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एसडब्ल्यूपी कैलकुलेटर - व्यवस्थित निकासी योजना कैलकुलेटर

Updated on September 25, 2023 , 18896 views

एसडब्ल्यूपी कैलकुलेटर एक ऐसा उपकरण है जो व्यक्तियों को यह गणना करने में मदद करता है कि उनका एसडब्ल्यूपी निवेश अवधि के दौरान कैसा रहेगा। SWP या सिस्टमैटिक विदड्रॉअल प्लान, यूनिट्स को रिडीम करने या इनमें निवेश करने की एक तकनीक हैम्यूचुअल फंड्स. एसडब्ल्यूपी में, व्यक्ति अपना पैसा म्यूचुअल फंड योजना में निवेश करते हैं और फिर एक निश्चित अवधि में अपने निवेश को वापस ले लेते हैं। एसडब्ल्यूपी आम तौर पर उन व्यक्तियों के लिए उपयुक्त है जो एक निश्चित की तलाश में हैंआय नियमित कार्यकाल के दौरान। यह लेख आपको सिस्टमैटिक विदड्रॉल प्लान की अवधारणा, एसडब्ल्यूपी कैलकुलेटर कैसे काम करता है, और अन्य संबंधित मापदंडों की समग्र समझ देता है।

म्यूचुअल फंड में SWP का क्या मतलब है?

म्यूचुअल फंड में व्यवस्थित निकासी योजना या एसडब्ल्यूपी म्यूचुअल फंड निवेश की इकाइयों को भुनाने की एक व्यवस्थित और नियोजित प्रक्रिया को संदर्भित करता है। SWP की अवधारणा इसके विपरीत तरीके से काम करती हैसिप. एसडब्ल्यूपी में, व्यक्ति म्यूचुअल फंड योजनाओं में एकमुश्त राशि का निवेश करते हैं जो आम तौर पर कम जोखिम वाली होती हैं, जैसेलिक्विड फंड या अल्ट्राअल्पकालिक निधि. इसके बाद व्यक्ति नियमित अंतराल पर निवेश की गई राशि को निकालना शुरू कर देते हैं। व्यक्ति अपनी आवश्यकताओं के आधार पर अपनी निकासी की आवृत्ति जैसे मासिक, त्रैमासिक, वार्षिक आदि को अनुकूलित कर सकते हैं। इस मामले में, म्यूचुअल फंड में निवेश किया गया पैसा भी व्यक्तियों के लिए राजस्व प्राप्त करता है। व्यक्ति, विशेष रूप से सेवानिवृत्त व्यक्ति, जो आय के नियमित स्रोत की तलाश में हैं, वे व्यवस्थित निकासी योजना का विकल्प चुन सकते हैं।म्यूचुअल फंड में निवेश.

एसडब्ल्यूपी म्यूचुअल फंड कैलकुलेटर

SWP कैलकुलेटर व्यक्तियों को एक निश्चित अवधि में म्यूचुअल फंड निवेश में उनकी निकासी का अनुमान लगाने में मदद करता है। एसडब्ल्यूपी कैलकुलेटर में दर्ज किए जाने वाले इनपुट डेटा में शामिल हैं:

एसडब्ल्यूपी/आहरण राशि - यह निश्चित निकासी राशि को संदर्भित करता है जिसे आप नियमित अंतराल पर निकालने की योजना बना रहे हैं।
प्रारंभिक निवेश - प्रारंभिक निवेश एकमुश्त राशि को संदर्भित करता है जिसे आप म्यूचुअल फंड योजना में निवेश करना चाहते हैं।
निकासी आवृत्ति - निकासी आवृत्ति, उस समय सीमा को संदर्भित करती है जिस पर आप अपना निवेश वापस लेना चाहते हैं। यह मासिक, साप्ताहिक या त्रैमासिक हो सकता है। आम तौर पर गणना मासिक के लिए की जाती है।
रिटर्न की अपेक्षित दर - इसका मतलब है कि आप अपने निवेश पर रिटर्न की उम्मीद कर रहे हैं।

तो, आइए हम एक उदाहरण के साथ एसडब्ल्यूपी कैलकुलेटर की अवधारणा को विस्तृत रूप से समझते हैं।

नमूना चित्रण

प्रारंभिक निवेश राशि - INR 1.20,000
एसडब्ल्यूपी राशि - INR 10,000
निकासी अवधि - 12 महीने
वापसी की अपेक्षित दर - 7%

एसडब्ल्यूपी तालिका की गणना नीचे दी गई है।

महीना	माह की शुरुआत में शेष राशि (INR)	मोचन राशि (INR)	अर्जित ब्याज (INR)	माह के अंत में शेष राशि (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
1 1	23,921	10,000	81	14,003
12	14,003	10,000	23	4,026

इस प्रकार, उपरोक्त तालिका से, यह कहा जा सकता है कि एसडब्ल्यूपी लेनदेन के माध्यम से म्यूचुअल फंड योजना का अर्जित लाभ 4,026 रुपये है।

SWP Calculator

VALUE AT END OF TENOR:₹4,597

व्यवस्थित निकासी योजना के लाभ

एसडब्ल्यूपी के कुछ प्रमुख लाभ इस प्रकार हैं।

नियमित आय प्रवाह

SWP के प्राथमिक लाभों में से एक यह है कि व्यक्ति नियमित आय के स्रोत के रूप में व्यवस्थित निकासी योजना का उपयोग कर सकते हैं। ऐसा इसलिए है क्योंकि निकाली गई राशि स्थिर रहती है।

अनुशासित निकासी की आदत

SWP व्यक्तियों के बीच एक अनुशासित निकासी की आदत बनाता है क्योंकि केवल एक निश्चित राशि निकाली जाती है और शेष धन को म्यूचुअल फंड में निवेश किया जाता है। यह रोकता हैराजधानी निवेश पर कटाव साथ ही, म्यूचुअल फंड में निवेश रिटर्न उत्पन्न करता है।

पेंशन के लिए विकल्प

SWP सेवानिवृत्त व्यक्तियों के मामले में पेंशन के विकल्प के रूप में कार्य करता है। सेवानिवृत्त व्यक्ति एसडब्ल्यूपी के माध्यम से नियमित आय के लिए स्वयं को आश्वस्त कर सकते हैं।

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2022 के लिए सर्वश्रेष्ठ एसडब्ल्यूपी म्यूचुअल फंड

एसडब्ल्यूपी आम तौर पर म्यूचुअल फंड योजनाओं में किया जाता है जिसमें लिक्विड फंड जैसे जोखिम का स्तर कम होता है। इसलिए, लिक्विड/अल्ट्राशॉर्ट श्रेणी के तहत कुछ बेहतरीन म्यूचुअल फंड योजनाएं जिनकी शुद्ध संपत्ति . से अधिक है1000 करोड़ नीचे सूचीबद्ध हैं।

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	₹477.445 ↑ 0.09	₹14,783	1.7	3.7	6.8	5.1	4.8	7.39%	5M 1D	5M 8D
Canara Robeco Liquid Growth	₹2,758.98 ↑ 0.55	₹3,297	1.7	3.5	6.7	4.6	4.9	6.8%	24D	26D
Axis Liquid Fund Growth	₹2,551.37 ↑ 0.48	₹27,002	1.7	3.5	6.7	4.6	4.9	6.99%	2M 2D	2M 2D
BOI AXA Liquid Fund Growth	₹2,637.31 ↑ 0.50	₹1,110	1.7	3.5	6.7	4.6	4.9	6.85%	1M 13D	1M 13D
Aditya Birla Sun Life Liquid Fund Growth	₹369.501 ↑ 0.07	₹46,406	1.7	3.5	6.7	4.6	4.8	7%	1M 13D	1M 17D
Baroda Pioneer Liquid Fund Growth	₹2,639.62 ↑ 0.50	₹8,660	1.7	3.5	6.7	4.6	4.9	6.93%	29D	1M 2D
UTI Liquid Cash Plan Growth	₹3,762.15 ↑ 0.70	₹33,902	1.7	3.5	6.7	4.6	4.8	7%	1M 25D	1M 25D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Aug 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 (22 Aug 23)	₹477.445 ↑ 0.09 (0.02 %)
Net Assets (Cr)	₹14,783 on 31 Jul 23
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.52
Sharpe Ratio	1.11
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.39%
Effective Maturity	5 Months 8 Days
Modified Duration	5 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Aug 18	₹10,000
31 Aug 19	₹10,897
31 Aug 20	₹11,732
31 Aug 21	₹12,264
31 Aug 22	₹12,745
31 Aug 23	₹13,620

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 22 Aug 23

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.7%
1 Year	6.8%
3 Year	5.1%
5 Year	6.4%
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	9.21 Yr.
Kaustubh Gupta	15 Jul 11	12.14 Yr.
Monika Gandhi	22 Mar 21	2.45 Yr.
Dhaval Joshi	21 Nov 22	0.78 Yr.

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

Asset Allocation

Asset Class	Value
Cash	54.34%
Debt	45.66%

Debt Sector Allocation

Sector	Value
Corporate	46.88%
Cash Equivalent	30.31%
Government	22.81%

Credit Quality

Rating	Value
AA	20.68%
AAA	79.32%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Limited Debentures \| -	4%	₹597 Cr	6,000
182 DTB 21122023 Sovereign Bonds \| -	3%	₹465 Cr	47,500,000
Tata Realty And Infrastructure Limited Debentures \| -	2%	₹360 Cr	36,000
Hindalco Industries Limited Debentures \| -	2%	₹350 Cr	35,000
Bharti Telecom Limited Debentures \| -	2%	₹325 Cr	3,250
182 DTB 07122023 Sovereign Bonds \| -	2%	₹295 Cr	30,000,000
Cholamandalam Investment And Fin. Co. Ltd Debentures \| -	2%	₹250 Cr	2,500
HDFC Bank Limited Debentures \| -	2%	₹245 Cr	2,450
India (Republic of) - \| -	1%	₹173 Cr	17,500,000
Reliance Industries Limited Debentures \| -	1%	₹150 Cr	1,500

2. 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 (22 Aug 23)	₹2,758.98 ↑ 0.55 (0.02 %)
Net Assets (Cr)	₹3,297 on 31 Jul 23
Category	Debt - Liquid Fund
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	☆☆☆
Risk	Low
Expense Ratio	0.17
Sharpe Ratio	1.4
Information Ratio	-4.12
Alpha Ratio	-0.12
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.8%
Effective Maturity	26 Days
Modified Duration	24 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 18	₹10,000
31 Aug 19	₹10,709
31 Aug 20	₹11,182
31 Aug 21	₹11,536
31 Aug 22	₹11,981
31 Aug 23	₹12,792

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 22 Aug 23

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.5%
1 Year	6.7%
3 Year	4.6%
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	1.42 Yr.
Kunal Jain	18 Jul 22	1.12 Yr.

Data below for Canara Robeco Liquid as on 31 Jul 23

Asset Allocation

Asset Class	Value
Cash	100%

Debt Sector Allocation

Sector	Value
Cash Equivalent	73.06%
Government	13.88%
Corporate	13.06%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
91 DTB 02112023 Sovereign Bonds \| -	20%	₹646 Cr
Power Finance Corporation Ltd. Commercial Paper \| -	8%	₹249 Cr	5,000
Union Bank Of India Certificate of Deposit \| -	6%	₹200 Cr	4,000 ↑ 4,000
ICICI Bank Limited Certificate of Deposit \| -	6%	₹197 Cr	4,000 ↑ 4,000
Small Industries Development Bank Of India Commercial Paper \| -	5%	₹150 Cr	3,000
Bajaj Finance Limited Commercial Paper \| -	5%	₹148 Cr	3,000 ↑ 3,000
Indian Bank Certificate of Deposit \| -	4%	₹124 Cr	2,500
HDFC Bank Limited Debentures \| -	3%	₹100 Cr	1,000
Axis Bank Limited Certificate of Deposit \| -	3%	₹100 Cr	2,000
Shree Cement Limited Commercial Paper \| -	3%	₹100 Cr	2,000

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 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 (22 Aug 23)	₹2,551.37 ↑ 0.48 (0.02 %)
Net Assets (Cr)	₹27,002 on 31 Jul 23
Category	Debt - Liquid Fund
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.22
Sharpe Ratio	1.21
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.99%
Effective Maturity	2 Months 2 Days
Modified Duration	2 Months 2 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 18	₹10,000
31 Aug 19	₹10,735
31 Aug 20	₹11,280
31 Aug 21	₹11,644
31 Aug 22	₹12,098
31 Aug 23	₹12,916

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 22 Aug 23

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.5%
1 Year	6.7%
3 Year	4.6%
5 Year	5.3%
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	10.83 Yr.
Aditya Pagaria	13 Aug 16	7.05 Yr.
Sachin Jain	3 Jul 23	0.16 Yr.

Data below for Axis Liquid Fund as on 31 Jul 23

Asset Allocation

Asset Class	Value
Cash	100%
Debt	0%

Debt Sector Allocation

Sector	Value
Cash Equivalent	78.57%
Corporate	13.53%
Government	7.9%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Limited CBLO/Reverse Repo \| -	4%	₹1,099 Cr
91 DTB 14092023 Sovereign Bonds \| -	4%	₹998 Cr	100,000,000
Reliance Retail Ventures Limited Commercial Paper \| -	3%	₹836 Cr	17,000 ↑ 17,000
91 DTB 07092023 Sovereign Bonds \| -	3%	₹799 Cr	80,000,000 ↓ -50,000,000
Small Industries Development Bank Of India Commercial Paper \| -	3%	₹738 Cr	15,000 ↑ 15,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	3%	₹737 Cr	15,000 ↑ 15,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	3%	₹699 Cr	14,000
Small Industries Development Bank Of India Commercial Paper \| -	3%	₹697 Cr	14,000
Reliance Retail Ventures Limited Commercial Paper \| -	3%	₹697 Cr	14,000
91 DTB 09112023 Sovereign Bonds \| -	2%	₹588 Cr	59,500,000

4. 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 (22 Aug 23)	₹2,637.31 ↑ 0.50 (0.02 %)
Net Assets (Cr)	₹1,110 on 31 Jul 23
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.22
Sharpe Ratio	1.31
Information Ratio	-4.01
Alpha Ratio	-0.13
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.85%
Effective Maturity	1 Month 13 Days
Modified Duration	1 Month 13 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 18	₹10,000
31 Aug 19	₹10,717
31 Aug 20	₹11,237
31 Aug 21	₹11,593
31 Aug 22	₹12,051
31 Aug 23	₹12,867

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 22 Aug 23

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.5%
1 Year	6.7%
3 Year	4.6%
5 Year	5.2%
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	2.04 Yr.

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

Asset Allocation

Asset Class	Value
Cash	100%

Debt Sector Allocation

Sector	Value
Cash Equivalent	55.83%
Corporate	33.02%
Government	11.15%

Credit Quality

Rating	Value
AA	4.7%
AAA	95.3%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Repo CBLO/Reverse Repo \| -	10%	₹111 Cr
Net Receivables / (Payables) CBLO \| -	9%	-₹97 Cr
State Bank Of India Certificate of Deposit \| -	7%	₹75 Cr	7,500,000
Power Finance Corporation Ltd. Commercial Paper \| -	4%	₹50 Cr	5,000,000
Canara Bank Certificate of Deposit \| -	4%	₹50 Cr	5,000,000
182 DTB 29092023 Sovereign Bonds \| -	4%	₹50 Cr	5,000,000 ↑ 5,000,000
91 DTB 05102023 Sovereign Bonds \| -	4%	₹50 Cr	5,000,000
Axis Bank Limited Certificate of Deposit \| -	4%	₹50 Cr	5,000,000
HDFC Bank Limited Commercial Paper \| -	4%	₹50 Cr	5,000,000
Axis Finance Limited Commercial Paper \| -	4%	₹49 Cr	5,000,000

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 (22 Aug 23)	₹369.501 ↑ 0.07 (0.02 %)
Net Assets (Cr)	₹46,406 on 31 Jul 23
Category	Debt - Liquid Fund
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.33
Sharpe Ratio	0.97
Information Ratio	-3.99
Alpha Ratio	-0.19
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7%
Effective Maturity	1 Month 17 Days
Modified Duration	1 Month 13 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 18	₹10,000
31 Aug 19	₹10,740
31 Aug 20	₹11,287
31 Aug 21	₹11,648
31 Aug 22	₹12,098
31 Aug 23	₹12,915

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 22 Aug 23

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.5%
1 Year	6.7%
3 Year	4.6%
5 Year	5.3%
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	12.14 Yr.
Kaustubh Gupta	15 Jul 11	12.14 Yr.
Sanjay Pawar	1 Jul 22	1.17 Yr.
Dhaval Joshi	21 Nov 22	0.78 Yr.

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

Asset Allocation

Asset Class	Value
Cash	100%

Debt Sector Allocation

Sector	Value
Cash Equivalent	63.81%
Corporate	21.86%
Government	14.33%

Credit Quality

Rating	Value
AA	0.79%
AAA	99.21%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 22092023 Sovereign Bonds \| -	7%	₹2,789 Cr	280,000,000
Reverse Repo CBLO/Reverse Repo \| -	6%	₹2,554 Cr
Net Receivables / (Payables) Net Current Assets \| -	6%	-₹2,386 Cr
Small Industries Development Bank Of India Commercial Paper \| -	5%	₹1,966 Cr	40,000 ↑ 40,000
Bank Of Baroda Certificate of Deposit \| -	5%	₹1,954 Cr	39,700 ↑ 39,700
182 DTB 14092023 Sovereign Bonds \| -	3%	₹1,082 Cr	108,500,000
IDFC Bank Limited Certificate of Deposit \| -	2%	₹959 Cr	19,500 ↑ 19,500
Bank Of Maharashtra Certificate of Deposit \| -	2%	₹948 Cr	19,000 ↓ -1,000
Rural Electrification Corporation Limited Commercial Paper \| -	2%	₹895 Cr	18,000
Punjab And Sind Bank Certificate of Deposit \| -	2%	₹800 Cr	16,000 ↑ 16,000

6. 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 (22 Aug 23)	₹2,639.62 ↑ 0.50 (0.02 %)
Net Assets (Cr)	₹8,660 on 31 Jul 23
Category	Debt - Liquid Fund
AMC	Baroda Pioneer Asset Management Co. Ltd.
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	1.11
Information Ratio	-4.08
Alpha Ratio	-0.15
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.93%
Effective Maturity	1 Month 2 Days
Modified Duration	29 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 18	₹10,000
31 Aug 19	₹10,731
31 Aug 20	₹11,263
31 Aug 21	₹11,629
31 Aug 22	₹12,086
31 Aug 23	₹12,901

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 22 Aug 23

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.5%
1 Year	6.7%
3 Year	4.6%
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	0.86 Yr.
Vikram Pamnani	14 Mar 22	1.47 Yr.

Data below for Baroda Pioneer Liquid Fund as on 31 Jul 23

Asset Allocation

Asset Class	Value
Cash	100%

Debt Sector Allocation

Sector	Value
Cash Equivalent	66.96%
Corporate	21.91%
Government	11.14%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indian Railway Finance Corporation Limited Commercial Paper \| -	5%	₹522 Cr	10,500 ↑ 10,500
91 DTB 23112023 Sovereign Bonds \| -	5%	₹517 Cr	52,500,000 ↑ 52,500,000
HDFC Bank Limited Certificate of Deposit \| -	5%	₹492 Cr	10,000 ↑ 10,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	5%	₹492 Cr	10,000 ↑ 10,000
Reliance Industries Limited Commercial Paper \| -	5%	₹469 Cr	9,500 ↑ 9,500
Treps 01-Sep-2023 CBLO/Reverse Repo \| -	4%	₹452 Cr
State Bank Of India Certificate of Deposit \| -	4%	₹449 Cr	9,000
ICICI Bank Limited Certificate of Deposit \| -	4%	₹419 Cr	8,500 ↑ 8,500
Tata Capital Financial Services Limited Commercial Paper \| -	3%	₹297 Cr	6,000 ↑ 6,000
91 DTB 17112023 Sovereign Bonds \| -	3%	₹296 Cr	30,000,000 ↑ 30,000,000

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 (22 Aug 23)	₹3,762.15 ↑ 0.70 (0.02 %)
Net Assets (Cr)	₹33,902 on 31 Jul 23
Category	Debt - Liquid Fund
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.23
Sharpe Ratio	0.89
Information Ratio	-4.57
Alpha Ratio	-0.18
Min Investment	500
Min SIP Investment	1,500
Exit Load	NIL
Yield to Maturity	7%
Effective Maturity	1 Month 25 Days
Modified Duration	1 Month 25 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 18	₹10,000
31 Aug 19	₹10,734
31 Aug 20	₹11,268
31 Aug 21	₹11,631
31 Aug 22	₹12,082
31 Aug 23	₹12,895

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 22 Aug 23

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.5%
1 Year	6.7%
3 Year	4.6%
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	6.15 Yr.

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

Asset Allocation

Asset Class	Value
Cash	99.86%
Debt	0.14%

Debt Sector Allocation

Sector	Value
Cash Equivalent	76.87%
Government	19.59%
Corporate	3.54%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
91 DTB 13072023 Sovereign Bonds \| -	4%	₹1,247 Cr	12,500,000,000
182 DTB 31082023 Sovereign Bonds \| -	4%	₹1,047 Cr	10,500,000,000
Indian Bank Certificate of Deposit \| -	3%	₹994 Cr	10,000,000,000
91 DTB 02112023 Sovereign Bonds \| -	3%	₹943 Cr	9,561,160,000 ↑ 9,561,160,000
Small Industries Development Bank Of India Commercial Paper \| -	3%	₹749 Cr	7,500,000,000
91 DTB 13072023 Sovereign Bonds \| -	3%	₹749 Cr	7,500,000,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	3%	₹746 Cr	7,500,000,000
Reliance Retail Ventures Limited Commercial Paper \| -	2%	₹695 Cr	7,000,000,000
Can Fin Homes Ltd. Commercial Paper \| -	2%	₹499 Cr	5,000,000,000
ICICI Securities Primary Dealership Ltd Commercial Paper \| -	2%	₹498 Cr	5,000,000,000

Disclaimer:
यहां प्रदान की गई जानकारी सटीक है, यह सुनिश्चित करने के लिए सभी प्रयास किए गए हैं। हालांकि, डेटा की शुद्धता के संबंध में कोई गारंटी नहीं दी जाती है। कृपया कोई भी निवेश करने से पहले योजना सूचना दस्तावेज के साथ सत्यापित करें।