# SWP Calculator -- Systematic Withdrawal Plan Calculator

Updated on August 11, 2024 , 31179 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:

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 2024

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 (%)2023 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Savings Fund Growth ₹512.191
↑ 0.06
₹14,8881.83.87.567.27.89%5M 16D6M 7D
BOI AXA Liquid Fund Growth ₹2,828.05
↑ 0.50
₹1,6341.83.77.4677.17%1M 17D1M 17D
Axis Liquid Fund Growth ₹2,734.75
↑ 0.52
₹23,2601.83.77.45.97.17.3%2M 2D2M 2D
LIC MF Liquid Fund Growth ₹4,444.34
↑ 0.80
₹10,5271.83.77.35.978.05%2M 2M
Canara Robeco Liquid Growth ₹2,956.81
↑ 0.55
₹3,9451.83.77.35.977.24%1M 26D2M 1D
Invesco India Liquid Fund Growth ₹3,376.65
↑ 0.61
₹8,8021.83.77.35.977.26%2M 5D2M 5D
Mahindra Liquid Fund Growth ₹1,599.03
↑ 0.28
₹1,3131.83.67.35.97.17.32%1M 28D1M 27D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 Aug 24

### 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 2023 was 7.2% , 2022 was 4.8% and 2021 was 3.9% .

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 (13 Aug 24) ₹512.191 ↑ 0.06   (0.01 %) Net Assets (Cr) ₹14,888 on 30 Jun 24 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 7.89% Effective Maturity 6 Months 7 Days Modified Duration 5 Months 16 Days

DateValue
31 Jul 19₹10,000
31 Jul 20₹10,798
31 Jul 21₹11,294
31 Jul 22₹11,726
31 Jul 23₹12,523
31 Jul 24₹13,455

#### 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

#### 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 13 Aug 24

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.8%
1 Year 7.5%
3 Year 6%
5 Year 6.1%
10 Year
15 Year
Since launch 7.4%
YearReturns
2023 7.2%
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%
##### Fund Manager information for Aditya Birla Sun Life Savings Fund
NameSinceTenure
Sunaina Cunha20 Jun 1410.04 Yr.
Kaustubh Gupta15 Jul 1112.97 Yr.
Monika Gandhi22 Mar 213.28 Yr.
Dhaval Joshi21 Nov 221.61 Yr.

#### Data below for Aditya Birla Sun Life Savings Fund as on 30 Jun 24

Asset ClassValue
Cash45.45%
Debt54.29%
Other0.26%
##### Debt Sector Allocation
SectorValue
Corporate61.13%
Cash Equivalent26.37%
Government12.24%
RatingValue
AA25.09%
AAA74.91%
##### Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Housing Bank 7.83%
Debentures | -
6%₹820 Cr82,000
↑ 34,500
HDFC Bank Limited
Debentures | -
4%₹598 Cr6,000
Nirma Limited
Debentures | -
3%₹500 Cr50,000
National Housing Bank 7.78%
Debentures | -
3%₹400 Cr40,000
Tata Realty And Infrastructure Limited
Debentures | -
2%₹360 Cr36,000
Bharti Telecom Limited
Debentures | -
2%₹325 Cr3,250
Bajaj Housing Finance Ltd. 8%
Debentures | -
2%₹300 Cr30,000
Nirma Limited 8.3%
Debentures | -
2%₹250 Cr25,000
91 DTB 25072024
Sovereign Bonds | -
2%₹250 Cr25,000,000
Cholamandalam Investment And Finance Company Limited
Debentures | -
2%₹249 Cr2,500

### 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 6.7% since its launch.  Ranked 34 in `Liquid Fund` category.  Return for 2023 was 7% , 2022 was 4.9% and 2021 was 3.3% .

Below is the key information for BOI AXA Liquid Fund

 BOI AXA Liquid Fund Growth Launch Date 16 Jul 08 NAV (13 Aug 24) ₹2,828.05 ↑ 0.50   (0.02 %) Net Assets (Cr) ₹1,634 on 30 Jun 24 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.22 Sharpe Ratio 2.91 Information Ratio -2.15 Alpha Ratio -0.09 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.17% Effective Maturity 1 Month 17 Days Modified Duration 1 Month 17 Days

DateValue
31 Jul 19₹10,000
31 Jul 20₹10,508
31 Jul 21₹10,840
31 Jul 22₹11,247
31 Jul 23₹11,996
31 Jul 24₹12,883

#### 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

#### 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 13 Aug 24

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.7%
1 Year 7.4%
3 Year 6%
5 Year 5.2%
10 Year
15 Year
Since launch 6.7%
YearReturns
2023 7%
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%
##### Fund Manager information for BOI AXA Liquid Fund
NameSinceTenure
Mithraem Bharucha17 Aug 212.87 Yr.

#### Data below for BOI AXA Liquid Fund as on 30 Jun 24

Asset ClassValue
Cash93.77%
Debt6.01%
Other0.22%
##### Debt Sector Allocation
SectorValue
Cash Equivalent63.93%
Corporate32.82%
Government3.02%
RatingValue
AAA100%
##### Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd.
Debentures | -
6%₹98 Cr10,000,000
↑ 10,000,000
91 DTB 15082024
Sovereign Bonds | -
5%₹75 Cr7,500,000
NTPC Ltd.
Commercial Paper | -
5%₹74 Cr7,500,000
↑ 7,500,000
91 DTB 26092024
Sovereign Bonds | -
5%₹74 Cr7,500,000
↓ -7,500,000
Kotak Mahindra Bank Ltd.
Debentures | -
5%₹74 Cr7,500,000
↑ 7,500,000
91 DTB 03102024
Sovereign Bonds | -
5%₹74 Cr7,500,000
↑ 7,500,000
Sundaram Finance Limited
Commercial Paper | -
3%₹50 Cr5,000,000
91 DTB 08082024
Sovereign Bonds | -
3%₹50 Cr5,000,000
↑ 5,000,000
Bajaj Financial Securities Limited
Commercial Paper | -
3%₹50 Cr5,000,000
Union Bank Of India
Certificate of Deposit | -
3%₹50 Cr5,000,000

### 3. 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 2023 was 7.1% , 2022 was 4.9% and 2021 was 3.3% .

Below is the key information for Axis Liquid Fund

 Axis Liquid Fund Growth Launch Date 9 Oct 09 NAV (13 Aug 24) ₹2,734.75 ↑ 0.52   (0.02 %) Net Assets (Cr) ₹23,260 on 30 Jun 24 Category Debt - Liquid Fund AMC Axis Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.22 Sharpe Ratio 2 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.3% Effective Maturity 2 Months 2 Days Modified Duration 2 Months 2 Days

DateValue
31 Jul 19₹10,000
31 Jul 20₹10,531
31 Jul 21₹10,870
31 Jul 22₹11,274
31 Jul 23₹12,025
31 Jul 24₹12,909

#### 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

#### 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 13 Aug 24

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.7%
1 Year 7.4%
3 Year 5.9%
5 Year 5.2%
10 Year
15 Year
Since launch 7%
YearReturns
2023 7.1%
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%
##### Fund Manager information for Axis Liquid Fund
NameSinceTenure
Devang Shah5 Nov 1211.66 Yr.
Aditya Pagaria13 Aug 167.89 Yr.
Sachin Jain3 Jul 231 Yr.

#### Data below for Axis Liquid Fund as on 30 Jun 24

Asset ClassValue
Cash99.67%
Other0.33%
##### Debt Sector Allocation
SectorValue
Cash Equivalent65.41%
Corporate30.42%
Government3.84%
RatingValue
AAA100%
##### Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Indian Bank
Certificate of Deposit | -
4%₹1,232 Cr25,000
↑ 25,000
91 DTB 08082024
Sovereign Bonds | -
4%₹1,061 Cr106,500,000
91 DTB 25072024
Sovereign Bonds | -
3%₹1,038 Cr104,000,000
Small Industries Development Bank Of India
Commercial Paper | -
3%₹989 Cr20,000
Canara Bank
Certificate of Deposit | -
3%₹970 Cr19,600
Indian Bank
Certificate of Deposit | -
3%₹968 Cr19,500
Export-Import Bank Of India
Commercial Paper | -
3%₹915 Cr18,500
↓ -11,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
3%₹889 Cr18,000
↑ 18,000
91 DTB 02082024
Sovereign Bonds | -
3%₹847 Cr85,000,000
91 DTB 15082024
Sovereign Bonds | -
3%₹771 Cr77,500,000

### 4. LIC MF Liquid Fund

An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through a judicious mix of investment in money market instruments and quality debt instruments. However, there is no assurance that the investment objective of the Scheme will be realised.

LIC MF Liquid Fund is a Debt - Liquid Fund fund was launched on 11 Mar 02. It is a fund with Low risk and has given a `CAGR/Annualized` return of 6.9% since its launch.  Ranked 25 in `Liquid Fund` category.  Return for 2023 was 7% , 2022 was 4.7% and 2021 was 3.3% .

Below is the key information for LIC MF Liquid Fund

 LIC MF Liquid Fund Growth Launch Date 11 Mar 02 NAV (13 Aug 24) ₹4,444.34 ↑ 0.80   (0.02 %) Net Assets (Cr) ₹10,527 on 30 Jun 24 Category Debt - Liquid Fund AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.27 Sharpe Ratio 1.94 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 8.05% Effective Maturity 2 Months Modified Duration 2 Months

DateValue
31 Jul 19₹10,000
31 Jul 20₹10,532
31 Jul 21₹10,868
31 Jul 22₹11,260
31 Jul 23₹11,995
31 Jul 24₹12,875

#### LIC MF 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

#### Returns for LIC MF 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 13 Aug 24

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.7%
1 Year 7.3%
3 Year 5.9%
5 Year 5.2%
10 Year
15 Year
Since launch 6.9%
YearReturns
2023 7%
2022 4.7%
2021 3.3%
2020 4.3%
2019 6.5%
2018 7.3%
2017 6.6%
2016 7.6%
2015 8.4%
2014 9%
##### Fund Manager information for LIC MF Liquid Fund
NameSinceTenure
Rahul Singh5 Oct 158.75 Yr.

#### Data below for LIC MF Liquid Fund as on 30 Jun 24

Asset ClassValue
Cash99.75%
Other0.25%
##### Debt Sector Allocation
SectorValue
Cash Equivalent73.63%
Corporate18.59%
Government7.53%
RatingValue
AAA100%
##### Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Receivables / (Payables)
Net Current Assets | -
12%-₹1,213 Cr
91 DTB 02082024
Sovereign Bonds | -
6%₹597 Cr60,000,000
Punjab National Bank Limited**
Certificate of Deposit | -
5%₹498 Cr10,000
Bank of Baroda
Debentures | -
4%₹467 Cr9,500
↑ 9,500
182 DTB 26102024
Sovereign Bonds | -
4%₹447 Cr45,000,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
4%₹394 Cr8,000
↑ 8,000
India (Republic of)
- | -
3%₹346 Cr35,000,000
HDFC Bank Limited
Certificate of Deposit | -
3%₹345 Cr7,000
↑ 7,000
Tata Power Renewable Energy Limited
Commercial Paper | -
3%₹298 Cr6,000
India (Republic of)
- | -
3%₹298 Cr30,000,000

### 5. 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 2023 was 7% , 2022 was 4.9% and 2021 was 3.2% .

Below is the key information for Canara Robeco Liquid

 Canara Robeco Liquid Growth Launch Date 15 Jul 08 NAV (13 Aug 24) ₹2,956.81 ↑ 0.55   (0.02 %) Net Assets (Cr) ₹3,945 on 30 Jun 24 Category Debt - Liquid Fund AMC Canara Robeco Asset Management Co. Ltd. Rating ☆☆☆ Risk Low Expense Ratio 0.17 Sharpe Ratio 2.05 Information Ratio -2.61 Alpha Ratio -0.15 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.24% Effective Maturity 2 Months 1 Day Modified Duration 1 Month 26 Days

DateValue
31 Jul 19₹10,000
31 Jul 20₹10,463
31 Jul 21₹10,793
31 Jul 22₹11,188
31 Jul 23₹11,934
31 Jul 24₹12,809

#### 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

#### 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 13 Aug 24

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.7%
1 Year 7.3%
3 Year 5.9%
5 Year 5.1%
10 Year
15 Year
Since launch 6.9%
YearReturns
2023 7%
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%
##### Fund Manager information for Canara Robeco Liquid
NameSinceTenure
Avnish Jain1 Apr 222.25 Yr.
Kunal Jain18 Jul 221.96 Yr.

#### Data below for Canara Robeco Liquid as on 30 Jun 24

Asset ClassValue
Cash99.79%
Other0.21%
##### Debt Sector Allocation
SectorValue
Cash Equivalent70.28%
Corporate29.26%
Government0.25%
RatingValue
AAA100%
##### Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 08082024
Sovereign Bonds | -
12%₹468 Cr47,000,000
↑ 47,000,000
Indian Oil Corporation Limited
Commercial Paper | -
6%₹247 Cr5,000
Union Bank Of India
Certificate of Deposit | -
6%₹247 Cr5,000
↑ 5,000
HDFC Bank Limited
Certificate of Deposit | -
5%₹198 Cr4,000
Bank Of Baroda
Certificate of Deposit | -
5%₹194 Cr3,900
182 DTB 22082024
Sovereign Bonds | -
5%₹189 Cr19,000,000
↑ 19,000,000
Treps
CBLO/Reverse Repo | -
4%₹163 Cr
Icici Securities Limited
Commercial Paper | -
4%₹150 Cr3,000
Axis Securities Limited
Commercial Paper | -
4%₹149 Cr3,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
4%₹148 Cr3,000

### 6. Invesco India Liquid Fund

To provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through a portfolio of money market and debt securities.

Invesco India Liquid Fund is a Debt - Liquid Fund fund was launched on 17 Nov 06. It is a fund with Low risk and has given a `CAGR/Annualized` return of 7.1% since its launch.  Ranked 9 in `Liquid Fund` category.  Return for 2023 was 7% , 2022 was 4.8% and 2021 was 3.3% .

Below is the key information for Invesco India Liquid Fund

 Invesco India Liquid Fund Growth Launch Date 17 Nov 06 NAV (13 Aug 24) ₹3,376.65 ↑ 0.61   (0.02 %) Net Assets (Cr) ₹8,802 on 30 Jun 24 Category Debt - Liquid Fund AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.22 Sharpe Ratio 2.16 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.26% Effective Maturity 2 Months 5 Days Modified Duration 2 Months 5 Days

DateValue
31 Jul 19₹10,000
31 Jul 20₹10,505
31 Jul 21₹10,839
31 Jul 22₹11,238
31 Jul 23₹11,978
31 Jul 24₹12,855

#### Invesco India 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

#### Returns for Invesco India 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 13 Aug 24

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.7%
1 Year 7.3%
3 Year 5.9%
5 Year 5.2%
10 Year
15 Year
Since launch 7.1%
YearReturns
2023 7%
2022 4.8%
2021 3.3%
2020 4.1%
2019 6.5%
2018 7.4%
2017 6.7%
2016 7.6%
2015 8.4%
2014 9.1%
##### Fund Manager information for Invesco India Liquid Fund
NameSinceTenure
Krishna Cheemalapati25 Apr 1113.19 Yr.
Prateek Jain14 Feb 222.38 Yr.

#### Data below for Invesco India Liquid Fund as on 30 Jun 24

Asset ClassValue
Cash99.8%
Other0.2%
##### Debt Sector Allocation
SectorValue
Cash Equivalent65.82%
Corporate26.85%
Government7.13%
RatingValue
AAA100%
##### Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Receivables / (Payables)
CBLO | -
18%-₹1,602 Cr
191 DTB 19072024
Sovereign Bonds | -
3%₹249 Cr25,000,000
Punjab National Bank
Certificate of Deposit | -
3%₹248 Cr25,000,000
Small Industries Development Bank Of India
Commercial Paper | -
3%₹248 Cr25,000,000
182 DTB 22082024
Sovereign Bonds | -
3%₹248 Cr25,000,000
India (Republic of)
- | -
3%₹247 Cr25,000,000
↑ 24,000,000
Canara Bank
Certificate of Deposit | -
3%₹247 Cr25,000,000
HDFC Bank Limited
Certificate of Deposit | -
2%₹213 Cr21,500,000
8.4% Govt Stock 2024
Sovereign Bonds | -
2%₹200 Cr20,000,000
Godrej Consumer Products Limited
Commercial Paper | -
2%₹199 Cr20,000,000

### 7. Mahindra Liquid Fund

The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of money market and debt instruments. However, there is no assurance that the investment objective of the Scheme will be realized and the Scheme does not assure or guarantee any returns.

Mahindra Liquid Fund is a Debt - Liquid Fund fund was launched on 4 Jul 16. It is a fund with Low risk and has given a `CAGR/Annualized` return of 6% since its launch.  Return for 2023 was 7.1% , 2022 was 4.9% and 2021 was 3.3% .

Below is the key information for Mahindra Liquid Fund

 Mahindra Liquid Fund Growth Launch Date 4 Jul 16 NAV (13 Aug 24) ₹1,599.03 ↑ 0.28   (0.02 %) Net Assets (Cr) ₹1,313 on 15 Jun 24 Category Debt - Liquid Fund AMC Mahindra Asset Management Company Pvt. Ltd. Rating Not Rated Risk Low Expense Ratio 0.25 Sharpe Ratio 2.52 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.32% Effective Maturity 1 Month 27 Days Modified Duration 1 Month 28 Days

DateValue
31 Jul 19₹10,000
31 Jul 20₹10,534
31 Jul 21₹10,880
31 Jul 22₹11,284
31 Jul 23₹12,033
31 Jul 24₹12,915

#### Mahindra 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

#### Returns for Mahindra 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 13 Aug 24

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.6%
1 Year 7.3%
3 Year 5.9%
5 Year 5.3%
10 Year
15 Year
Since launch 6%
YearReturns
2023 7.1%
2022 4.9%
2021 3.3%
2020 4.3%
2019 6.7%
2018 7.4%
2017 6.7%
2016
2015
2014
##### Fund Manager information for Mahindra Liquid Fund
NameSinceTenure
Rahul Pal4 Jul 168 Yr.
Amit Garg8 Jun 204.07 Yr.

#### Data below for Mahindra Liquid Fund as on 15 Jun 24

Asset ClassValue
Cash99.89%
Other0.11%
##### Debt Sector Allocation
SectorValue
Cash Equivalent76.05%
Corporate15.11%
Government8.73%
RatingValue
AA3.43%
AAA96.57%
##### Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.69% Govt Stock 2024
Sovereign Bonds | -
7%₹95 Cr9,500,000
↑ 1,000,000
India (Republic of)
- | -
6%₹75 Cr7,500,000
↑ 1,500,000
Reverse Repo
CBLO/Reverse Repo | -
4%₹53 Cr533,274,038
↑ 389,384,730
Tata Realty And Infrastructure Limited
Debentures | -
4%₹50 Cr5,000,000
Aditya Birla Housing Finance Ltd.
Commercial Paper | -
4%₹50 Cr5,000,000
Godrej Properties Ltd.
Commercial Paper | -
4%₹50 Cr5,000,000
Export-Import Bank of India
Commercial Paper | -
4%₹50 Cr5,000,000
Axis Bank Limited
Certificate of Deposit | -
4%₹50 Cr5,000,000
Tata Housing Devlopment Co. Ltd.
Commercial Paper | -
4%₹50 Cr5,000,000
Ntpc Limited
Commercial Paper | -
4%₹50 Cr5,000,000

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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