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4 star

PGIM India Insta Cash Fund

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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 2.99 0.01 0.06 0.29 0.80 1.65 3.23 4.83 5.69 6.38 7.25
CCIL T Bill Liquidity Weight 1.85 0.00 0.04 0.19 0.43 1.06 2.01 3.22 3.53 3.99 4.48
Debt: Liquid 2.94 0.01 0.06 0.29 0.79 1.62 3.19 4.68 5.49 6.18 7.10
Rank within category 13 38 34 23 19 17 15 7 7 5 8
Number of funds in category 39 40 40 40 40 40 39 36 35 34 33

As on 02-Dec-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
PGIM India Insta Cash Fund  | Invest Online
4 star
 Sep-07 3.23 4.83 5.69 0.25% 615
ICICI Prudential Liquid Fund  | Invest Now
4 star
 Nov-05 3.19 4.80 5.66 0.32% 35,561
Aditya Birla Sun Life Liquid Fund  | Invest Online
4 star
 Mar-04 3.22 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 4.83 5.71 0.26% 22,877

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 0.40 24-Mar-2020 - 31-Mar-2020 -0.15 17-Mar-2020 - 24-Mar-2020
Month 0.93 08-Aug-2013 - 09-Sep-2013 0.15 23-Feb-2020 - 24-Mar-2020
Quarter 2.66 24-Jul-2013 - 23-Oct-2013 0.72 23-Oct-2020 - 22-Jan-2021
Year 9.92 12-Aug-2011 - 13-Aug-2012 3.18 29-Oct-2020 - 29-Oct-2021

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 4.74 0.49 1.93 11.77 1.03 1.58
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 7 32 7 15 22 9
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 18 25 14 35
Modified Duration (yrs) 0.06 0.12 0.06 --
Average Maturity (yrs) 0.06 0.12 0.06 --
Yield to Maturity (%) 3.63 3.63 2.97 --
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 182-D 12/11/2021 Treasury Bills SOV 0.00 - 12.99 12.99
new 8.79% GOI 2021 Central Government Loan SOV 0.00 - 8.14 8.14
new Bajaj Finance Commercial Paper A1+ 0.00 - 8.12 8.12
equal TV18 Broadcast 91-D 16/11/2021 Commercial Paper A1+ 0.00 - 8.12 8.12
equal Reliance Jio Infocomm 91-D 10/11/2021 Commercial Paper A1+ 0.00 - 8.12 8.12
equal Indian Oil Corporation Commercial Paper A1+ 0.00 - 8.31 8.10
new Larsen & Toubro 67-D 28/12/2021 Commercial Paper A1+ 0.00 - 8.08 8.08
new Berger Paints India 62-D 29/12/2021 Commercial Paper A1+ 0.00 - 8.08 8.08
equal Aditya Birla Money 90-D 25/11/2021 Commercial Paper A1+ 0.00 - 6.65 6.65
new Infina Finance Commercial Paper A1+ 0.00 - 4.87 4.87
equal Reserve Bank of India 182-D 18/11/2021 Treasury Bills SOV 0.00 - 6.01 4.06
new Reliance Industries 146-D 20/12/2021 Commercial Paper A1+ 0.00 - 4.04 4.04
new National Bank Agr. Rur. Devp 89-D 25/01/2022 Commercial Paper A1+ 0.00 - 4.03 4.03
equal Reliance Industries 91-D 01/11/2021 Commercial Paper A1+ 0.00 - 1.63 1.63
equal 6.99% Ultratech Cement 24/11/2021 Debenture AAA 0.00 - 0.81 0.81
new Reserve Bank of India 182-D 23/12/2021 Treasury Bills SOV 0.00 - 0.81 0.81
new Reserve Bank of India 91-D 09/12/2021 Treasury Bills SOV 0.00 - 0.81 0.81
new National Bank Agr. Rur. Devp 90-D 12/01/2022 Commercial Paper A1+ 0.00 - 0.81 0.81

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

— Kumaresh Ramakrishnan since 01-Jan-2011

Education: Mr. Ramakrishnan is a B.E from Mumbai University and MBA from NMIMS (Mumbai).

Experience: Prior to joining PGIM India Mutual Fund he has worked with DWS AMC, Societe Generale and CARE.

Funds Managed:

— Kunal Jain since 05-Jan-2018

Education: Mr. Jain is a B.Com and MBA (Marketing).

Experience: Prior to joining PGIM India Mutual Fund, he has worked with Indiabulls AMC Ltd. as Fund Manager, LIC Nomura AMC Ltd. as Fund manager and Kotak Mahindra AMC Ltd. as Fixed Income Dealer.

Funds Managed:

Invest Online
0.01%

Change from previous, NAV as on 02-Dec-2021

Growth: ₹ 272.1305

IDCW Weekly: ₹ 100.5571

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IDCW Monthly: ₹ 108.5071

IDCW Daily: ₹ 100.3040

Bonus: ₹ 186.0400

Investment Strategy

The scheme aims to generate steady returns with high liquidity by investing in a portfolio of short-term , high quality money market and debt instruments. The fund would invest atleast 80% of the corpus in instruments with average maturity upto one year upto 20% of the corpus in instruments with average maturity greater than an year.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 1,000
Minimum No of Cheques 5
Minimum Withdrawal (₹) 1,000
Minimum Balance (₹) 1
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: PGIM India Mutual Fund
Launch Date: 05-Sep-2007
Return Since Launch: 7.28%
Benchmark: CRISIL Liquid Fund Index
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 615 Cr (As on 31-Oct-2021)
Expense: 0.25% (As on 31-Oct-2021)
Risk Grade: --
Return Grade: Above Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily01-Dec-20210.0086

 30-Nov-20210.0085
 29-Nov-20210.0086
 28-Nov-20210.0093
 27-Nov-20210.0094
 26-Nov-20210.0075
 25-Nov-20210.0116
 24-Nov-20210.0098
 23-Nov-20210.0090
 22-Nov-20210.0082
 21-Nov-20210.0097
 20-Nov-20210.0096
 19-Nov-20210.0097
 18-Nov-20210.0086
 17-Nov-20210.0097
 16-Nov-20210.0096
 15-Nov-20210.0091
 14-Nov-20210.0095
 13-Nov-20210.0096
 12-Nov-20210.0076
 11-Nov-20210.0118
 10-Nov-20210.0089
 09-Nov-20210.0130
 08-Nov-20210.0142
 07-Nov-20210.0106
IDCW Monthly26-Nov-20210.2850

 29-Oct-20210.2850
 24-Sep-20210.2850
 27-Aug-20210.2850
 30-Jul-20210.2850
 25-Jun-20210.2800
 28-May-20210.2800
 30-Apr-20210.2800
 26-Mar-20210.2800
 26-Feb-20210.2800
 29-Jan-20210.2800
 24-Dec-20200.2800
 27-Nov-20200.2800
 29-Oct-20200.2800
 25-Sep-20200.3500
 28-Aug-20200.3500
 31-Jul-20200.4200
 30-Jun-20200.4700
 29-May-20200.4700
 24-Apr-20200.4700
 27-Mar-20200.3386
 28-Feb-20200.3386
 31-Jan-20200.3386
 27-Dec-20190.3386
 29-Nov-20190.3386
IDCW Weekly26-Nov-20210.0754

 18-Nov-20210.0562
 12-Nov-20210.0980
 03-Nov-20210.0506
 29-Oct-20210.0452
 22-Oct-20210.0593
 14-Oct-20210.0585
 08-Oct-20210.0696
 01-Oct-20210.0552
 24-Sep-20210.0542
 17-Sep-20210.0688
 09-Sep-20210.0475
 03-Sep-20210.0632
 27-Aug-20210.0644
 20-Aug-20210.0632
 13-Aug-20210.0703
 06-Aug-20210.0606
 30-Jul-20210.0615
 23-Jul-20210.0662
 16-Jul-20210.0643
 09-Jul-20210.0604
 02-Jul-20210.0643
 25-Jun-20210.0717
 18-Jun-20210.0569
 11-Jun-20210.0636
IDCW Quarterly28-Jun-20191.5847

 25-Mar-20191.5847
 28-Dec-20181.5847
 28-Sep-20181.5847
 28-Jun-20181.5847
 23-Mar-20181.5890
 29-Dec-20171.5890
 28-Sep-20171.5890
 29-Jun-20171.6251
 24-Mar-20171.4445
 29-Dec-20161.4445
IDCW Yearly23-Mar-20187.2227

 24-Mar-20171.4445
 28-Mar-20146.5459

Contact Information

AMC: PGIM India Asset Management Pvt. Ltd.

Address: 4th Floor, C Wing, Laxmi Towers, Bandra Kurla Complex, Bandra (East), Mumbai - 400051

Phone: 022-61593000 / 1800-266-2667

Email: [email protected]

Website: https://www.pgimindiamf.com

Registrar & Transfer Agent: KFin Technologies Pvt Ltd.

Address: 303, Vamsee Estates, Opp. Big Bazaar, Ameerpet, Hyderabad - 500016

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

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