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SWP Calculator -- Systematic Withdrawal Plan Calculator

Updated on September 28, 2022 , 13885 views

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.

What does SWP in Mutual Fund Mean?

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 Mutual Fund Calculator

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:

SWP/Withdrawal Amount - It refers to the fixed withdrawal amount that you are planning to withdraw at regular intervals.
Initial Investment - Initial investment refers to the lump sum amount that you wish to invest in the Mutual Fund scheme.
Withdrawal Frequency - Withdrawal frequency, refers to the timeframe at which you would like to withdraw your investment. This can be either monthly, weekly, or quarterly. generally calculations are done for monthly.
Expected Rate of Returns - It means the returns that you are expecting on your investment.

So, let us have a detailed understand the concept of SWP calculator with an illustration.

Sample Illustration

Initial Investment Amount - INR 1,20,000
SWP Amount - INR 10,000
Withdrawal Tenure - 12 Months
Expected Rate of Return - 7%

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.

SWP Calculator

VALUE AT END OF TENOR:₹4,597

Benefits of Systematic Withdrawal Plan

Some of the major benefits of SWP are as follows.

Regular Income Flow

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.

Disciplined Withdrawal Habit

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.

Substitute for Pension

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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Best SWP Mutual Funds for 2022

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 (%)	2021 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Baroda Pioneer Liquid Fund Growth	₹2,487.92 ↑ 0.42	₹6,432	1.3	2.3	4.1	4	3.3	5.75%	29D	1M 2D
Axis Liquid Fund Growth	₹2,404.05 ↑ 0.83	₹29,263	1.3	2.3	4.1	4.1	3.3	5.7%	30D	1M 1D
JM Liquid Fund Growth	₹59.1064 ↑ 0.02	₹1,793	1.3	2.3	4.1	3.9	3.3	5.69%	22D	23D
DSP BlackRock Liquidity Fund Growth	₹3,086.94 ↑ 0.97	₹12,226	1.3	2.3	4.1	4	3.3	5.68%	25D	29D
UTI Liquid Cash Plan Growth	₹3,545.86 ↑ 1.27	₹32,857	1.3	2.3	4.1	4	3.3	5.66%	28D	28D
Canara Robeco Liquid Growth	₹2,600.16 ↑ 0.46	₹2,059	1.3	2.3	4.1	3.8	3.2	5.58%	23D	24D
Aditya Birla Sun Life Liquid Fund Growth	₹348.155 ↑ 0.12	₹42,493	1.3	2.3	4.1	4	3.3	5.83%	1M 10D	1M 10D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Oct 22

1. Baroda Pioneer Liquid Fund

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 CAGR/Annualized return of 6.9% since its launch. Ranked 22 in Liquid Fund category. Return for 2021 was 3.3% , 2020 was 4.1% and 2019 was 6.6% .

Below is the key information for Baroda Pioneer Liquid Fund

Baroda Pioneer Liquid Fund Growth
Launch Date	5 Feb 09
NAV (01 Oct 22)	₹2,487.92 ↑ 0.42 (0.02 %)
Net Assets (Cr)	₹6,432 on 31 Aug 22
Category	Debt - Liquid Fund
AMC	Baroda Pioneer Asset Management Co. Ltd.
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.31
Sharpe Ratio	-1.95
Information Ratio	-2.36
Alpha Ratio	-0.2
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	5.75%
Effective Maturity	1 Month 2 Days
Modified Duration	29 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 17	₹10,000
30 Sep 18	₹10,717
30 Sep 19	₹11,487
30 Sep 20	₹12,032
30 Sep 21	₹12,421

Baroda Pioneer Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Baroda Pioneer Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 22

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	2.3%
1 Year	4.1%
3 Year	4%
5 Year	5.3%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2012	9.7%

Fund Manager information for Baroda Pioneer Liquid Fund

Name	Since	Tenure
Alok Sahoo	5 Feb 09	13.58 Yr.
Vikram Pamnani	14 Mar 22	0.47 Yr.

Data below for Baroda Pioneer Liquid Fund as on 31 Aug 22

Asset Allocation

Asset Class	Value
Cash	100%

Debt Sector Allocation

Sector	Value
Cash Equivalent	75.08%
Government	13.17%
Corporate	11.75%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps 16-Sep-2022 CBLO/Reverse Repo \| -	12%	₹654 Cr
5.30% Reverse Repo 16-Sep-2022 CBLO/Reverse Repo \| -	5%	₹250 Cr
5.29% Reverse Repo 16-Sep-2022 CBLO/Reverse Repo \| -	5%	₹250 Cr
Net Receivable / Payable CBLO \| -	4%	-₹207 Cr
Tata Capital Housing Finance Limited Commercial Paper \| -	4%	₹200 Cr	4,000
Small Industries Development Bank Of India Commercial Paper \| -	4%	₹198 Cr	4,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	4%	₹198 Cr	4,000
Punjab National Bank Certificate of Deposit \| -	4%	₹198 Cr	4,000
Housing Development Finance Corporation Limited Commercial Paper \| -	4%	₹198 Cr	4,000 ↑ 4,000
Reliance Retail Ventures Limited Commercial Paper \| -	4%	₹197 Cr	4,000 ↑ 4,000

2. Axis Liquid Fund

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 CAGR/Annualized return of 7% since its launch. Ranked 21 in Liquid Fund category. Return for 2021 was 3.3% , 2020 was 4.3% and 2019 was 6.6% .

Below is the key information for Axis Liquid Fund

Axis Liquid Fund Growth
Launch Date	9 Oct 09
NAV (30 Sep 22)	₹2,404.05 ↑ 0.83 (0.03 %)
Net Assets (Cr)	₹29,263 on 31 Aug 22
Category	Debt - Liquid Fund
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0
Sharpe Ratio	-1.93
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	5.7%
Effective Maturity	1 Month 1 Day
Modified Duration	30 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 17	₹10,000
30 Sep 18	₹10,716
30 Sep 19	₹11,488
30 Sep 20	₹12,049
30 Sep 21	₹12,434

Axis Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Axis Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 22

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	2.3%
1 Year	4.1%
3 Year	4.1%
5 Year	5.3%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2012	9.7%

Fund Manager information for Axis Liquid Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	9.83 Yr.
Aditya Pagaria	13 Aug 16	6.05 Yr.

Data below for Axis Liquid Fund as on 31 Aug 22

Asset Allocation

Asset Class	Value
Cash	100%

Debt Sector Allocation

Sector	Value
Cash Equivalent	80.51%
Corporate	11.33%
Government	8.16%

Credit Quality

Rating	Value
AA	0.23%
AAA	99.77%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Clearing Corporation Of India Ltd CBLO/Reverse Repo \| -	15%	₹3,999 Cr
Reliance Industries Limited CBLO/Reverse Repo \| -	5%	₹1,451 Cr
91 Dtb 29092022 Sovereign Bonds \| -	4%	₹1,138 Cr	114,000,000 ↓ -5,000,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	4%	₹988 Cr	20,000 ↑ 20,000
Small Industries Development Bank Of India Commercial Paper \| -	3%	₹889 Cr	18,000 ↑ 18,000
L&T Finance Limited Commercial Paper \| -	3%	₹773 Cr	15,500 ↑ 15,500
Indian Bank Certificate of Deposit \| -	3%	₹747 Cr	15,000
Reliance Retail Ventures Limited Commercial Paper \| -	2%	₹595 Cr	12,000
Punjab National Bank Certificate of Deposit \| -	2%	₹498 Cr	10,000
L&T Metro Rail (Hyderabad) Limited Commercial Paper \| -	2%	₹497 Cr	10,000

3. JM Liquid Fund

(Erstwhile JM High Liquidity Fund)

To provide income by way of dividend (dividend plans) and capital gains (growth plan) through investing in debt and money market instruments.

JM Liquid Fund is a Debt - Liquid Fund fund was launched on 31 Dec 97. It is a fund with Low risk and has given a CAGR/Annualized return of 7.4% since its launch. Ranked 3 in Liquid Fund category. Return for 2021 was 3.3% , 2020 was 4% and 2019 was 6.6% .

Below is the key information for JM Liquid Fund

JM Liquid Fund Growth
Launch Date	31 Dec 97
NAV (30 Sep 22)	₹59.1064 ↑ 0.02 (0.03 %)
Net Assets (Cr)	₹1,793 on 31 Aug 22
Category	Debt - Liquid Fund
AMC	JM Financial Asset Management Limited
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.21
Sharpe Ratio	-2.17
Information Ratio	-5.7
Alpha Ratio	-0.24
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	5.69%
Effective Maturity	23 Days
Modified Duration	22 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 17	₹10,000
30 Sep 18	₹10,711
30 Sep 19	₹11,481
30 Sep 20	₹12,004
30 Sep 21	₹12,388

JM Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for JM Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 22

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	2.3%
1 Year	4.1%
3 Year	3.9%
5 Year	5.2%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2021	3.3%
2020	4%
2019	6.6%
2018	7.4%
2017	6.7%
2016	7.7%
2015	8.4%
2014	9.1%
2013	9.3%
2012	9.6%

Fund Manager information for JM Liquid Fund

Name	Since	Tenure
Shalini Tibrewala	31 Dec 97	24.68 Yr.
Naghma Khoja	21 Oct 21	0.86 Yr.

Data below for JM Liquid Fund as on 31 Aug 22

Asset Allocation

Asset Class	Value
Cash	100%

Debt Sector Allocation

Sector	Value
Cash Equivalent	78.89%
Government	11.73%
Corporate	9.38%

Credit Quality

Rating	Value
AA	0.69%
AAA	99.31%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps-Triparty Repo CBLO/Reverse Repo \| -	18%	₹389 Cr	00
Housing Development Finance Corporation Limited Commercial Paper \| -	5%	₹100 Cr	2,000 ↑ 2,000
TATA Steel Limited Commercial Paper \| -	5%	₹100 Cr	2,000
Reliance Jio Infocomm Limited Commercial Paper \| -	4%	₹74 Cr	1,500 ↑ 1,500
Reliance Jio Infocomm Limited Commercial Paper \| -	2%	₹50 Cr	1,000 ↑ 1,000
Birla Group Holdings Private Limited Commercial Paper \| -	2%	₹50 Cr	1,000
The Ramco Cements Limited Commercial Paper \| -	2%	₹50 Cr	1,000 ↑ 1,000
Kotak Securities Ltd Commercial Paper \| -	2%	₹50 Cr	1,000
Icici Securities Limited (Earlier Icici Brokerage Services Limited) Commercial Paper \| -	2%	₹50 Cr	1,000
Redington (India) Limited Commercial Paper \| -	2%	₹50 Cr	1,000

4. DSP BlackRock Liquidity Fund

The Scheme seeks to generate reasonable returns commensurate with low risk from a portfolio constituted of money market and high quality debts

DSP BlackRock Liquidity Fund is a Debt - Liquid Fund fund was launched on 23 Nov 05. It is a fund with Low risk and has given a CAGR/Annualized return of 6.9% since its launch. Ranked 36 in Liquid Fund category. Return for 2021 was 3.3% , 2020 was 4.2% and 2019 was 6.5% .

Below is the key information for DSP BlackRock Liquidity Fund

DSP BlackRock Liquidity Fund Growth
Launch Date	23 Nov 05
NAV (30 Sep 22)	₹3,086.94 ↑ 0.97 (0.03 %)
Net Assets (Cr)	₹12,226 on 31 Aug 22
Category	Debt - Liquid Fund
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	Low
Expense Ratio	0.24
Sharpe Ratio	-2.39
Information Ratio	-3.37
Alpha Ratio	-0.26
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	5.68%
Effective Maturity	29 Days
Modified Duration	25 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 17	₹10,000
30 Sep 18	₹10,710
30 Sep 19	₹11,471
30 Sep 20	₹12,013
30 Sep 21	₹12,393

DSP BlackRock Liquidity Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for DSP BlackRock Liquidity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 22

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	2.3%
1 Year	4.1%
3 Year	4%
5 Year	5.2%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2021	3.3%
2020	4.2%
2019	6.5%
2018	7.4%
2017	6.6%
2016	7.6%
2015	8.3%
2014	9%
2013	9.2%
2012	9.7%

Fund Manager information for DSP BlackRock Liquidity Fund

Name	Since	Tenure
Kedar Karnik	17 Jul 16	6.13 Yr.
Karan Mundhra	31 May 21	1.25 Yr.

Data below for DSP BlackRock Liquidity Fund as on 31 Aug 22

Asset Allocation

Asset Class	Value
Cash	100%

Debt Sector Allocation

Sector	Value
Cash Equivalent	81.73%
Government	13.4%
Corporate	4.87%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps / Reverse Repo Investments / Corporate Debt Repo CBLO/Reverse Repo \| -	22%	₹2,668 Cr
Indian Oil Corporation Limited Commercial Paper \| -	6%	₹697 Cr	14,000
182 Dtb 22092022 Sovereign Bonds \| -	4%	₹455 Cr	45,500,000
Indian Bank Certificate of Deposit \| -	3%	₹399 Cr	8,000
Housing Development Finance Corporation Limited Commercial Paper \| -	2%	₹300 Cr	6,000
Canara Bank Certificate of Deposit \| -	2%	₹299 Cr	6,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹299 Cr	6,000
TATA Steel Limited Commercial Paper \| -	2%	₹299 Cr	6,000
Indian Oil Corporation Limited Commercial Paper \| -	2%	₹225 Cr	4,500
Indian Bank Certificate of Deposit \| -	2%	₹199 Cr	4,000

5. UTI Liquid Cash Plan

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 CAGR/Annualized return of 6.8% since its launch. Ranked 32 in Liquid Fund category. Return for 2021 was 3.3% , 2020 was 4.2% and 2019 was 6.6% .

Below is the key information for UTI Liquid Cash Plan

UTI Liquid Cash Plan Growth
Launch Date	11 Dec 03
NAV (30 Sep 22)	₹3,545.86 ↑ 1.27 (0.04 %)
Net Assets (Cr)	₹32,857 on 31 Aug 22
Category	Debt - Liquid Fund
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	-2.39
Information Ratio	-5.33
Alpha Ratio	-0.26
Min Investment	500
Min SIP Investment	1,500
Exit Load	NIL
Yield to Maturity	5.66%
Effective Maturity	28 Days
Modified Duration	28 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 17	₹10,000
30 Sep 18	₹10,713
30 Sep 19	₹11,485
30 Sep 20	₹12,032
30 Sep 21	₹12,417

UTI Liquid Cash Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for UTI Liquid Cash Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 22

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	2.3%
1 Year	4.1%
3 Year	4%
5 Year	5.3%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2012	9.6%

Fund Manager information for UTI Liquid Cash Plan

Name	Since	Tenure
Amandeep Chopra	14 Dec 06	15.72 Yr.
Amit Sharma	7 Jul 17	5.15 Yr.

Data below for UTI Liquid Cash Plan as on 31 Aug 22

Asset Allocation

Asset Class	Value
Cash	100%

Debt Sector Allocation

Sector	Value
Cash Equivalent	88.05%
Government	7.01%
Corporate	4.94%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Net Current Assets Net Current Assets \| -	22%	₹6,939 Cr
91 Dtb 22092022 Sovereign Bonds \| -	4%	₹1,284 Cr	12,850,000,000
91 Dtb 29092022 Sovereign Bonds \| -	3%	₹1,028 Cr	10,300,000,000
91 DTB 27102022 Sovereign Bonds \| -	3%	₹994 Cr	10,000,000,000
91 DTB 03112022 Sovereign Bonds \| -	3%	₹844 Cr	8,500,000,000
Hindustan Petroleum Corporation Limited Commercial Paper \| -	3%	₹797 Cr	8,000,000,000
91 DTB 15122022 Sovereign Bonds \| -	2%	₹789 Cr	8,000,000,000 ↑ 8,000,000,000
91 DTB 08122022 Sovereign Bonds \| -	2%	₹740 Cr	7,500,000,000 ↑ 7,500,000,000
Indian Bank Certificate of Deposit \| -	2%	₹698 Cr	7,000,000,000 ↓ -1,000,000,000
Indian Oil Corporation Limited Commercial Paper \| -	2%	₹697 Cr	7,000,000,000

6. Canara Robeco Liquid

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 CAGR/Annualized return of 6.9% since its launch. Ranked 44 in Liquid Fund category. Return for 2021 was 3.2% , 2020 was 3.7% and 2019 was 6.4% .

Below is the key information for Canara Robeco Liquid

Canara Robeco Liquid Growth
Launch Date	15 Jul 08
NAV (01 Oct 22)	₹2,600.16 ↑ 0.46 (0.02 %)
Net Assets (Cr)	₹2,059 on 15 Sep 22
Category	Debt - Liquid Fund
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	☆☆☆
Risk	Low
Expense Ratio	0.14
Sharpe Ratio	-3.41
Information Ratio	-4.95
Alpha Ratio	-0.26
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	5.58%
Effective Maturity	24 Days
Modified Duration	23 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 17	₹10,000
30 Sep 18	₹10,707
30 Sep 19	₹11,451
30 Sep 20	₹11,936
30 Sep 21	₹12,312

Canara Robeco Liquid SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Canara Robeco Liquid

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 22

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	2.3%
1 Year	4.1%
3 Year	3.8%
5 Year	5.1%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2012	9.7%

Fund Manager information for Canara Robeco Liquid

Name	Since	Tenure
Avnish Jain	1 Apr 22	0.42 Yr.
Kunal Jain	18 Jul 22	0.12 Yr.

Data below for Canara Robeco Liquid as on 15 Sep 22

Asset Allocation

Asset Class	Value
Cash	100%

Debt Sector Allocation

Sector	Value
Cash Equivalent	73.42%
Government	14.51%
Corporate	12.07%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps CBLO/Reverse Repo \| -	16%	₹330 Cr
State Bank Of India Certificate of Deposit \| -	8%	₹175 Cr	3,500 ↑ 1,000
91 Dtb 22092022 Sovereign Bonds \| -	6%	₹125 Cr	12,500,000 ↑ 12,500,000
364 DTB 06102022 Sovereign Bonds \| -	6%	₹125 Cr	12,500,000 ↑ 12,500,000
Axis Bank Limited Certificate of Deposit \| -	5%	₹100 Cr	2,000 ↑ 2,000
Reliance Jio Infocomm Limited Commercial Paper \| -	5%	₹99 Cr	2,000
182 Dtb 15122022 Sovereign Bonds \| -	5%	₹99 Cr	10,000,000 ↑ 10,000,000
Power Finance Corporation Ltd. Debentures \| -	4%	₹75 Cr	750
Indian Bank Certificate of Deposit \| -	4%	₹74 Cr	1,500
LIC Housing Finance Limited Debentures \| -	2%	₹50 Cr	500

7. Aditya Birla Sun Life Liquid Fund

(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 CAGR/Annualized return of 7% since its launch. Ranked 15 in Liquid Fund category. Return for 2021 was 3.3% , 2020 was 4.3% and 2019 was 6.7% .

Below is the key information for Aditya Birla Sun Life Liquid Fund

Aditya Birla Sun Life Liquid Fund Growth
Launch Date	30 Mar 04
NAV (30 Sep 22)	₹348.155 ↑ 0.12 (0.04 %)
Net Assets (Cr)	₹42,493 on 31 Aug 22
Category	Debt - Liquid Fund
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.33
Sharpe Ratio	-2.01
Information Ratio	-4.54
Alpha Ratio	-0.28
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	5.83%
Effective Maturity	1 Month 10 Days
Modified Duration	1 Month 10 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 17	₹10,000
30 Sep 18	₹10,711
30 Sep 19	₹11,491
30 Sep 20	₹12,052
30 Sep 21	₹12,434

Aditya Birla Sun Life Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Aditya Birla Sun Life Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 22

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	2.3%
1 Year	4.1%
3 Year	4%
5 Year	5.3%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2012	9.7%

Fund Manager information for Aditya Birla Sun Life Liquid Fund

Name	Since	Tenure
Sunaina Cunha	15 Jul 11	11.14 Yr.
Kaustubh Gupta	15 Jul 11	11.14 Yr.
Sanjay Pawar	1 Jul 22	0.17 Yr.
Harshil Suvarnkar	9 Jun 21	1.23 Yr.

Data below for Aditya Birla Sun Life Liquid Fund as on 31 Aug 22

Asset Allocation

Asset Class	Value
Cash	100%

Debt Sector Allocation

Sector	Value
Cash Equivalent	73.49%
Government	15.43%
Corporate	11.08%

Credit Quality

Rating	Value
AA	0.07%
AAA	99.93%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reverse Repo CBLO/Reverse Repo \| -	17%	₹7,705 Cr
Net Receivables / (Payables) CBLO \| -	5%	-₹2,107 Cr
Reliance Jio Infocomm Limited Commercial Paper \| -	3%	₹1,241 Cr	25,000
Punjab National Bank Certificate of Deposit \| -	2%	₹1,143 Cr	23,000
Indian Bank Certificate of Deposit \| -	2%	₹1,034 Cr	20,740 ↓ -9,260
The Federal Bank Limited Certificate of Deposit \| -	2%	₹990 Cr	20,000
Adani Ports And SPecial Economic Zone Limited Commercial Paper \| -	2%	₹699 Cr	14,000
Adani Ports And Special Economic Zone Limited Commercial Paper \| -	2%	₹698 Cr	14,000 ↑ 14,000
Indian Bank Certificate of Deposit \| -	1%	₹695 Cr	14,000 ↑ 14,000
Reliance Retail Ventures Limited Commercial Paper \| -	1%	₹692 Cr	14,000 ↑ 3,000

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.