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SBI Liquid Fund


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 0.22 0.01 0.09 0.42 1.28 2.78 6.39 6.76 7.21 7.75 7.85
Debt: Liquid 0.22 0.01 0.09 0.41 1.24 2.70 6.23 6.54 7.05 7.63 7.75
Rank within category 28 36 34 25 24 22 24 27 24 25 18
Number of funds in category 42 42 42 42 42 42 41 36 35 34 28

As on 17-Jan-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week -- ( - ) -- ( - )
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) 0.89 (27-Aug-2009 - 26-Nov-2009)
Year 9.80 (24-Aug-2011 - 23-Aug-2012) 4.07 (20-May-2009 - 20-May-2010)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 6.59 0.20 4.35 6.72 0.34 1.43
Debt: Liquid 6.38 0.50 3.90 6.47 0.51 1.50
Rank within category 27 11 23 19 20 26
Number of funds in category 36 36 36 34 36 36

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

As on 31-Dec-2019

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 73 171 73 53
Modified Duration (yrs) 0.14 0.14 0.07 0.10
Average Maturity (yrs) 0.14 0.15 0.08 0.10
Yield to Maturity (%) 5.25 7.18 5.25 5.28

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 13/02/2020 Treasury Bills SOV 0.00 - 10.62 10.62
new Reserve Bank of India 76-D 17/03/2020 Cash Management Bill SOV 0.00 - 10.10 10.10
new Reserve Bank of India 91-D 26/03/2020 Treasury Bills SOV 0.00 - 6.87 6.87
equal Reserve Bank of India 91-D 16/01/2020 Treasury Bills SOV 0.00 - 6.13 6.13
equal HDFC 317-D 24/01/2020 Commercial Paper A1+ 0.00 - 4.26 4.26
new Reserve Bank of India 91-D 19/03/2020 Treasury Bills SOV 0.00 - 4.23 4.23
new Reserve Bank of India 91-D 12/03/2020 Treasury Bills SOV 0.00 - 4.17 4.17
new Reserve Bank of India 91-D 05/03/2020 Treasury Bills SOV 0.00 - 2.97 2.97
equal Reserve Bank of India 91-D 20/02/2020 Treasury Bills SOV 0.00 - 2.39 2.39
new Vedanta 63-D 10/02/2020 Commercial Paper A1+ 0.00 - 2.34 2.34
equal 6.35% GOI 21/01/2020 GOI Securities SOV 0.00 - 2.12 2.12
equal Reliance Jio Infocomm 90-D 27/02/2020 Commercial Paper A1+ 0.00 - 2.12 2.12
new SAIL 91-D 09/03/2020 Commercial Paper A1+ 0.00 - 1.85 1.85
new Vedanta 88-D 07/02/2020 Commercial Paper A1+ 0.00 - 1.81 1.81
new Reliance Retail Ltd. 224-D 16/03/2020 Commercial Paper A1+ 0.00 - 1.80 1.80
new Reliance Jio Infocomm 101-D 23/03/2020 Commercial Paper A1+ 0.00 - 1.79 1.79
new Reserve Bank of India 91-D 30/01/2020 Treasury Bills SOV 0.00 - 1.60 1.60
new Oriental Bank of Com. 25/02/2020 Certificate of Deposit A1+ 0.00 - 1.48 1.48
new L&T Finance 73-D 27/02/2020 Commercial Paper A1+ 0.00 - 1.48 1.48
equal Reserve Bank of India 91-D 23/01/2020 Treasury Bills SOV 0.00 - 1.36 1.36
new L&T Finance 31-D 30/01/2020 Commercial Paper A1+ 0.00 - 1.12 1.12
new Apollo Tyres 84-D 28/02/2020 Commercial Paper A1+ 0.00 - 1.06 1.06
equal Nabha Power 63-D 31/01/2020 Commercial Paper A1+ 0.00 - 1.06 1.06
new BHEL 90-D 23/03/2020 Commercial Paper A1+ 0.00 - 1.06 1.06
new Tata Power 70-D 20/02/2020 Commercial Paper A1+ 0.00 - 1.06 1.06

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-2019

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 17-Jan-2020

Growth: ₹ 3,057.8849

Dividend Weekly: ₹ 1,061.8203

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Dividend Fortnightly: ₹ 1,012.5838

Dividend Daily: ₹ 1,003.2500


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 (₹) 5,000
Minimum Addl Investment (₹) 5,000
Minimum SIP Investment (₹) 1,000
Minimum No of Cheques 12
Minimum Withdrawal (₹) 5,000
Minimum Balance (₹) 1,000
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: SBI Mutual Fund
Launch Date: 22-Mar-2007
Return Since Launch: 7.66%
Benchmark: CRISIL Liquid
Riskometer: Low
Type: Open-ended
Assets: ₹ 46,795 Cr (As on 31-Dec-2019)
Expense: 0.25% (As on 31-Dec-2019)
Risk Grade: --
Return Grade: Below Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Daily16-Jan-20200.0922

 15-Jan-20200.0989
 14-Jan-20200.1032
 13-Jan-20200.0778
 12-Jan-20200.0484
 11-Jan-20200.0972
 10-Jan-20200.0970
 09-Jan-20200.0705
 08-Jan-20200.0984
 07-Jan-20200.0905
 06-Jan-20200.0980
 05-Jan-20200.0825
 04-Jan-20200.0938
 03-Jan-20200.0939
 02-Jan-20200.0959
 01-Jan-20200.1554
 31-Dec-20190.1161
 30-Dec-20190.0940
 29-Dec-20190.0899
 28-Dec-20190.0965
 27-Dec-20190.0965
 26-Dec-20190.1135
 25-Dec-20190.1001
 24-Dec-20190.1029
 23-Dec-20190.0916
Dividend Fortnightly10-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
 05-Apr-20192.5214
 22-Mar-20191.9803
 08-Mar-20191.8219
 22-Feb-20191.9029
 08-Feb-20191.9440
Dividend Weekly10-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
 04-Oct-20190.9917
 27-Sep-20190.7543
 20-Sep-20190.7344
 13-Sep-20190.8180
 06-Sep-20190.8194
 30-Aug-20190.8193
 23-Aug-20190.8526
 16-Aug-20190.7937
 09-Aug-20190.9546
 02-Aug-20190.9751
 26-Jul-20190.8839

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: 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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