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HDFC Liquid Fund

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Debt: Liquid

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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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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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(₹)
cal
cal

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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 3.54 0.01 0.06 0.28 0.80 1.76 4.53 6.16 6.56 7.23 7.76
CCIL T Bill Liquidity Weight 2.74 0.03 0.07 0.27 0.61 1.26 3.37 3.98 4.14 4.58 4.76
Debt: Liquid 3.39 0.01 0.06 0.28 0.81 1.72 4.36 6.00 6.41 7.10 7.68
Rank within category 21 13 21 18 26 23 23 26 24 25 22
Number of funds in category 42 42 42 42 42 42 42 36 35 34 31

As on 23-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 4.53 6.16 6.56 0.30 63,544
ICICI Prudential Liquid Fund  | Invest Now
4 star
 Nov-05 4.71 6.29 6.68 0.32 44,170
Aditya Birla Sun Life Liquid Fund  | Invest Online
5 star
 Mar-04 4.74 6.35 6.72 0.31 32,611
Nippon India Liquid Fund  | Invest Online
5 star
 Dec-03 4.70 6.35 6.72 0.30 24,930
Axis Liquid Fund
4 star
 Oct-09 4.72 6.34 6.71 0.25 24,817

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 79 210 79 36
Modified Duration (yrs) 0.12 0.15 0.08 0.10
Average Maturity (yrs) 0.12 0.16 0.08 0.09
Yield to Maturity (%) 3.36 5.41 3.36 3.38
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
down Reserve Bank of India 91-D 19/11/2020 Treasury Bills SOV 0.00 - 17.87 17.87
up Reserve Bank of India 182-D 12/11/2020 Treasury Bills SOV 0.00 - 7.32 7.32
down National Bank Agr. Rur. Devp 89-D 10/11/2020 Commercial Paper A1+ 0.00 - 4.39 4.39
equal Reliance Jio Infocomm 91-D 16/10/2020 Commercial Paper A1+ 0.00 - 3.93 3.93
down Reserve Bank of India 91-D 05/11/2020 Treasury Bills SOV 0.00 - 3.81 3.14
equal NTPC 91-D 18/11/2020 Commercial Paper A1+ 0.00 - 3.13 3.13
equal Reliance Industries 85-D 20/11/2020 Commercial Paper A1+ 0.00 - 3.13 3.13
down National Bank Agr. Rur. Devp 91-D 27/11/2020 Commercial Paper A1+ 0.00 - 2.90 2.90
down Reserve Bank of India 91-D 12/11/2020 Treasury Bills SOV 0.00 - 1.87 1.87
equal BPCL 85-D 30/10/2020 Commercial Paper A1+ 0.00 - 1.82 1.82
equal Reliance Industries 91-D 27/11/2020 Commercial Paper A1+ 0.00 - 1.57 1.57
equal HPCL 82-D 27/10/2020 Commercial Paper A1+ 0.00 - 1.57 1.57
equal Reserve Bank of India 182-D 06/11/2020 Treasury Bills SOV 0.00 - 1.57 1.57
equal NTPC 91-D 02/11/2020 Commercial Paper A1+ 0.00 - 1.57 1.57
equal Export-Import Bank 91-D 23/11/2020 Certificate of Deposit A1+ 0.00 - 1.49 1.49
equal Reserve Bank of India 364-D 12/11/2020 Treasury Bills SOV 0.00 - 1.47 1.47
equal Indian Oil Corp. 55-D 12/10/2020 Commercial Paper A1+ 0.00 - 1.41 1.41
up Reserve Bank of India 182-D 19/11/2020 Treasury Bills SOV 0.00 - 1.28 1.28
equal Reliance Industries 90-D 27/10/2020 Commercial Paper A1+ 0.00 - 1.14 1.14
equal NTPC 91-D 23/10/2020 Commercial Paper A1+ 0.00 - 1.10 1.10
new Reserve Bank of India 91-D 24/12/2020 Treasury Bills SOV 0.00 - 1.02 1.02
new Tata Teleservices (Mah) 88-D 04/12/2020 Commercial Paper A1+ 0.00 - 1.01 1.01
down Reliance Industries 91-D 09/11/2020 Commercial Paper A1+ 0.00 - 0.99 0.98
new 8.12% GOI 2020 Central Government Loan SOV 0.00 - 0.92 0.92
up NTPC 91-D 24/11/2020 Commercial Paper A1+ 0.00 - 0.85 0.85

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 30-Sep-2020

Fund Manager

— Anand Laddha since 21-Oct-2020

Education: Mr. Laddha has done B.Com. and CA

Experience: Prior to joining HDFC Asset Management Company Limited, he has worked with Refco-Sify Securities India Pvt. Ltd. Last Position Held - AVP - FII Equity & Derivative Sales. Alchemy Share & Stock Brokers Pvt. Ltd. Last Position Held - Equity & Derivative Sales.

Funds Managed:

— 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:

Invest Online
0.01%

Change from previous, NAV as on 25-Oct-2020

Growth: ₹ 3,966.9928

Dividend Weekly: ₹ 1,031.5666

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Dividend Monthly: ₹ 1,028.9053

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: 7.12%
Benchmark: CRISIL Liquid TRI
Riskometer: Low
Type: Open-ended
Assets: ₹ 63,544 Cr (As on 30-Sep-2020)
Expense: 0.30% (As on 30-Sep-2020)
Risk Grade: --
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Daily22-Oct-20200.0857

 21-Oct-20200.0777
 20-Oct-20200.1022
 19-Oct-20200.1029
 18-Oct-20200.0971
 16-Oct-20200.1647
 15-Oct-20200.0992
 14-Oct-20200.0993
 13-Oct-20200.1143
 12-Oct-20200.1133
 11-Oct-20200.0981
 09-Oct-20200.1701
 08-Oct-20200.0995
 07-Oct-20200.0883
 06-Oct-20200.0958
 05-Oct-20200.1018
 04-Oct-20200.0877
 01-Oct-20200.2614
 30-Sep-20200.0870
 29-Sep-20200.1808
 28-Sep-20200.0964
 27-Sep-20200.1023
 25-Sep-20200.1786
 24-Sep-20200.0927
 23-Sep-20200.0757
Dividend Weekly19-Oct-20200.6956

 12-Oct-20200.6609
 05-Oct-20200.7214
 28-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
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

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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