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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/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 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.

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

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.

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

Aditya Birla Sun Life Savings Fund SIP 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

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

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.

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

BOI AXA 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 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

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

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.

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

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 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

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.

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

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 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

(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.

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

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 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

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.

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

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 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

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.

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

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 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

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.