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HDFC Liquid 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 0.77 0.01 0.09 0.43 1.26 2.65 6.19 6.67 7.13 7.72 7.82
CCIL T Bill Liquidity Weight 0.53 0.01 0.02 0.29 0.84 1.78 4.06 4.10 4.46 4.77 4.71
Debt: Liquid 0.76 0.01 0.09 0.43 1.25 2.61 6.04 6.56 6.98 7.58 7.77
Rank within category 30 35 30 27 30 28 23 28 25 23 23
Number of funds in category 42 42 42 42 42 42 41 36 35 34 29

As on 25-Feb-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 0.31 (30-Mar-2012 - 08-Apr-2012) -0.03 (09-Jul-2013 - 16-Jul-2013)
Month 0.97 (22-Mar-2012 - 23-Apr-2012) 0.29 (06-Jan-2010 - 05-Feb-2010)
Quarter 2.63 (24-Jul-2013 - 23-Oct-2013) 0.92 (13-Dec-2009 - 14-Mar-2010)
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 6.51 0.22 3.76 5.90 0.38 1.46
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 28 21 29 25 29 26
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 141 220 138 55
Modified Duration (yrs) 0.08 0.14 0.08 0.08
Average Maturity (yrs) 0.10 0.16 0.09 0.09
Yield to Maturity (%) 5.33 7.40 5.18 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
equal Reserve Bank of India 91-D 27/02/2020 Treasury Bills SOV 0.00 - 12.24 11.62
new Reserve Bank of India 70-D 17/03/2020 Treasury Bills SOV 0.00 - 9.35 9.35
new Reserve Bank of India 91-D 02/04/2020 Treasury Bills SOV 0.00 - 5.19 5.19
new Reserve Bank of India 63-D 17/03/2020 Treasury Bills SOV 0.00 - 4.95 4.95
equal IRFC 89-D 17/02/2020 Commercial Paper A1+ 0.00 - 4.13 3.92
equal Reserve Bank of India 91-D 12/03/2020 Treasury Bills SOV 0.00 - 2.75 2.61
up Reserve Bank of India 91-D 26/03/2020 Treasury Bills SOV 0.00 - 2.47 2.47
equal Export-Import Bank 91-D 05/02/2020 Commercial Paper A1+ 0.00 - 2.07 1.97
equal NTPC 91-D 28/02/2020 Commercial Paper A1+ 0.00 - 2.06 1.96
equal HDFC 2020 Non Convertible Debenture AAA 0.00 - 1.73 1.64
equal Reliance Jio Infocomm 91-D 17/02/2020 Commercial Paper A1+ 0.00 - 1.72 1.63
new 8.45% LIC Housing Fin. 2020 Non Convertible Debenture AAA 0.00 - 1.56 1.56
up 8.43% HDFC 25/02/2020 Bonds/Debentures AAA 0.00 - 1.51 1.51
equal HUDCO 91-D 17/02/2020 Commercial Paper A1+ 0.00 - 1.38 1.31
equal Reserve Bank of India 91-D 06/02/2020 Treasury Bills SOV 0.00 - 1.38 1.31
equal National Bank Agr. Rur. Devp 89-D 17/02/2020 Commercial Paper A1+ 0.00 - 1.38 1.31
equal Reliance Jio Infocomm 91-D 20/03/2020 Commercial Paper A1+ 0.00 - 1.37 1.30
equal Chennai Petroleum Corp. 34-D 03/02/2020 Commercial Paper A1+ 0.00 - 1.24 1.18
equal Reliance Jio Infocomm 88-D 27/03/2020 Commercial Paper A1+ 0.00 - 1.23 1.17
new Reserve Bank of India 76-D 17/03/2020 Cash Management Bill SOV 0.00 - 1.13 1.13
equal Reliance Retail Ltd. 91-D 04/02/2020 Commercial Paper A1+ 0.00 - 1.17 1.11
up 8.36% Power Finance Corp. 26/02/2020 Bonds AAA 0.00 - 1.06 1.06
equal Tata Teleservices (Mah) 84-D 11/03/2020 Commercial Paper A1+ 0.00 - 1.09 1.04
equal Tata Teleservices (Mah) 86-D 19/03/2020 Commercial Paper A1+ 0.00 - 1.02 0.97
new Indusind Bank 27/04/2020 Certificate of Deposit A1+ 0.00 - 0.97 0.97

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

— 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 25-Feb-2020

Growth: ₹ 3,860.0777

Dividend Weekly: ₹ 1,031.1629

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Dividend Monthly: ₹ 1,026.4327

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 (₹) 500
Minimum No of Cheques 12
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: 7.22%
Benchmark: CRISIL Liquid
Riskometer: Low
Type: Open-ended
Assets: ₹ 76,288 Cr (As on 31-Jan-2020)
Expense: 0.30% (As on 31-Jan-2020)
Risk Grade: --
Return Grade: Below Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Daily24-Feb-20200.0946

 23-Feb-20200.0989
 20-Feb-20200.3017
 19-Feb-20200.0915
 18-Feb-20200.1003
 17-Feb-20200.1001
 16-Feb-20200.1060
 14-Feb-20200.2005
 13-Feb-20200.0968
 12-Feb-20200.1129
 11-Feb-20200.1124
 10-Feb-20200.1333
 09-Feb-20200.1024
 07-Feb-20200.2015
 06-Feb-20200.1094
 05-Feb-20200.1106
 04-Feb-20200.0996
 03-Feb-20200.1075
 02-Feb-20200.0969
 31-Jan-20200.2016
 30-Jan-20200.0967
 29-Jan-20200.1078
 28-Jan-20200.0988
 27-Jan-20200.1021
 26-Jan-20200.0975
Dividend Monthly24-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
 30-Jul-20185.0457
 25-Jun-20184.1432
 28-May-20183.4194
 02-May-20185.4938
 26-Mar-20183.9383
 26-Feb-20183.6810
Dividend Weekly24-Feb-20200.7004

 17-Feb-20200.7707
 10-Feb-20200.7395
 03-Feb-20200.7120
 27-Jan-20200.7009
 20-Jan-20200.6796
 13-Jan-20200.6263
 06-Jan-20200.7440
 30-Dec-20190.7115
 23-Dec-20190.7007
 16-Dec-20190.7114
 09-Dec-20190.6200
 02-Dec-20190.7916
 25-Nov-20190.7488
 18-Nov-20190.7635
 11-Nov-20190.6433
 04-Nov-20190.6691
 29-Oct-20190.7418
 22-Oct-20190.8455
 14-Oct-20190.8104
 07-Oct-20190.8738
 30-Sep-20190.8411
 23-Sep-20190.6206
 16-Sep-20190.7950
 09-Sep-20190.7231

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: 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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