Table of Contents
SWP Calculator is a tool that helps individuals to calculate how their SWP investment will be over the tenure. SWP or Systematic Withdrawal Plan is a technique of redeeming the units or investment in Mutual Funds. In SWP, individuals invest their money in a Mutual Fund scheme and then withdraw their investments over a given tenure. SWP is generally suitable for individuals who are looking for a fixed Income over a regular tenure. The article gives you a holistic understanding of the concept of Systematic Withdrawal Plan, how does the SWP calculator work, and other related parameters.
Systematic Withdrawal Plan or SWP in Mutual Funds refers to a systematic and planned process of redeeming the units of Mutual Fund investment. The concept of SWP works in the reverse manner of SIP. In SWP, individuals invest a lump sum amount in Mutual Fund schemes that generally carry a low risk-appetite, like Liquid Funds or ultra short-term funds. The individuals then start to withdraw the invested amount at regular intervals. Individuals can customize their frequency of withdrawal such as monthly, quarterly, annually, and so on, based on their requirements. In this case, the money invested in Mutual Funds also fetches revenue for the individuals. Individuals, especially retired ones, who are looking for a regular source of income can choose to opt for Systematic Withdrawal Plan by investing in Mutual Funds.
SWP Calculator helps individuals to estimate their withdrawals in Mutual Fund investment over a given tenure. The input data that is required to be entered in the SWP calculator includes:
So, let us have a detailed understand the concept of SWP calculator with an illustration.
The calculation of the SWP table is given below as follows.
Month | Balance at the Beginning of the Month (INR) | Redemption Amount (INR) | Interest Earned (INR) | Balance at the End of the Month (INR) |
---|---|---|---|---|
1 | 1,20,000 | 10,000 | 642 | 1,10,642 |
2 | 1,10,642 | 10,000 | 587 | 1,01,229 |
3 | 1,01,229 | 10,000 | 532 | 91,761 |
4 | 91,761 | 10,000 | 477 | 82,238 |
5 | 82,238 | 10,000 | 421 | 72,659 |
6 | 72,659 | 10,000 | 366 | 63,025 |
7 | 63,025 | 10,000 | 309 | 53,334 |
8 | 53,334 | 10,000 | 253 | 43,587 |
9 | 43,587 | 10,000 | 196 | 33,783 |
10 | 33,783 | 10,000 | 139 | 23,921 |
11 | 23,921 | 10,000 | 81 | 14,003 |
12 | 14,003 | 10,000 | 23 | 4,026 |
Thus, from the above table, it can be said that the profit earned of Mutual Fund scheme by way of SWP transaction is INR 4,026.
VALUE AT END OF TENOR:₹4,597SWP Calculator
Some of the major benefits of SWP are as follows.
One of the primary advantages of SWP is that individuals can use Systematic Withdrawal Plan as a source of regular income. This is because the amount withdrawn remains constant.
SWP creates a disciplined withdrawal habit among individuals as only a fixed amount is withdrawn and the remaining money is kept invested in Mutual Funds. This prevents Capital erosion on investment. Also, the investment in Mutual Funds generates returns.
SWP acts as a substitute for pension in case of retired individuals. Retirees can assure themselves for regular income through SWP.
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SWP is generally done in Mutual Fund schemes that carry a low level of risk like liquid funds. Therefore, some of the best Mutual Fund schemes under liquid / ultrashort category having net assets higher than 1000 crore
are listed below as follows.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2022 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Savings Fund Growth ₹486.246
↑ 0.06 ₹13,711 1.6 3.4 7.1 5.2 4.8 7.75% 5M 19D 6M 7D BOI AXA Liquid Fund Growth ₹2,688.79
↑ 0.52 ₹1,499 1.7 3.5 7 5 4.9 7.07% 1M 13D 1M 13D Canara Robeco Liquid Growth ₹2,812.39
↑ 0.56 ₹3,813 1.7 3.4 7 4.9 4.9 7.09% 29D 1M 1D Axis Liquid Fund Growth ₹2,599.84
↑ 0.42 ₹26,890 1.7 3.4 7 4.9 4.9 7.14% 2M 4D 2M 4D Aditya Birla Sun Life Liquid Fund Growth ₹376.461
↑ 0.07 ₹38,715 1.7 3.4 7 4.9 4.8 7.32% 1M 13D 1M 13D UTI Liquid Cash Plan Growth ₹3,833.99
↑ 0.72 ₹22,049 1.7 3.4 7 4.9 4.8 7.1% 1M 28D 1M 28D Baroda Pioneer Liquid Fund Growth ₹2,690.26
↑ 0.51 ₹10,544 1.7 3.4 7 5 4.9 7.19% 1M 2D 1M 5D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Dec 23
The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents. Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on Objective The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments.
However there can be no assurance that the investment objectives of the Scheme will be realized. BOI AXA Liquid Fund is a Debt - Liquid Fund fund was launched on 16 Jul 08. It is a fund with Low risk and has given a Below is the key information for BOI AXA Liquid Fund Returns up to 1 year are on To enhance the income, while maintaining a level of liquidity through,
investment in a mix of MMI & Debt securities. However, there can be no assurance that the investment objective of the scheme will be realized. Canara Robeco Liquid is a Debt - Liquid Fund fund was launched on 15 Jul 08. It is a fund with Low risk and has given a Below is the key information for Canara Robeco Liquid Returns up to 1 year are on To provide a high level of liquidity with reasonable returns commensurating with low risk through a portfolio of money market and debt securities. However there can be no assurance that the investment objective of the scheme will be achieved. Axis Liquid Fund is a Debt - Liquid Fund fund was launched on 9 Oct 09. It is a fund with Low risk and has given a Below is the key information for Axis Liquid Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life Cash Plus Fund) An Open-ended liquid scheme with the objective to provide reasonable returns at a high level of safety and liquidity through judicious investments in high quality debt and money market instruments. Aditya Birla Sun Life Liquid Fund is a Debt - Liquid Fund fund was launched on 30 Mar 04. It is a fund with Low risk and has given a Below is the key information for Aditya Birla Sun Life Liquid Fund Returns up to 1 year are on The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of money market securities and high quality debt. UTI Liquid Cash Plan is a Debt - Liquid Fund fund was launched on 11 Dec 03. It is a fund with Low risk and has given a Below is the key information for UTI Liquid Cash Plan Returns up to 1 year are on To generate income with a high level of liquidity by investing in a portfolio of money market and debt securities. Baroda Pioneer Liquid Fund is a Debt - Liquid Fund fund was launched on 5 Feb 09. It is a fund with Low risk and has given a Below is the key information for Baroda Pioneer Liquid Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Savings Fund
CAGR/Annualized
return of 7.4% since its launch. Ranked 6 in Ultrashort Bond
category. Return for 2022 was 4.8% , 2021 was 3.9% and 2020 was 7% . Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (01 Dec 23) ₹486.246 ↑ 0.06 (0.01 %) Net Assets (Cr) ₹13,711 on 31 Oct 23 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.52 Sharpe Ratio 1.68 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.75% Effective Maturity 6 Months 7 Days Modified Duration 5 Months 19 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹10,885 30 Nov 20 ₹11,667 30 Nov 21 ₹12,124 30 Nov 22 ₹12,669 30 Nov 23 ₹13,575 Returns for Aditya Birla Sun Life Savings Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Dec 23 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.4% 1 Year 7.1% 3 Year 5.2% 5 Year 6.3% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.8% 2021 3.9% 2020 7% 2019 8.5% 2018 7.6% 2017 7.2% 2016 9.2% 2015 8.9% 2014 9.7% 2013 9.5% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 20 Jun 14 9.37 Yr. Kaustubh Gupta 15 Jul 11 12.31 Yr. Monika Gandhi 22 Mar 21 2.61 Yr. Dhaval Joshi 21 Nov 22 0.94 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 55.81% Debt 43.91% Other 0.27% Debt Sector Allocation
Sector Value Corporate 58.65% Cash Equivalent 23.36% Government 17.62% Securitized 0.1% Credit Quality
Rating Value AA 25.89% AAA 74.11% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Limited
Debentures | -4% ₹598 Cr 6,000 182 DTB 21122023
Sovereign Bonds | -3% ₹471 Cr 47,500,000 Tata Realty And Infrastructure Limited
Debentures | -3% ₹359 Cr 36,000 Hindalco Industries Limited
Debentures | -3% ₹350 Cr 35,000 Bharti Telecom Limited
Debentures | -2% ₹325 Cr 3,250 Bharti Hexacom Limited
Debentures | -2% ₹314 Cr 3,150 7.32% Govt Stock 2024
Sovereign Bonds | -2% ₹295 Cr 29,500,000
↑ 24,500,000 Cholamandalam Investment And Fin. Co. Ltd
Debentures | -2% ₹250 Cr 2,500 HDFC Bank Limited
Debentures | -2% ₹244 Cr 2,450 7.38% Govt Stock 2027
Sovereign Bonds | -1% ₹175 Cr 17,500,000 2. BOI AXA Liquid Fund
CAGR/Annualized
return of 6.6% since its launch. Ranked 34 in Liquid Fund
category. Return for 2022 was 4.9% , 2021 was 3.3% and 2020 was 4.1% . BOI AXA Liquid Fund
Growth Launch Date 16 Jul 08 NAV (03 Dec 23) ₹2,688.79 ↑ 0.52 (0.02 %) Net Assets (Cr) ₹1,499 on 31 Oct 23 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.22 Sharpe Ratio 1.47 Information Ratio -4.21 Alpha Ratio -0.12 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.07% Effective Maturity 1 Month 13 Days Modified Duration 1 Month 13 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹10,665 30 Nov 20 ₹11,122 30 Nov 21 ₹11,478 30 Nov 22 ₹12,011 30 Nov 23 ₹12,853 Returns for BOI AXA Liquid Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Dec 23 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.5% 1 Year 7% 3 Year 5% 5 Year 5.1% 10 Year 15 Year Since launch 6.6% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.9% 2021 3.3% 2020 4.1% 2019 6.4% 2018 7.4% 2017 6.7% 2016 7.6% 2015 8.3% 2014 9% 2013 9.3% Fund Manager information for BOI AXA Liquid Fund
Name Since Tenure Mithraem Bharucha 17 Aug 21 2.21 Yr. Data below for BOI AXA Liquid Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 99.94% Other 0.06% Debt Sector Allocation
Sector Value Cash Equivalent 57.73% Corporate 28.96% Government 13.25% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Repo
CBLO/Reverse Repo | -5% ₹76 Cr 91 DTB 11012024
Sovereign Bonds | -5% ₹74 Cr 7,500,000
↑ 7,500,000 LIC Housing Finance Limited
Commercial Paper | -5% ₹70 Cr 7,100,000
↑ 2,100,000 Small Industries Development Bank Of India
Certificate of Deposit | -4% ₹62 Cr 6,300,000
↑ 6,300,000 Kotak Securities Limited
Commercial Paper | -3% ₹50 Cr 5,000,000 ICICI Bank Limited
Certificate of Deposit | -3% ₹50 Cr 5,000,000 91 DTB 30112023
Sovereign Bonds | -3% ₹50 Cr 5,000,000 Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -3% ₹50 Cr 5,000,000 Bank Of Baroda
Certificate of Deposit | -3% ₹50 Cr 5,000,000 Punjab National Bank
Certificate of Deposit | -3% ₹50 Cr 5,000,000 3. Canara Robeco Liquid
CAGR/Annualized
return of 6.9% since its launch. Ranked 44 in Liquid Fund
category. Return for 2022 was 4.9% , 2021 was 3.2% and 2020 was 3.7% . Canara Robeco Liquid
Growth Launch Date 15 Jul 08 NAV (03 Dec 23) ₹2,812.39 ↑ 0.56 (0.02 %) Net Assets (Cr) ₹3,813 on 31 Oct 23 Category Debt - Liquid Fund AMC Canara Robeco Asset Management Co. Ltd. Rating ☆☆☆ Risk Low Expense Ratio 0.17 Sharpe Ratio 1.28 Information Ratio -4.27 Alpha Ratio -0.15 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.09% Effective Maturity 1 Month 1 Day Modified Duration 29 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹10,657 30 Nov 20 ₹11,069 30 Nov 21 ₹11,421 30 Nov 22 ₹11,942 30 Nov 23 ₹12,778 Returns for Canara Robeco Liquid
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Dec 23 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.4% 1 Year 7% 3 Year 4.9% 5 Year 5% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.9% 2021 3.2% 2020 3.7% 2019 6.4% 2018 7.4% 2017 6.5% 2016 7.5% 2015 8.2% 2014 9% 2013 9.2% Fund Manager information for Canara Robeco Liquid
Name Since Tenure Avnish Jain 1 Apr 22 1.59 Yr. Kunal Jain 18 Jul 22 1.29 Yr. Data below for Canara Robeco Liquid as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 99.83% Other 0.17% Debt Sector Allocation
Sector Value Cash Equivalent 69.26% Corporate 26.02% Government 4.55% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 11012024
Sovereign Bonds | -20% ₹781 Cr Treps
CBLO/Reverse Repo | -14% ₹541 Cr ICICI Bank Limited
Certificate of Deposit | -5% ₹200 Cr 4,000 Reliance Retail Ventures Limited
Commercial Paper | -5% ₹195 Cr 3,900
↑ 900 Reliance Retail Ventures Limited
Commercial Paper | -4% ₹149 Cr 3,000 Small Industries Development Bank Of India
Commercial Paper | -4% ₹149 Cr 3,000 Tata Capital Financial Services Limited
Commercial Paper | -4% ₹149 Cr 3,000 HDFC Bank Limited
Certificate of Deposit | -4% ₹148 Cr 3,000
↑ 3,000 Kotak Securities Limited
Commercial Paper | -3% ₹100 Cr 2,000 ICICI Home Finance Company Limited
Commercial Paper | -3% ₹100 Cr 2,000 4. Axis Liquid Fund
CAGR/Annualized
return of 7% since its launch. Ranked 21 in Liquid Fund
category. Return for 2022 was 4.9% , 2021 was 3.3% and 2020 was 4.3% . Axis Liquid Fund
Growth Launch Date 9 Oct 09 NAV (01 Dec 23) ₹2,599.84 ↑ 0.42 (0.02 %) Net Assets (Cr) ₹26,890 on 31 Oct 23 Category Debt - Liquid Fund AMC Axis Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.22 Sharpe Ratio 1.22 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.14% Effective Maturity 2 Months 4 Days Modified Duration 2 Months 4 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹10,685 30 Nov 20 ₹11,163 30 Nov 21 ₹11,524 30 Nov 22 ₹12,053 30 Nov 23 ₹12,897 Returns for Axis Liquid Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Dec 23 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.4% 1 Year 7% 3 Year 4.9% 5 Year 5.2% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.9% 2021 3.3% 2020 4.3% 2019 6.6% 2018 7.5% 2017 6.7% 2016 7.6% 2015 8.4% 2014 9.1% 2013 9.2% Fund Manager information for Axis Liquid Fund
Name Since Tenure Devang Shah 5 Nov 12 10.99 Yr. Aditya Pagaria 13 Aug 16 7.22 Yr. Sachin Jain 3 Jul 23 0.33 Yr. Data below for Axis Liquid Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 100% Debt Sector Allocation
Sector Value Cash Equivalent 60.58% Corporate 25.35% Government 14.07% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Net Receivables / (Payables)
Net Current Assets | -13% -₹2,715 Cr National Bank For Agriculture And Rural Development
Commercial Paper | -4% ₹938 Cr 19,000
↓ -1,000 Small Industries Development Bank Of India
Commercial Paper | -4% ₹912 Cr 18,500
↑ 18,500 HDFC Bank Limited
Certificate of Deposit | -4% ₹888 Cr 18,000
↑ 16,000 Reliance Retail Ventures Limited
Commercial Paper | -4% ₹841 Cr 17,000 91 DTB 21122023
Sovereign Bonds | -4% ₹795 Cr 80,728,900
↑ 80,728,900 Small Industries Development Bank Of India
Commercial Paper | -3% ₹743 Cr 15,000 National Bank For Agriculture And Rural Development
Commercial Paper | -3% ₹715 Cr 14,500
↑ 14,500 91 DTB 09112023
Sovereign Bonds | -3% ₹591 Cr 59,500,000 91 DTB 12102023
Sovereign Bonds | -2% ₹499 Cr 50,000,000 5. Aditya Birla Sun Life Liquid Fund
CAGR/Annualized
return of 7% since its launch. Ranked 15 in Liquid Fund
category. Return for 2022 was 4.8% , 2021 was 3.3% and 2020 was 4.3% . Aditya Birla Sun Life Liquid Fund
Growth Launch Date 30 Mar 04 NAV (01 Dec 23) ₹376.461 ↑ 0.07 (0.02 %) Net Assets (Cr) ₹38,715 on 31 Oct 23 Category Debt - Liquid Fund AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.33 Sharpe Ratio 1.05 Information Ratio -3.9 Alpha Ratio -0.18 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.32% Effective Maturity 1 Month 13 Days Modified Duration 1 Month 13 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹10,690 30 Nov 20 ₹11,171 30 Nov 21 ₹11,528 30 Nov 22 ₹12,052 30 Nov 23 ₹12,896 Returns for Aditya Birla Sun Life Liquid Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Dec 23 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.4% 1 Year 7% 3 Year 4.9% 5 Year 5.2% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.8% 2021 3.3% 2020 4.3% 2019 6.7% 2018 7.4% 2017 6.7% 2016 7.7% 2015 8.4% 2014 9.2% 2013 9.3% Fund Manager information for Aditya Birla Sun Life Liquid Fund
Name Since Tenure Sunaina Cunha 15 Jul 11 12.31 Yr. Kaustubh Gupta 15 Jul 11 12.31 Yr. Sanjay Pawar 1 Jul 22 1.34 Yr. Dhaval Joshi 21 Nov 22 0.95 Yr. Data below for Aditya Birla Sun Life Liquid Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 99.74% Other 0.26% Debt Sector Allocation
Sector Value Cash Equivalent 61.98% Corporate 22.78% Government 14.98% Credit Quality
Rating Value AA 0.99% AAA 99.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reverse Repo
CBLO/Reverse Repo | -17% ₹6,607 Cr Net Receivables / (Payables)
Net Current Assets | -8% -₹3,221 Cr Small Industries Development Bank Of India
Commercial Paper | -5% ₹1,989 Cr 40,000 Bank Of Baroda
Certificate of Deposit | -5% ₹1,976 Cr 39,700 Punjab National Bank
Certificate of Deposit | -4% ₹1,490 Cr 30,000 Small Industries Development Bank Of India
Commercial Paper | -3% ₹1,239 Cr 25,000 7.68% Govt Stock 2023
Sovereign Bonds | -3% ₹1,011 Cr 101,000,000 Canfin Homes Limited
Commercial Paper | -3% ₹989 Cr 20,000 Punjab And Sind Bank
Certificate of Deposit | -3% ₹986 Cr 20,000
↑ 20,000 Small Industries Development Bank Of India
Commercial Paper | -2% ₹918 Cr 18,500 6. UTI Liquid Cash Plan
CAGR/Annualized
return of 6.8% since its launch. Ranked 32 in Liquid Fund
category. Return for 2022 was 4.8% , 2021 was 3.3% and 2020 was 4.2% . UTI Liquid Cash Plan
Growth Launch Date 11 Dec 03 NAV (02 Dec 23) ₹3,833.99 ↑ 0.72 (0.02 %) Net Assets (Cr) ₹22,049 on 31 Oct 23 Category Debt - Liquid Fund AMC UTI Asset Management Company Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.23 Sharpe Ratio 0.94 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 1,500 Exit Load NIL Yield to Maturity 7.1% Effective Maturity 1 Month 28 Days Modified Duration 1 Month 28 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹10,685 30 Nov 20 ₹11,152 30 Nov 21 ₹11,512 30 Nov 22 ₹12,036 30 Nov 23 ₹12,876 Returns for UTI Liquid Cash Plan
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Dec 23 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.4% 1 Year 7% 3 Year 4.9% 5 Year 5.2% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.8% 2021 3.3% 2020 4.2% 2019 6.6% 2018 7.4% 2017 6.7% 2016 7.7% 2015 8.3% 2014 9.1% 2013 9.1% Fund Manager information for UTI Liquid Cash Plan
Name Since Tenure Amit Sharma 7 Jul 17 6.32 Yr. Data below for UTI Liquid Cash Plan as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 100% Debt Sector Allocation
Sector Value Cash Equivalent 67.36% Corporate 19.5% Government 13.15% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Net Current Assets
Net Current Assets | -9% ₹2,440 Cr 91 DTB 14122023
Sovereign Bonds | -5% ₹1,320 Cr 13,341,470,000 HDFC Bank Limited
Certificate of Deposit | -4% ₹983 Cr 10,000,000,000
↑ 10,000,000,000 91 DTB 02112023
Sovereign Bonds | -3% ₹913 Cr 9,161,160,000
↓ -400,000,000 91 DTB 30112023
Sovereign Bonds | -3% ₹823 Cr 8,300,440,000 Larsen & Toubro Ltd.
Commercial Paper | -3% ₹790 Cr 8,000,000,000 Bank Of Maharashtra
Certificate of Deposit | -3% ₹743 Cr 7,500,000,000 Small Industries Development Bank Of India
Commercial Paper | -3% ₹741 Cr 7,500,000,000 Small Industries Development Bank Of India
Commercial Paper | -3% ₹695 Cr 7,000,000,000 91 DTB 07122023
Sovereign Bonds | -3% ₹693 Cr 7,000,000,000 7. Baroda Pioneer Liquid Fund
CAGR/Annualized
return of 6.9% since its launch. Ranked 22 in Liquid Fund
category. Return for 2022 was 4.9% , 2021 was 3.3% and 2020 was 4.1% . Baroda Pioneer Liquid Fund
Growth Launch Date 5 Feb 09 NAV (03 Dec 23) ₹2,690.26 ↑ 0.51 (0.02 %) Net Assets (Cr) ₹10,544 on 15 Nov 23 Category Debt - Liquid Fund AMC Baroda Pioneer Asset Management Co. Ltd. Rating ☆☆☆☆ Risk Low Expense Ratio 0.26 Sharpe Ratio 1.01 Information Ratio -4.45 Alpha Ratio -0.18 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.19% Effective Maturity 1 Month 5 Days Modified Duration 1 Month 2 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹10,682 30 Nov 20 ₹11,145 30 Nov 21 ₹11,509 30 Nov 22 ₹12,041 30 Nov 23 ₹12,880 Returns for Baroda Pioneer Liquid Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Dec 23 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.4% 1 Year 7% 3 Year 5% 5 Year 5.2% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.9% 2021 3.3% 2020 4.1% 2019 6.6% 2018 7.5% 2017 6.7% 2016 7.8% 2015 8.4% 2014 9.1% 2013 9.2% Fund Manager information for Baroda Pioneer Liquid Fund
Name Since Tenure Mayank Prakash 21 Oct 22 1.03 Yr. Vikram Pamnani 14 Mar 22 1.64 Yr. Data below for Baroda Pioneer Liquid Fund as on 15 Nov 23
Asset Allocation
Asset Class Value Cash 99.87% Other 0.13% Debt Sector Allocation
Sector Value Cash Equivalent 74.26% Corporate 20.5% Government 5.11% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps 01-Nov-2023
CBLO/Reverse Repo | -11% ₹1,098 Cr 91 DTB 23112023
Sovereign Bonds | -5% ₹523 Cr 52,500,000 National Bank For Agriculture And Rural Development
Commercial Paper | -5% ₹497 Cr 10,000 HDFC Bank Limited
Certificate of Deposit | -4% ₹349 Cr 7,000 ICICI Bank Limited
Certificate of Deposit | -3% ₹324 Cr 6,500
↓ -2,000 Reliance Industries Limited
Commercial Paper | -3% ₹324 Cr 6,500
↓ -3,000 91 DTB 17112023
Sovereign Bonds | -3% ₹299 Cr 30,000,000 Export-Import Bank Of India
Commercial Paper | -3% ₹297 Cr 6,000 Larsen And Toubro Limited
Commercial Paper | -3% ₹297 Cr 6,000 HDFC Bank Limited
Certificate of Deposit | -3% ₹296 Cr 6,000