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3 star

SBI Liquid Fund


Debt: Liquid

1 Lakh

Investment Grown to
₹ 1.05 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.23 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 2.92 0.01 0.06 0.26 0.95 2.34 5.09 6.42 6.78 7.45 7.85
CCIL T Bill Liquidity Weight 2.20 -0.03 0.05 0.13 0.64 1.77 3.58 4.06 4.26 4.76 4.78
Debt: Liquid 2.72 0.01 0.06 0.26 0.88 2.15 4.82 6.21 6.60 7.33 7.74
Rank within category 14 33 26 23 14 14 17 24 23 25 20
Number of funds in category 42 42 42 42 42 42 42 36 35 34 31

As on 10-Aug-2020

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 5.09 6.42 6.78 0.26 56,033
ICICI Prudential Liquid Fund  | Invest Now
4 star
Nov-05 5.20 6.51 6.87 0.32 57,335
Aditya Birla Sun Life Liquid Fund  | Invest Online
4 star
Mar-04 5.24 6.57 6.91 0.30 38,375
Axis Liquid Fund  | Invest Online
4 star
Oct-09 5.20 6.56 6.90 0.22 29,515
Nippon India Liquid Fund  | Invest Online
5 star
Dec-03 5.21 6.57 6.90 0.28 29,334

Best & Worst Performance

Best (Period) Worst (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) 0.89 (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 6.27 0.32 3.28 4.14 0.58 1.74
CCIL T Bill Liquidity Weight 4.03 0.29 -4.08 -7.51 -- --
Debt: Liquid 6.07 0.50 2.77 3.47 0.65 1.62
Rank within category 25 10 17 17 19 21
Number of funds in category 36 36 36 36 36 36

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

As on 31-Jul-2020

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 63 115 63 33
Modified Duration (yrs) 0.13 0.14 0.08 --
Average Maturity (yrs) 0.16 0.16 0.08 --
Yield to Maturity (%) 3.40 6.03 3.40 --

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 84-D 20/08/2020 Treasury Bills SOV 0.00 - 20.60 18.71
up Reserve Bank of India 91-D 24/09/2020 Treasury Bills SOV 0.00 - 11.71 11.07
equal HDFC 88-D 10/08/2020 Commercial Paper A1+ 0.00 - 5.89 5.35
new Reserve Bank of India 91-D 15/10/2020 Treasury Bills SOV 0.00 - 5.32 5.32
equal Reserve Bank of India 91-D 03/09/2020 Treasury Bills SOV 0.00 - 5.09 4.63
equal Hindustan Aeronautics 90-D 15/09/2020 Commercial Paper A1+ 0.00 - 3.91 3.55
equal Reserve Bank of India 91-D 27/08/2020 Treasury Bills SOV 0.00 - 3.85 3.50
equal Reserve Bank of India 364-D 14/08/2020 Treasury Bills SOV 0.00 - 2.99 2.71
equal Reserve Bank of India 182-D 20/08/2020 Treasury Bills SOV 0.00 - 2.86 2.60
new Reserve Bank of India 91-D 29/10/2020 Treasury Bills SOV 0.00 - 2.48 2.48
equal Reserve Bank of India 91-D 13/08/2020 Treasury Bills SOV 0.00 - 2.55 2.32
new Reliance Industries 91-D 29/10/2020 Commercial Paper A1+ 0.00 - 2.21 2.21
equal Reliance Jio Infocomm 89-D 09/09/2020 Commercial Paper A1+ 0.00 - 2.35 2.13
new Reserve Bank of India 364-D 10/09/2020 Treasury Bills SOV 0.00 - 2.03 2.03
equal L&T Infrastructre Finance 90-D 10/09/2020 Commercial Paper A1+ 0.00 - 1.96 1.78
equal Reserve Bank of India 91-D 07/08/2020 Treasury Bills SOV 0.00 - 1.90 1.73
equal Nabha Power 91-D 04/09/2020 Commercial Paper A1+ 0.00 - 1.37 1.24
new Indian Oil Corp. 40-D 08/09/2020 Commercial Paper A1+ 0.00 - 1.11 1.11
equal Nabha Power 91-D 11/09/2020 Commercial Paper A1+ 0.00 - 1.07 0.98
new Bharti Airtel 34-D 06/08/2020 Commercial Paper A1+ 0.00 - 0.98 0.98
new Reserve Bank of India 364-D 15/10/2020 Treasury Bills SOV 0.00 - 0.89 0.89
equal Reserve Bank of India 91-D 17/09/2020 Treasury Bills SOV 0.00 - 0.98 0.89
equal Tata Motors Finance 90-D 26/08/2020 Commercial Paper A1+ 0.00 - 0.98 0.89
equal Reserve Bank of India 182-D 27/08/2020 Treasury Bills SOV 0.00 - 0.98 0.89
new Reliance Jio Infocomm 91-D 19/10/2020 Commercial Paper A1+ 0.00 - 0.89 0.89

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-Jul-2020

*As on 30-Jun-2020

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 10-Aug-2020

Growth: ₹ 3,140.0314

Dividend Weekly: ₹ 1,077.7799

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Dividend Fortnightly: ₹ 1,030.4995

Dividend Daily: ₹ 1,018.2984


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 (₹) 2,000
Minimum No of Cheques 6
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: 7.53%
Benchmark: CRISIL Liquid
Riskometer: Low
Type: Open-ended
Assets: ₹ 56,033 Cr (As on 31-Jul-2020)
Expense: 0.26% (As on 30-Jun-2020)
Risk Grade: --
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend 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
Dividend 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
Dividend 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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