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SWP Calculator -- Systematic Withdrawal Plan Calculator

Updated on June 5, 2023 , 17021 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 ₹470.777
↑ 0.09
₹14,52523.66.55.24.87.56%5M 8D5M 16D
Axis Liquid Fund Growth ₹2,516.52
↑ 0.44
₹25,7391.83.56.44.44.97.09%1M 8D1M 8D
Aditya Birla Sun Life Liquid Fund Growth ₹364.483
↑ 0.06
₹39,1311.93.56.44.44.87.32%1M 20D1M 20D
Baroda Pioneer Liquid Fund Growth ₹2,603.67
↑ 0.47
₹7,1111.83.56.44.44.97.15%26D29D
SBI Magnum Ultra Short Duration Fund Growth ₹5,165.49
↑ 0.97
₹11,49323.56.34.64.57.44%5M 12D5M 26D
Canara Robeco Liquid Growth ₹2,721.27
↑ 0.46
₹3,7321.83.56.34.34.97.07%1M 4D1M 7D
UTI Liquid Cash Plan Growth ₹3,710.92
↑ 0.67
₹27,7721.83.56.34.34.87.23%1M 27D1M 27D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Jun 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 (07 Jun 23) ₹470.777 ↑ 0.09   (0.02 %)
Net Assets (Cr) ₹14,525 on 30 Apr 23
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.49
Sharpe Ratio -0.55
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.56%
Effective Maturity 5 Months 16 Days
Modified Duration 5 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
31 May 18₹10,000
31 May 19₹10,874
31 May 20₹11,722
31 May 21₹12,369
31 May 22₹12,833
31 May 23₹13,652

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 7 Jun 23

DurationReturns
1 Month 0.7%
3 Month 2%
6 Month 3.6%
1 Year 6.5%
3 Year 5.2%
5 Year 6.4%
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 Cunha14 Jun 148.88 Yr.
Kaustubh Gupta15 Jul 1111.8 Yr.
Monika Gandhi22 Mar 212.11 Yr.
Dhaval Joshi21 Nov 220.44 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 30 Apr 23

Asset Allocation
Asset ClassValue
Cash61.38%
Debt38.62%
Debt Sector Allocation
SectorValue
Corporate43.74%
Cash Equivalent30.82%
Government25.2%
Securitized0.24%
Credit Quality
RatingValue
AA21.44%
AAA78.56%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 29062023
Sovereign Bonds | -
6%₹855 Cr86,204,130
↓ -5,000,000
Housing Development Finance Corporation Ltd
Debentures | -
4%₹597 Cr6,000
182 DTB 29092023
Sovereign Bonds | -
3%₹487 Cr50,000,000
Hindalco Industries Limited
Debentures | -
2%₹350 Cr35,000
Bharti Telecom Limited
Debentures | -
2%₹325 Cr3,250
Shriram Finance Limited
Debentures | -
2%₹275 Cr2,750
Sikka Ports & Terminals Limited
Debentures | -
2%₹252 Cr2,520
Reliance Industries Limited
Debentures | -
2%₹251 Cr2,500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹250 Cr2,500
Cholamandalam Investment And Fin. Co. Ltd
Debentures | -
2%₹250 Cr2,500

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 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 (07 Jun 23) ₹2,516.52 ↑ 0.44   (0.02 %)
Net Assets (Cr) ₹25,739 on 30 Apr 23
Category Debt - Liquid Fund
AMC Axis Asset Management Company Limited
Rating
Risk Low
Expense Ratio 0.25
Sharpe Ratio 0.39
Information Ratio 0
Alpha Ratio 0
Min Investment 500
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.09%
Effective Maturity 1 Month 8 Days
Modified Duration 1 Month 8 Days

Growth of 10,000 investment over the years.

DateValue
31 May 18₹10,000
31 May 19₹10,758
31 May 20₹11,391
31 May 21₹11,760
31 May 22₹12,170
31 May 23₹12,936

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 7 Jun 23

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.5%
1 Year 6.4%
3 Year 4.4%
5 Year 5.3%
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 1210.49 Yr.
Aditya Pagaria13 Aug 166.72 Yr.

Data below for Axis Liquid Fund as on 30 Apr 23

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent70.62%
Government22.24%
Corporate7.14%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Clearing Corporation Of India Ltd
CBLO/Reverse Repo | -
6%₹1,895 Cr
91 DTB 13072023
Sovereign Bonds | -
3%₹989 Cr100,000,000
91 DTB 15062023
Sovereign Bonds | -
3%₹806 Cr81,000,000
Punjab National Bank
Certificate of Deposit | -
3%₹795 Cr16,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
3%₹777 Cr15,600
↑ 4,100
Canara Bank
Certificate of Deposit | -
3%₹749 Cr15,000
91 DTB 25052023
Sovereign Bonds | -
3%₹749 Cr75,000,000
Indian Bank
Certificate of Deposit | -
3%₹747 Cr15,000
Punjab National Bank
Certificate of Deposit | -
2%₹738 Cr15,000
↑ 15,000
Small Industries Development Bank Of India
Commercial Paper | -
2%₹572 Cr11,500

3. 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 (07 Jun 23) ₹364.483 ↑ 0.06   (0.02 %)
Net Assets (Cr) ₹39,131 on 30 Apr 23
Category Debt - Liquid Fund
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Low
Expense Ratio 0.33
Sharpe Ratio -0.02
Information Ratio -4.07
Alpha Ratio -0.16
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.32%
Effective Maturity 1 Month 20 Days
Modified Duration 1 Month 20 Days

Growth of 10,000 investment over the years.

DateValue
31 May 18₹10,000
31 May 19₹10,754
31 May 20₹11,390
31 May 21₹11,764
31 May 22₹12,170
31 May 23₹12,936

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 7 Jun 23

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.5%
1 Year 6.4%
3 Year 4.4%
5 Year 5.3%
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 1111.8 Yr.
Kaustubh Gupta15 Jul 1111.8 Yr.
Sanjay Pawar1 Jul 220.83 Yr.
Dhaval Joshi21 Nov 220.44 Yr.

Data below for Aditya Birla Sun Life Liquid Fund as on 30 Apr 23

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent68.16%
Corporate17.34%
Government14.5%
Credit Quality
RatingValue
AA0.09%
AAA99.91%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reverse Repo
CBLO/Reverse Repo | -
6%₹2,622 Cr
7.16% Govt Stock 2023
Sovereign Bonds | -
6%₹2,433 Cr243,337,000
91 DTB 13072023
Sovereign Bonds | -
5%₹1,908 Cr192,921,400
Indian Bank
Certificate of Deposit | -
4%₹1,792 Cr36,000
Bank Of Maharashtra
Certificate of Deposit | -
2%₹996 Cr20,000
Dbs Bank India Limited
Certificate of Deposit | -
2%₹993 Cr20,000
Indian Bank
Certificate of Deposit | -
2%₹991 Cr20,000
Reliance Retail Ventures Limited
Commercial Paper | -
2%₹985 Cr19,800
Net Receivables / (Payables)
CBLO | -
2%-₹875 Cr
ICICI Securities Limited
Commercial Paper | -
2%₹795 Cr16,000

4. 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 (07 Jun 23) ₹2,603.67 ↑ 0.47   (0.02 %)
Net Assets (Cr) ₹7,111 on 30 Apr 23
Category Debt - Liquid Fund
AMC Baroda Pioneer Asset Management Co. Ltd.
Rating
Risk Low
Expense Ratio 0.25
Sharpe Ratio 0.42
Information Ratio -3.5
Alpha Ratio -0.1
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.15%
Effective Maturity 29 Days
Modified Duration 26 Days

Growth of 10,000 investment over the years.

DateValue
31 May 18₹10,000
31 May 19₹10,757
31 May 20₹11,382
31 May 21₹11,746
31 May 22₹12,159
31 May 23₹12,924

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 7 Jun 23

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.5%
1 Year 6.4%
3 Year 4.4%
5 Year 5.3%
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 220.53 Yr.
Vikram Pamnani14 Mar 221.13 Yr.

Data below for Baroda Pioneer Liquid Fund as on 30 Apr 23

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent70.53%
Corporate21.27%
Government8.2%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps 16-May-2023
CBLO/Reverse Repo | -
20%₹1,660 Cr
Net Receivable / Payable
CBLO | -
9%-₹746 Cr
182 DTB 01062023
Sovereign Bonds | -
5%₹379 Cr38,000,000
↑ 23,000,000
Small Industries Development Bank of India
Commercial Paper | -
4%₹344 Cr7,000
↑ 7,000
364 Dtb 01062023
Sovereign Bonds | -
4%₹323 Cr32,400,000
Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -
4%₹314 Cr6,300
↑ 300
Canara Bank
Certificate of Deposit | -
4%₹300 Cr6,000
Ntpc Limited
Commercial Paper | -
4%₹296 Cr6,000
↑ 6,000
Reliance Retail Ventures Limited
Commercial Paper | -
3%₹250 Cr5,000
Larsen And Toubro Limited
Commercial Paper | -
3%₹248 Cr5,000

5. SBI Magnum Ultra Short Duration Fund

(Erstwhile SBI Magnum InstaCash Fund)

To provide the investors an opportunity to earn returns through investment in debt & money market securities, while having the benefit of a very high degree of liquidity.

SBI Magnum Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 21 May 99. It is a fund with Low risk and has given a CAGR/Annualized return of 7.1% since its launch.  Return for 2022 was 4.5% , 2021 was 3.4% and 2020 was 5.9% .

Below is the key information for SBI Magnum Ultra Short Duration Fund

SBI Magnum Ultra Short Duration Fund
Growth
Launch Date 21 May 99
NAV (07 Jun 23) ₹5,165.49 ↑ 0.97   (0.02 %)
Net Assets (Cr) ₹11,493 on 30 Apr 23
Category Debt - Ultrashort Bond
AMC SBI Funds Management Private Limited
Rating
Risk Low
Expense Ratio 0.49
Sharpe Ratio -0.87
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.44%
Effective Maturity 5 Months 26 Days
Modified Duration 5 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
31 May 18₹10,000
31 May 19₹10,848
31 May 20₹11,658
31 May 21₹12,150
31 May 22₹12,545
31 May 23₹13,324

SBI Magnum Ultra Short Duration 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 SBI Magnum Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Jun 23

DurationReturns
1 Month 0.7%
3 Month 2%
6 Month 3.5%
1 Year 6.3%
3 Year 4.6%
5 Year 5.9%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.5%
2021 3.4%
2020 5.9%
2019 8%
2018 7.9%
2017 6.6%
2016 7.7%
2015 8.3%
2014 9%
2013 9.3%
Fund Manager information for SBI Magnum Ultra Short Duration Fund
NameSinceTenure
Mohit Jain30 Nov 175.42 Yr.
Arun R.1 Jul 211.83 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 30 Apr 23

Asset Allocation
Asset ClassValue
Cash78.57%
Debt21.43%
Debt Sector Allocation
SectorValue
Cash Equivalent59.11%
Government20.48%
Corporate20.41%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 03082023
Sovereign Bonds | -
10%₹1,202 Cr122,000,000
↑ 122,000,000
182 DTB 22092023
Sovereign Bonds | -
3%₹439 Cr45,000,000
91 DTB 01062023
Sovereign Bonds | -
2%₹282 Cr28,331,000
182 DTB 31082023
Sovereign Bonds | -
2%₹245 Cr25,000,000
182 DTB 14092023
Sovereign Bonds | -
2%₹196 Cr20,000,000
09.63 AP Sdl 2024
Sovereign Bonds | -
1%₹184 Cr18,100,000
Kotak Mahindra Prime Limited
Debentures | -
1%₹173 Cr1,750
7.16% Govt Stock 2023
Sovereign Bonds | -
1%₹147 Cr14,700,000
Bajaj Housing Finance Limited
Debentures | -
1%₹147 Cr1,500
↑ 1,000
National Bank For Agriculture And Rural Development
Debentures | -
1%₹125 Cr1,250

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 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 (07 Jun 23) ₹2,721.27 ↑ 0.46   (0.02 %)
Net Assets (Cr) ₹3,732 on 15 May 23
Category Debt - Liquid Fund
AMC Canara Robeco Asset Management Co. Ltd.
Rating
Risk Low
Expense Ratio 0.14
Sharpe Ratio 0.26
Information Ratio -3.43
Alpha Ratio -0.09
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.07%
Effective Maturity 1 Month 7 Days
Modified Duration 1 Month 4 Days

Growth of 10,000 investment over the years.

DateValue
31 May 18₹10,000
31 May 19₹10,743
31 May 20₹11,301
31 May 21₹11,654
31 May 22₹12,053
31 May 23₹12,811

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 7 Jun 23

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.5%
1 Year 6.3%
3 Year 4.3%
5 Year 5.1%
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 221.08 Yr.
Kunal Jain18 Jul 220.79 Yr.

Data below for Canara Robeco Liquid as on 15 May 23

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent78.41%
Corporate12.93%
Government8.66%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps
CBLO/Reverse Repo | -
7%₹255 Cr
Reliance Retail Ventures Limited
Commercial Paper | -
5%₹197 Cr4,000
↑ 4,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
5%₹173 Cr3,500
↑ 3,500
91 DTB 10082023
Sovereign Bonds | -
5%₹172 Cr17,500,000
↑ 17,500,000
Small Industries Development Bank Of India
Certificate of Deposit | -
4%₹150 Cr3,000
Union Bank Of India
Certificate of Deposit | -
4%₹149 Cr3,000
↑ 2,000
LIC Housing Finance Limited
Commercial Paper | -
3%₹125 Cr2,500
Housing Development Finance Corporation Limited
Commercial Paper | -
3%₹100 Cr2,000
Bajaj Finance Limited
Commercial Paper | -
3%₹100 Cr2,000
↑ 1,000
Axis Bank Limited
Certificate of Deposit | -
3%₹100 Cr2,000

7. 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 (07 Jun 23) ₹3,710.92 ↑ 0.67   (0.02 %)
Net Assets (Cr) ₹27,772 on 30 Apr 23
Category Debt - Liquid Fund
AMC UTI Asset Management Company Ltd
Rating
Risk Low
Expense Ratio 0.23
Sharpe Ratio -0.1
Information Ratio -4.86
Alpha Ratio -0.16
Min Investment 500
Min SIP Investment 1,500
Exit Load NIL
Yield to Maturity 7.23%
Effective Maturity 1 Month 27 Days
Modified Duration 1 Month 27 Days

Growth of 10,000 investment over the years.

DateValue
31 May 18₹10,000
31 May 19₹10,757
31 May 20₹11,378
31 May 21₹11,747
31 May 22₹12,154
31 May 23₹12,916

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 7 Jun 23

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.5%
1 Year 6.3%
3 Year 4.3%
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 175.82 Yr.

Data below for UTI Liquid Cash Plan as on 30 Apr 23

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent60.03%
Government25.42%
Corporate14.55%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Commercial Paper | -
4%₹1,243 Cr12,500,000,000
91 DTB 27072023
Sovereign Bonds | -
4%₹1,233 Cr12,500,000,000
↑ 12,500,000,000
91 DTB 23062023
Sovereign Bonds | -
4%₹1,192 Cr12,000,000,000
Net Current Assets
Net Current Assets | -
4%₹1,041 Cr
Indian Bank
Certificate of Deposit | -
3%₹846 Cr8,500,000,000
91 DTB 18052023
Sovereign Bonds | -
3%₹790 Cr7,900,000,000
91 DTB 06072023
Sovereign Bonds | -
3%₹743 Cr7,500,000,000
91 DTB 20072023
Sovereign Bonds | -
3%₹741 Cr7,500,000,000
↑ 7,500,000,000
7.16% Govt Stock 2023
Sovereign Bonds | -
2%₹700 Cr7,000,000,000
Punjab & Sind Bank
Certificate of Deposit | -
2%₹500 Cr5,000,000,000

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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