax: 022-22189663

Email: [email protected]

Website: http://www.sbimf.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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