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3 star

HDFC 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 3.33 0.01 0.07 0.25 0.78 1.91 4.67 6.22 6.62 7.29 7.78
CCIL T Bill Liquidity Weight 2.58 0.06 0.12 0.22 0.59 1.51 3.45 3.98 4.16 4.64 4.77
Debt: Liquid 3.22 0.01 0.07 0.26 0.80 1.86 4.54 6.06 6.47 7.16 7.70
Rank within category 23 18 17 29 27 24 23 26 24 25 22
Number of funds in category 40 40 40 40 40 40 40 36 35 34 31

As on 01-Oct-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
HDFC Liquid Fund  | Invest Online
3 star
Oct-00 4.67 6.22 6.62 0.30 80,165
ICICI Prudential Liquid Fund  | Invest Now
4 star
Nov-05 4.86 6.36 6.73 0.32 54,052
Aditya Birla Sun Life Liquid Fund  | Invest Online
5 star
Mar-04 4.89 6.41 6.78 0.31 39,810
Axis Liquid Fund  | Invest Online
4 star
Oct-09 4.87 6.40 6.76 0.22 28,818
UTI Liquid Cash Fund - Regular Plan  | Invest Online
4 star
Dec-03 4.75 6.35 6.73 0.24 27,459

Best & Worst Performance

Best (Period) Worst (Period)
Week 0.49 (24-Mar-2020 - 31-Mar-2020) -0.18 (17-Mar-2020 - 24-Mar-2020)
Month 0.97 (22-Mar-2012 - 23-Apr-2012) 0.15 (23-Feb-2020 - 24-Mar-2020)
Quarter 2.63 (24-Jul-2013 - 23-Oct-2013) 0.77 (25-Jun-2020 - 24-Sep-2020)
Year 9.77 (26-Jul-2013 - 27-Jul-2014) 4.24 (29-Sep-2003 - 28-Sep-2004)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 6.06 0.39 2.57 3.37 0.77 1.89
CCIL T Bill Liquidity Weight 3.90 0.32 -3.63 -6.95 -- --
Debt: Liquid 5.91 0.56 2.34 3.12 0.78 1.75
Rank within category 26 16 26 26 24 21
Number of funds in category 36 36 36 35 36 36

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

As on 30-Sep-2020

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 108 210 108 42
Modified Duration (yrs) 0.15 0.15 0.08 0.08
Average Maturity (yrs) 0.15 0.16 0.08 0.08
Yield to Maturity (%) 3.38 5.69 3.38 3.31
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
new Reserve Bank of India 91-D 19/11/2020 Treasury Bills SOV 0.00 - 14.24 14.24
equal Reserve Bank of India 91-D 01/10/2020 Treasury Bills SOV 0.00 - 6.84 6.84
new Reserve Bank of India 182-D 12/11/2020 Treasury Bills SOV 0.00 - 5.73 5.73
new Reserve Bank of India 91-D 05/11/2020 Treasury Bills SOV 0.00 - 3.81 3.81
new National Bank Agr. Rur. Devp 89-D 10/11/2020 Commercial Paper A1+ 0.00 - 3.72 3.72
equal Reliance Jio Infocomm 91-D 16/10/2020 Commercial Paper A1+ 0.00 - 3.11 3.11
equal Reserve Bank of India 91-D 17/09/2020 Treasury Bills SOV 0.00 - 2.50 2.50
new NTPC 91-D 18/11/2020 Commercial Paper A1+ 0.00 - 2.48 2.48
new Reliance Industries 85-D 20/11/2020 Commercial Paper A1+ 0.00 - 2.48 2.48
new National Bank Agr. Rur. Devp 91-D 27/11/2020 Commercial Paper A1+ 0.00 - 2.48 2.48
up Reserve Bank of India 91-D 29/10/2020 Treasury Bills SOV 0.00 - 2.36 2.36
equal Export-Import Bank 91-D 28/09/2020 Certificate of Deposit A1+ 0.00 - 1.56 1.56
new Reserve Bank of India 91-D 12/11/2020 Treasury Bills SOV 0.00 - 1.49 1.49
equal 6.98% National Bank Agr. Rur. Devp 30/09/2020 Debenture AAA 0.00 - 1.48 1.48
new BPCL 85-D 30/10/2020 Commercial Paper A1+ 0.00 - 1.44 1.44
new Indian Oil Corp. 50-D 25/09/2020 Commercial Paper A1+ 0.00 - 1.37 1.37
equal Reserve Bank of India 91-D 22/10/2020 Treasury Bills SOV 0.00 - 1.37 1.37
equal National Housing Bank 88-D 25/09/2020 Commercial Paper A1+ 0.00 - 1.24 1.24
equal IRFC 80-D 09/10/2020 Commercial Paper A1+ 0.00 - 1.24 1.24
new Reserve Bank of India 182-D 06/11/2020 Treasury Bills SOV 0.00 - 1.24 1.24
equal Reserve Bank of India 91-D 08/10/2020 Treasury Bills SOV 0.00 - 1.24 1.24
new NTPC 91-D 02/11/2020 Commercial Paper A1+ 0.00 - 1.24 1.24
new Reliance Industries 91-D 27/11/2020 Commercial Paper A1+ 0.00 - 1.24 1.24
new HPCL 82-D 27/10/2020 Commercial Paper A1+ 0.00 - 1.24 1.24
new Reserve Bank of India 182-D 29/10/2020 Treasury Bills SOV 0.00 - 1.18 1.18

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-Aug-2020

Fund Manager

— Anupam Joshi since 27-Oct-2015

Education: Mr. Joshi is a PGDM in Business Management.

Experience: Prior to joining HDFC Mutual Fund he has worked with IDFC AMC, Principal Asset Management Company and ICAP India Pvt. Ltd.

Funds Managed:


0.01%

Change from previous, NAV as on 01-Oct-2020

Growth: ₹ 3,958.3633

Dividend Weekly: ₹ 1,031.3983

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Dividend Monthly: ₹ 1,026.6668

Dividend Daily: ₹ 1,019.8200


Investment Strategy

The scheme seeks to generate income through a portfolio comprising money market and debt instruments.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) --
Minimum No of Cheques --
Minimum Withdrawal (₹) 5,000
Minimum Balance (₹) 1
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: HDFC Mutual Fund
Launch Date: 17-Oct-2000
Return Since Launch: 7.13%
Benchmark: CRISIL Liquid
Riskometer: Low
Type: Open-ended
Assets: ₹ 80,165 Cr (As on 31-Aug-2020)
Expense: 0.30% (As on 31-Aug-2020)
Risk Grade: --
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Daily29-Sep-20200.1808

 28-Sep-20200.0964
 27-Sep-20200.1023
 25-Sep-20200.1786
 24-Sep-20200.0927
 23-Sep-20200.0757
 22-Sep-20200.0897
 21-Sep-20200.0690
 20-Sep-20200.0703
 18-Sep-20200.1694
 17-Sep-20200.0781
 16-Sep-20200.0989
 15-Sep-20200.0814
 14-Sep-20200.0800
 13-Sep-20200.1112
 11-Sep-20200.1711
 10-Sep-20200.0309
 09-Sep-20200.0713
 08-Sep-20200.0531
 07-Sep-20200.0433
 06-Sep-20200.0860
 04-Sep-20200.1683
 03-Sep-20200.0790
 02-Sep-20200.0833
 01-Sep-20200.0980
Dividend Monthly28-Sep-20202.3275

 31-Aug-20203.1002
 27-Jul-20202.4982
 29-Jun-20203.1480
 26-May-20204.0369
 27-Apr-202010.5420
 24-Feb-20202.9131
 27-Jan-20202.7418
 30-Dec-20193.5250
 25-Nov-20192.8154
 29-Oct-20193.2618
 30-Sep-20193.8829
 26-Aug-20193.4424
 29-Jul-20194.6036
 24-Jun-20193.8784
 27-May-20193.9916
 30-Apr-20195.4188
 25-Mar-20193.9812
 25-Feb-20193.8716
 28-Jan-20194.0468
 31-Dec-20185.2024
 26-Nov-20184.3090
 29-Oct-20185.0779
 24-Sep-20183.8944
 27-Aug-20183.8909
Dividend Weekly28-Sep-20200.6152

 21-Sep-20200.5845
 14-Sep-20200.4863
 07-Sep-20200.6498
 31-Aug-20200.5344
 24-Aug-20200.6066
 17-Aug-20200.6923
 10-Aug-20200.6791
 03-Aug-20200.5981
 27-Jul-20200.6256
 20-Jul-20200.5748
 13-Jul-20200.6480
 06-Jul-20200.6580
 29-Jun-20200.7060
 22-Jun-20200.7609
 15-Jun-20200.8134
 08-Jun-20200.5109
 01-Jun-20200.3680
 26-May-20201.1421
 18-May-20201.2238
 11-May-20201.0999
 04-May-20200.5839
 27-Apr-20200.9807
 20-Apr-20201.3415
 13-Apr-20200.8386

Contact Information

AMC: HDFC Asset Management Company Ltd

Address: "HDFC House"-2nd Floor, H.T. Parekh Marg - 165-166, Backbay Reclamation, Churchgate Mumbai - 400020

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 022-22821144

Website: http://www.hdfcfund.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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