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SWP Calculator -- Systematic Withdrawal Plan Calculator

Updated on November 29, 2023 , 19911 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 Calulator

  1. SWP/Withdrawal Amount - It refers to the fixed withdrawal amount that you are planning to withdraw at regular intervals.
  2. Initial Investment - Initial investment refers to the lump sum amount that you wish to invest in the Mutual Fund scheme.
  3. 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.
  4. 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

  1. Initial Investment Amount - INR 1,20,000
  2. SWP Amount - INR 10,000
  3. Withdrawal Tenure - 12 Months
  4. 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

Investment Corpus Amount:
Expected Returns (% pa):
%
Withdrawal Amount:
Per Month
Withdrawal Tenure:
Years

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 2023

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.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2022 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Savings Fund Growth ₹486.246
↑ 0.06
₹13,7111.63.47.15.24.87.75%5M 19D6M 7D
BOI AXA Liquid Fund Growth ₹2,688.79
↑ 0.52
₹1,4991.73.5754.97.07%1M 13D1M 13D
Canara Robeco Liquid Growth ₹2,812.39
↑ 0.56
₹3,8131.73.474.94.97.09%29D1M 1D
Axis Liquid Fund Growth ₹2,599.84
↑ 0.42
₹26,8901.73.474.94.97.14%2M 4D2M 4D
Aditya Birla Sun Life Liquid Fund Growth ₹376.461
↑ 0.07
₹38,7151.73.474.94.87.32%1M 13D1M 13D
UTI Liquid Cash Plan Growth ₹3,833.99
↑ 0.72
₹22,0491.73.474.94.87.1%1M 28D1M 28D
Baroda Pioneer Liquid Fund Growth ₹2,690.26
↑ 0.51
₹10,5441.73.4754.97.19%1M 2D1M 5D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Dec 23

1. Aditya Birla Sun Life Savings Fund

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 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% .

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

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.

DateValue
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

Aditya Birla Sun Life Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Aditya Birla Sun Life Savings 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 Dec 23

DurationReturns
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
YearReturns
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
NameSinceTenure
Sunaina Cunha20 Jun 149.37 Yr.
Kaustubh Gupta15 Jul 1112.31 Yr.
Monika Gandhi22 Mar 212.61 Yr.
Dhaval Joshi21 Nov 220.94 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Oct 23

Asset Allocation
Asset ClassValue
Cash55.81%
Debt43.91%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate58.65%
Cash Equivalent23.36%
Government17.62%
Securitized0.1%
Credit Quality
RatingValue
AA25.89%
AAA74.11%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Limited
Debentures | -
4%₹598 Cr6,000
182 DTB 21122023
Sovereign Bonds | -
3%₹471 Cr47,500,000
Tata Realty And Infrastructure Limited
Debentures | -
3%₹359 Cr36,000
Hindalco Industries Limited
Debentures | -
3%₹350 Cr35,000
Bharti Telecom Limited
Debentures | -
2%₹325 Cr3,250
Bharti Hexacom Limited
Debentures | -
2%₹314 Cr3,150
7.32% Govt Stock 2024
Sovereign Bonds | -
2%₹295 Cr29,500,000
↑ 24,500,000
Cholamandalam Investment And Fin. Co. Ltd
Debentures | -
2%₹250 Cr2,500
HDFC Bank Limited
Debentures | -
2%₹244 Cr2,450
7.38% Govt Stock 2027
Sovereign Bonds | -
1%₹175 Cr17,500,000

2. BOI AXA Liquid Fund

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 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% .

Below is the key information for BOI AXA Liquid Fund

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.

DateValue
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

BOI AXA Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for BOI AXA 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 Dec 23

DurationReturns
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
YearReturns
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
NameSinceTenure
Mithraem Bharucha17 Aug 212.21 Yr.

Data below for BOI AXA Liquid Fund as on 31 Oct 23

Asset Allocation
Asset ClassValue
Cash99.94%
Other0.06%
Debt Sector Allocation
SectorValue
Cash Equivalent57.73%
Corporate28.96%
Government13.25%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Repo
CBLO/Reverse Repo | -
5%₹76 Cr
91 DTB 11012024
Sovereign Bonds | -
5%₹74 Cr7,500,000
↑ 7,500,000
LIC Housing Finance Limited
Commercial Paper | -
5%₹70 Cr7,100,000
↑ 2,100,000
Small Industries Development Bank Of India
Certificate of Deposit | -
4%₹62 Cr6,300,000
↑ 6,300,000
Kotak Securities Limited
Commercial Paper | -
3%₹50 Cr5,000,000
ICICI Bank Limited
Certificate of Deposit | -
3%₹50 Cr5,000,000
91 DTB 30112023
Sovereign Bonds | -
3%₹50 Cr5,000,000
Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -
3%₹50 Cr5,000,000
Bank Of Baroda
Certificate of Deposit | -
3%₹50 Cr5,000,000
Punjab National Bank
Certificate of Deposit | -
3%₹50 Cr5,000,000

3. 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 2022 was 4.9% , 2021 was 3.2% and 2020 was 3.7% .

Below is the key information for Canara Robeco Liquid

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.

DateValue
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

Canara Robeco Liquid SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 Dec 23

DurationReturns
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
YearReturns
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
NameSinceTenure
Avnish Jain1 Apr 221.59 Yr.
Kunal Jain18 Jul 221.29 Yr.

Data below for Canara Robeco Liquid as on 31 Oct 23

Asset Allocation
Asset ClassValue
Cash99.83%
Other0.17%
Debt Sector Allocation
SectorValue
Cash Equivalent69.26%
Corporate26.02%
Government4.55%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 11012024
Sovereign Bonds | -
20%₹781 Cr
Treps
CBLO/Reverse Repo | -
14%₹541 Cr
ICICI Bank Limited
Certificate of Deposit | -
5%₹200 Cr4,000
Reliance Retail Ventures Limited
Commercial Paper | -
5%₹195 Cr3,900
↑ 900
Reliance Retail Ventures Limited
Commercial Paper | -
4%₹149 Cr3,000
Small Industries Development Bank Of India
Commercial Paper | -
4%₹149 Cr3,000
Tata Capital Financial Services Limited
Commercial Paper | -
4%₹149 Cr3,000
HDFC Bank Limited
Certificate of Deposit | -
4%₹148 Cr3,000
↑ 3,000
Kotak Securities Limited
Commercial Paper | -
3%₹100 Cr2,000
ICICI Home Finance Company Limited
Commercial Paper | -
3%₹100 Cr2,000

4. 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 2022 was 4.9% , 2021 was 3.3% and 2020 was 4.3% .

Below is the key information for Axis Liquid Fund

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.

DateValue
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

Axis Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 Dec 23

DurationReturns
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
YearReturns
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
NameSinceTenure
Devang Shah5 Nov 1210.99 Yr.
Aditya Pagaria13 Aug 167.22 Yr.
Sachin Jain3 Jul 230.33 Yr.

Data below for Axis Liquid Fund as on 31 Oct 23

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent60.58%
Corporate25.35%
Government14.07%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Receivables / (Payables)
Net Current Assets | -
13%-₹2,715 Cr
National Bank For Agriculture And Rural Development
Commercial Paper | -
4%₹938 Cr19,000
↓ -1,000
Small Industries Development Bank Of India
Commercial Paper | -
4%₹912 Cr18,500
↑ 18,500
HDFC Bank Limited
Certificate of Deposit | -
4%₹888 Cr18,000
↑ 16,000
Reliance Retail Ventures Limited
Commercial Paper | -
4%₹841 Cr17,000
91 DTB 21122023
Sovereign Bonds | -
4%₹795 Cr80,728,900
↑ 80,728,900
Small Industries Development Bank Of India
Commercial Paper | -
3%₹743 Cr15,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
3%₹715 Cr14,500
↑ 14,500
91 DTB 09112023
Sovereign Bonds | -
3%₹591 Cr59,500,000
91 DTB 12102023
Sovereign Bonds | -
2%₹499 Cr50,000,000

5. 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 2022 was 4.8% , 2021 was 3.3% and 2020 was 4.3% .

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 (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.

DateValue
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

Aditya Birla Sun Life Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 Dec 23

DurationReturns
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
YearReturns
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
NameSinceTenure
Sunaina Cunha15 Jul 1112.31 Yr.
Kaustubh Gupta15 Jul 1112.31 Yr.
Sanjay Pawar1 Jul 221.34 Yr.
Dhaval Joshi21 Nov 220.95 Yr.

Data below for Aditya Birla Sun Life Liquid Fund as on 31 Oct 23

Asset Allocation
Asset ClassValue
Cash99.74%
Other0.26%
Debt Sector Allocation
SectorValue
Cash Equivalent61.98%
Corporate22.78%
Government14.98%
Credit Quality
RatingValue
AA0.99%
AAA99.01%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
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 Cr40,000
Bank Of Baroda
Certificate of Deposit | -
5%₹1,976 Cr39,700
Punjab National Bank
Certificate of Deposit | -
4%₹1,490 Cr30,000
Small Industries Development Bank Of India
Commercial Paper | -
3%₹1,239 Cr25,000
7.68% Govt Stock 2023
Sovereign Bonds | -
3%₹1,011 Cr101,000,000
Canfin Homes Limited
Commercial Paper | -
3%₹989 Cr20,000
Punjab And Sind Bank
Certificate of Deposit | -
3%₹986 Cr20,000
↑ 20,000
Small Industries Development Bank Of India
Commercial Paper | -
2%₹918 Cr18,500

6. 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 2022 was 4.8% , 2021 was 3.3% and 2020 was 4.2% .

Below is the key information for UTI Liquid Cash Plan

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.

DateValue
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

UTI Liquid Cash Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 Dec 23

DurationReturns
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
YearReturns
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
NameSinceTenure
Amit Sharma7 Jul 176.32 Yr.

Data below for UTI Liquid Cash Plan as on 31 Oct 23

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent67.36%
Corporate19.5%
Government13.15%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Current Assets
Net Current Assets | -
9%₹2,440 Cr
91 DTB 14122023
Sovereign Bonds | -
5%₹1,320 Cr13,341,470,000
HDFC Bank Limited
Certificate of Deposit | -
4%₹983 Cr10,000,000,000
↑ 10,000,000,000
91 DTB 02112023
Sovereign Bonds | -
3%₹913 Cr9,161,160,000
↓ -400,000,000
91 DTB 30112023
Sovereign Bonds | -
3%₹823 Cr8,300,440,000
Larsen & Toubro Ltd.
Commercial Paper | -
3%₹790 Cr8,000,000,000
Bank Of Maharashtra
Certificate of Deposit | -
3%₹743 Cr7,500,000,000
Small Industries Development Bank Of India
Commercial Paper | -
3%₹741 Cr7,500,000,000
Small Industries Development Bank Of India
Commercial Paper | -
3%₹695 Cr7,000,000,000
91 DTB 07122023
Sovereign Bonds | -
3%₹693 Cr7,000,000,000

7. 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 2022 was 4.9% , 2021 was 3.3% and 2020 was 4.1% .

Below is the key information for Baroda Pioneer Liquid Fund

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.

DateValue
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

Baroda Pioneer Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 Dec 23

DurationReturns
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
YearReturns
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
NameSinceTenure
Mayank Prakash21 Oct 221.03 Yr.
Vikram Pamnani14 Mar 221.64 Yr.

Data below for Baroda Pioneer Liquid Fund as on 15 Nov 23

Asset Allocation
Asset ClassValue
Cash99.87%
Other0.13%
Debt Sector Allocation
SectorValue
Cash Equivalent74.26%
Corporate20.5%
Government5.11%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps 01-Nov-2023
CBLO/Reverse Repo | -
11%₹1,098 Cr
91 DTB 23112023
Sovereign Bonds | -
5%₹523 Cr52,500,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
5%₹497 Cr10,000
HDFC Bank Limited
Certificate of Deposit | -
4%₹349 Cr7,000
ICICI Bank Limited
Certificate of Deposit | -
3%₹324 Cr6,500
↓ -2,000
Reliance Industries Limited
Commercial Paper | -
3%₹324 Cr6,500
↓ -3,000
91 DTB 17112023
Sovereign Bonds | -
3%₹299 Cr30,000,000
Export-Import Bank Of India
Commercial Paper | -
3%₹297 Cr6,000
Larsen And Toubro Limited
Commercial Paper | -
3%₹297 Cr6,000
HDFC Bank Limited
Certificate of Deposit | -
3%₹296 Cr6,000

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.
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