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SBI Liquid Fund


1 Lakh

Investment Grown to
₹ 1.07 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 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 Month 3 Months 1 Years 3 Years 5 Years 10 Years
Fund 6.25 0.43 1.34 6.62 6.81 7.28 7.84
CCIL T Bill Liquidity Weight 4.21 0.30 0.89 4.41 4.19 4.52 4.67
Debt: Liquid 6.08 0.41 1.30 6.47 6.59 7.12 7.74
Rank within category 22 17 20 22 27 24 19
Number of funds in category 40 42 42 39 36 35 28

As on 13-Dec-2019

Best & Worst Performance

Best (Period) Worst (Period)
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 6.62 0.19 4.53 7.59 0.29 1.33
CCIL T Bill Liquidity Weight 4.11 0.25 -6.57 -10.84 -- --
Debt: Liquid 6.46 0.41 4.03 6.91 0.46 1.44
Rank within category 22 8 20 15 17 23
Number of funds in category 30 30 30 29 30 30

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

As on 30-Nov-2019

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 97 171 97 58
Modified Duration (yrs) 0.08 0.14 0.06 0.07
Average Maturity (yrs) 0.08 0.15 0.07 0.08
Yield to Maturity (%) 5.31 7.48 5.31 5.29

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 13/02/2020 Treasury Bills SOV 0.00 - 9.45 9.45
equal Reserve Bank of India 91-D 02/01/2020 Treasury Bills SOV 0.00 - 7.87 7.87
new Reserve Bank of India 42-D 17/12/2019 Cash Management Bill SOV 0.00 - 7.14 7.14
equal Reserve Bank of India 91-D 16/01/2020 Treasury Bills SOV 0.00 - 5.46 5.46
new HDFC 317-D 24/01/2020 Commercial Paper A1+ 0.00 - 3.79 3.79
new Tata Steel 27-D 26/12/2019 Commercial Paper A1+ 0.00 - 2.38 2.38
equal Vedanta 74-D 09/12/2019 Commercial Paper A1+ 0.00 - 2.91 2.29
new Reserve Bank of India 91-D 20/02/2020 Treasury Bills SOV 0.00 - 2.13 2.13
new JM Financial Products 7-D 04/12/2019 Commercial Paper A1+ 0.00 - 2.00 2.00
new 6.35% GOI 21/01/2020 GOI Securities SOV 0.00 - 1.89 1.89
new Reliance Jio Infocomm 90-D 27/02/2020 Commercial Paper A1+ 0.00 - 1.89 1.89
equal Reserve Bank of India 91-D 05/12/2019 Treasury Bills SOV 0.00 - 2.35 1.84
new Indian Oil Corp. 55-D 31/12/2019 Commercial Paper A1+ 0.00 - 1.52 1.52
equal Reliance Jio Infocomm 79-D 13/12/2019 Commercial Paper A1+ 0.00 - 1.82 1.43
new JM Financial Capital 7-D 04/12/2019 Commercial Paper A1+ 0.00 - 1.43 1.43
equal Tata Motors Finance 51-D 20/12/2019 Commercial Paper A1+ 0.00 - 1.43 1.43
equal HDFC 321-D 05/12/2019 Commercial Paper A1+ 0.00 - 1.70 1.34
equal L&T Finance 88-D 16/12/2019 Commercial Paper A1+ 0.00 - 1.70 1.33
equal Reserve Bank of India 91-D 19/12/2019 Treasury Bills SOV 0.00 - 1.70 1.33
new Reserve Bank of India 91-D 23/01/2020 Treasury Bills SOV 0.00 - 1.21 1.21
equal Apollo Tyres 36-D 06/12/2019 Commercial Paper A1+ 0.00 - 0.95 0.95
equal Andhra Bank 2019 Certificate of Deposit A1+ 0.00 - 1.22 0.95
new Reliance Jio Infocomm 85-D 04/02/2020 Commercial Paper A1+ 0.00 - 0.95 0.95
new BPCL 54-D 30/12/2019 Commercial Paper A1+ 0.00 - 0.95 0.95
equal Bajaj Housing Finance 91-D 12/12/2019 Commercial Paper A1+ 0.00 - 1.22 0.95

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-Nov-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 13-Dec-2019

Growth: ₹ 3,043.5610

Dividend Weekly: ₹ 1,061.9716

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Dividend Fortnightly: ₹ 1,013.6595

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 0.007% for redemption between 1 - 1 days
0.0065% for redemption between 2 - 2 days
0.006% for redemption between 3 - 3 days
0.0055% for redemption between 4 - 4 days
0.005% for redemption between 5 - 5 days
0.0045% for redemption between 6 - 6 days

Basic Details

Fund House: SBI Mutual Fund
Launch Date: 22-Mar-2007
Benchmark: CRISIL Liquid
Riskometer: Low
Type: Open-ended
Assets: ₹ 52,375 Cr (As on 30-Nov-2019)
Expense: 0.26% (As on 31-Oct-2019)
Risk Grade: --
Return Grade: Below Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Daily12-Dec-20190.0869

 11-Dec-20190.0995
 10-Dec-20190.1098
 09-Dec-20190.1106
 08-Dec-20190.1107
 07-Dec-20190.1035
 06-Dec-20190.1034
 05-Dec-20190.1065
 04-Dec-20190.0407
 03-Dec-20190.1097
 02-Dec-20190.0969
 01-Dec-20190.1053
 30-Nov-20190.1016
 29-Nov-20190.1016
 28-Nov-20190.1268
 27-Nov-20190.1116
 26-Nov-20190.1215
 25-Nov-20190.0989
 24-Nov-20190.1035
 23-Nov-20190.1003
 22-Nov-20190.1003
 21-Nov-20190.1023
 20-Nov-20190.0969
 19-Nov-20190.1161
 18-Nov-20190.1056
Dividend Fortnightly29-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
 25-Jan-20191.9601
 11-Jan-20192.0467
 28-Dec-20181.9799
Dividend Weekly06-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
 19-Jul-20190.9500
 12-Jul-20190.9356
 05-Jul-20190.9997
 28-Jun-20190.9342
 21-Jun-20190.9248

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

Upcoming Video

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Why you should ditch dividend plans

dateFriday, 20-Dec-2019
time12:30 PM - 01:00 PM