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PGIM India Insta Cash 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 0.78 0.01 0.10 0.45 1.31 2.77 6.38 6.88 7.28 7.79 7.95
CCIL T Bill Liquidity Weight 0.52 -0.03 0.04 0.28 0.83 1.77 4.03 4.10 4.46 4.76 4.71
Debt: Liquid 0.75 0.01 0.09 0.43 1.25 2.62 6.04 6.56 6.98 7.58 7.77
Rank within category 10 9 13 8 8 7 6 3 3 10 7
Number of funds in category 42 42 42 42 42 42 41 36 35 34 29

As on 24-Feb-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 0.27 (30-Mar-2012 - 08-Apr-2012) -0.13 (09-Jul-2013 - 16-Jul-2013)
Month 0.93 (08-Aug-2013 - 09-Sep-2013) 0.30 (06-Jan-2010 - 05-Feb-2010)
Quarter 2.66 (24-Jul-2013 - 23-Oct-2013) 0.95 (23-Nov-2009 - 22-Feb-2010)
Year 9.92 (12-Aug-2011 - 13-Aug-2012) 4.44 (01-Jun-2009 - 01-Jun-2010)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 6.70 0.22 4.75 6.86 0.37 1.62
CCIL T Bill Liquidity Weight 4.06 0.27 -6.06 -10.48 -- --
Debt: Liquid 6.34 0.51 3.67 6.02 0.52 1.51
Rank within category 3 13 5 11 22 6
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-Jan-2020

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 30 31 14 55
Modified Duration (yrs) 0.07 0.15 0.06 0.08
Average Maturity (yrs) 0.08 0.15 0.07 0.09
Yield to Maturity (%) 5.35 7.48 5.35 5.35

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
new Indusind Bank 2020 Certificate of Deposit A1+ 0.00 - 6.89 6.89
new Indian Oil Corp. 42-D 17/02/2020 Commercial Paper A1+ 0.00 - 6.88 6.88
new 8.43% HDFC 25/02/2020 Bonds/Debentures AAA 0.00 - 5.99 5.99
new SIDBI 2020 Certificate of Deposit A1+ 0.00 - 5.28 5.28
new Reliance Jio Infocomm 85-D 04/02/2020 Commercial Paper A1+ 0.00 - 4.60 4.60
new Chennai Petroleum Corp. 32-D 18/02/2020 Commercial Paper A1+ 0.00 - 4.59 4.59
new Berger Paints India 28-D 26/02/2020 Commercial Paper A1+ 0.00 - 4.58 4.58
new Alembic Pharmaceuticals 89-D 22/04/2020 Commercial Paper A1+ 0.00 - 4.54 4.54
new Hero FinCorp 91-D 29/04/2020 Commercial Paper A1+ 0.00 - 4.53 4.53
equal Redington India 88-D 28/02/2020 Commercial Paper A1+ 0.00 - 7.09 3.30
equal Deutsche Investments 88-D 06/03/2020 Commercial Paper A1+ 0.00 - 5.88 2.74
new IDFC First Bank 2020 Certificate of Deposit A1+ 0.00 - 2.30 2.30
new Reliance Jio Infocomm 90-D 06/02/2020 Commercial Paper A1+ 0.00 - 2.30 2.30
new 7.09% Export-Import Bank 2020 Bonds AAA 0.00 - 2.30 2.30
new Andhra Bank 2020 Certificate of Deposit A1+ 0.00 - 2.29 2.29
equal SRF 91-D 28/02/2020 Commercial Paper A1+ 0.00 - 5.18 2.29
new National Bank Agr. Rur. Devp 2020 Certificate of Deposit A1+ 0.00 - 2.29 2.29
new ICICI Bank 18/02/2020 Certificate of Deposit A1+ 0.00 - 2.29 2.29
new HDFC Bank 2020 Certificate of Deposit A1+ 0.00 - 2.29 2.29
new Blue Star 35-D 28/02/2020 Commercial Paper A1+ 0.00 - 2.29 2.29
equal Reliance Jio Infocomm 90-D 27/02/2020 Commercial Paper A1+ 0.00 - 5.18 2.29
equal Network 18 Media & Inv 91-D 20/03/2020 Commercial Paper A1+ 0.00 - 4.91 2.28
new Axis Bank 2020 Certificate of Deposit A1+ 0.00 - 1.83 1.83
new Reserve Bank of India 63-D 17/03/2020 Treasury Bills SOV 0.00 - 1.42 1.42
new ICICI Bank 23/03/2020 Certificate of Deposit A1+ 0.00 - 0.55 0.55

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-Jan-2020

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:


0.01%

Change from previous, NAV as on 24-Feb-2020

Growth: ₹ 255.6030

Dividend Weekly: ₹ 100.5616

More

Dividend Monthly: ₹ 109.1125

Dividend Daily: ₹ 100.3040

Bonus: ₹ 174.7411


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 (₹) 100
Minimum Addl Investment (₹) 100
Minimum SIP Investment (₹) 100
Minimum No of Cheques 60
Minimum Withdrawal (₹) 100
Minimum Balance (₹) 1
Exit Load 0.007% for redemption within 1 days
0.0065% for redemption between 1 - 2 days
0.006% for redemption between 2 - 3 days
0.0055% for redemption between 3 - 4 days
0.005% for redemption between 4 - 5 days
0.0045% for redemption between 5 - 6 days

Basic Details

Fund House: PGIM India Mutual Fund
Launch Date: 05-Sep-2007
Return Since Launch: 7.81%
Benchmark: CRISIL Liquid
Riskometer: Low
Type: Open-ended
Assets: ₹ 1,088 Cr (As on 31-Jan-2020)
Expense: 0.25% (As on 31-Jan-2020)
Risk Grade: --
Return Grade: High

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Daily24-Feb-20200.0102

 23-Feb-20200.0103
 22-Feb-20200.0103
 21-Feb-20200.0104
 20-Feb-20200.0079
 19-Feb-20200.0103
 18-Feb-20200.0113
 17-Feb-20200.0104
 16-Feb-20200.0104
 15-Feb-20200.0105
 14-Feb-20200.0095
 13-Feb-20200.0109
 12-Feb-20200.0127
 11-Feb-20200.0137
 10-Feb-20200.0102
 09-Feb-20200.0102
 08-Feb-20200.0102
 07-Feb-20200.0104
 06-Feb-20200.0104
 05-Feb-20200.0099
 04-Feb-20200.0097
 03-Feb-20200.0102
 02-Feb-20200.0101
 01-Feb-20200.0100
 31-Jan-20200.0098
Dividend Weekly20-Feb-20200.0707

 13-Feb-20200.0680
 07-Feb-20200.0709
 31-Jan-20200.1336
 24-Jan-20200.1797
 17-Jan-20200.0660
 10-Jan-20200.0654
 03-Jan-20200.0782
 27-Dec-20190.0731
 20-Dec-20190.0697
 13-Dec-20190.0743
 06-Dec-20190.0652
 29-Nov-20190.0813
 22-Nov-20190.0743
 15-Nov-20190.0828
 07-Nov-20190.0558
 01-Nov-20190.0813
 25-Oct-20190.0745
 18-Oct-20190.0849
 11-Oct-20190.0800
 04-Oct-20190.0965
 27-Sep-20190.0730
 20-Sep-20190.0692
 13-Sep-20190.0836
 06-Sep-20190.0828
Dividend Monthly31-Jan-20200.3386

 27-Dec-20190.3386
 29-Nov-20190.3386
 25-Oct-20190.3386
 27-Sep-20190.3602
 30-Aug-20190.3602
 25-Jul-20190.3602
 28-Jun-20190.3602
 31-May-20190.3602
 26-Apr-20190.3602
 29-Mar-20190.3602
 22-Feb-20190.3602
 25-Jan-20190.3602
 28-Dec-20180.3602
 30-Nov-20180.3602
 26-Oct-20180.3602
 28-Sep-20180.3602
 31-Aug-20180.3602
 27-Jul-20180.3602
 29-Jun-20180.3602
 25-May-20180.3602
 27-Apr-20180.3602
 23-Mar-20180.3611
 23-Feb-20180.3611
 25-Jan-20180.3611
Dividend 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
Dividend Yearly23-Mar-20187.2227

 24-Mar-20171.4445
 28-Mar-20146.5459

Contact Information

AMC: PGIM India Asset Management Pvt. Ltd.

Address: 2nd Floor - Nirlon House, Dr. Annie Besant Road, Worli, Mumbai - 400030

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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