Tata Liquid Fund Direct-Growth
(Scheme Rating)
NAV as of Dec 27, 2024
4,014.790.02%
(Earn upto 0.12% Extra Returns with Direct Plan)
Fund Category:
Debt: Liquid
Expense Ratio:
0.20%(0.15% Category
average)Fund Size:
Rs. 23,348.04 Cr(4.44% of Investment in Category)
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Tata Liquid Fund Direct-Growth
(Scheme Rating)
NAV as of Dec 27, 2024
4,014.790.02%
Expense Ratio:
0.20%
Fund Size:
Rs. 23,348.04 Cr
Fund Category:
Debt: Liquid
Tata Liquid Fund Direct-Growth Fund Key Highlights
1. Current NAV: The Current Net Asset Value of the Tata Liquid Fund - Direct Plan as of Dec 27, 2024 is Rs 4,014.79 for Growth option of its Direct plan.
2. Returns: Its trailing returns over different time periods are: 7.46% (1yr), 6.42% (3yr), 5.41% (5yr) and 6.89% (since launch). Whereas, Category returns for the same time duration are: 7.120837386060465% (1yr), 6.205341940688661% (3yr) and 5.14691050999387% (5yr).
3. Fund Size: The Tata Liquid Fund - Direct Plan currently holds Assets under Management worth of Rs 23348.0382 crore as on Sep 30, 2024.
4. Expense ratio: The expense ratio of the fund is 0.2% for Direct plan as on Nov 30, 2024.
5. Exit Load: Tata Liquid Fund - Direct Plan shall attract an Exit Load, "Exit load of 0.0070% if redeemed within 1 day, 0.0065% if redeemed within 2 days, 0.0060% if redeemed within 3 days, 0.0055% if redeemed within 4 days, 0.0050% if redeemed within 5 days, 0.0045% if redeemed within 6 days."
6. Minimum Investment: Minimum investment required is Rs 5000 and minimum additional investment is Rs 1000. Minimum SIP investment is Rs 500.
1. Current NAV: The Current Net Asset Value of the Tata Liquid Fund - Direct Plan as of Dec 27, 2024 is Rs 4,014.79 for Growth option of its Direct plan.
2. Returns: Its trailing returns over different time periods are: 7.46% (1yr), 6.42% (3yr), 5.41% (5yr) and 6.89% (since launch). Whereas, Category returns for the same time duration are: 7.120837386060465% (1yr), 6.205341940688661% (3yr) and 5.14691050999387% (5yr).
3. Fund Size: The Tata Liquid Fund - Direct Plan currently holds Assets under Management worth of Rs 23348.0382 crore as on Sep 30, 2024.
4. Expense ratio: The expense ratio of the fund is 0.2% for Direct plan as on Nov 30, 2024.
5. Exit Load: Tata Liquid Fund - Direct Plan shall attract an Exit Load, "Exit load of 0.0070% if redeemed within 1 day, 0.0065% if redeemed within 2 days, 0.0060% if redeemed within 3 days, 0.0055% if redeemed within 4 days, 0.0050% if redeemed within 5 days, 0.0045% if redeemed within 6 days."
6. Minimum Investment: Minimum investment required is Rs 5000 and minimum additional investment is Rs 1000. Minimum SIP investment is Rs 500.
Tata Liquid Fund Direct-Growth Returns
Trailing Returns
Rolling Returns
Discrete Period
SIP Returns
1M 3M 6M 1Y 3Y 5Y Annualized Returns 0.55 1.74 3.57 7.44 6.44 5.41 Category Avg 0.52 1.65 3.39 7.10 6.22 5.15 Rank within Category 3 3 9 16 17 12 No. of funds within Category 49 47 45 43 38 37 - Loading...
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Return Comparison
- This Fund
- BenchmarkAditya Birla SL Liquid Direct-G
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- S&P BSE Sensex
- Nifty 50
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Tata Liquid Fund Direct-Growth Fund Details
Investment Objective - The scheme seeks to generate reasonable returns with high liquidity to the unit holders
| Fund House | Tata Mutual Fund |
| Launch Date | Jan 01, 2013 |
| Benchmark | CRISIL Liquid Debt A-I Index |
| Return Since Launch | 6.89% |
| Riskometer | Low to Moderate |
| Type | Open-ended |
| Risk Grade | - |
| Return Grade | Average |
Tata Liquid Fund Direct-Growth Investment Details
| Minimum Investment (Rs.) | 5,000.00 |
| Minimum Additional Investment (Rs.) | 1,000.00 |
| Minimum SIP Investment (Rs.) | 500.00 |
| Minimum Withdrawal (Rs.) | 500.00 |
| Exit Load Exit load of 0.0070% if redeemed within 1 day, 0.0065% if redeemed within 2 days, 0.0060% if redeemed within 3 days, 0.0055% if redeemed within 4 days, 0.0050% if redeemed within 5 days, 0.0045% if redeemed within 6 days. | |
Portfolio Allocation
Portfolio Aggregates
| Fund | 1Y High | 1Y Low | Category | |
|---|---|---|---|---|
| Modified Duration(Yrs) | 0.16 | 0.1942 | 0.0002 | 0.1436 |
| Average Maturity(Yrs) | 0.16 | 0.205 | 0.033 | 0.1472 |
| Yield to Maturity(%) | 7.34 | 8.05 | 6.47 | 7.1361 |
| Avg Credit Rating | Low | - | - | - |
Style Box
CREDIT RATING
INTEREST RATE SENSITIVITY
HighMediumLow
HighMediumLow
Investment / Portfolio Grades
| Security Type | Weight(%) | Category Avg(%) |
|---|---|---|
| Government Backed | 17.99 | 16.86 |
| Low Risk | 85.29 | 78.65 |
| Moderate Risk | - | - |
| High Risk | - | - |
| Very High Risk | - | - |
| Others | -3.28 | 4.49 |
Type of Holdings
| Security Type | Weight(%) | Category Avg(%) |
|---|---|---|
| GOI | 3.18 | 3.19 |
| CD | 32.78 | 40.63 |
| T-Bills | 12.18 | 15.97 |
| CP | 61.42 | 36.90 |
| NCD & Bonds | 0.60 | 3.96 |
| PTC | - | - |
| Cash & Others | -10.16 | -0.66 |
Debt Holding In Portfolio
| Instrument | Type | Sector | Rating | Value(Mn) | Total Holding(%) | Quantity |
|---|---|---|---|---|---|---|
| Punjab National Bank | Certificate of Deposit | Financial | A1+ | 9,901.71 | 6.24 | 20,000 |
| National Bank For Agriculture & Rural Development | Commercial Paper | Financial | A1+ | 7,407.94 | 4.67 | - |
| Bank Of Baroda | Certificate of Deposit | Financial | A1+ | 7,158.10 | 4.51 | 14,500 |
| Punjab National Bank | Certificate of Deposit | Financial | A1+ | 7,159.22 | 4.51 | - |
| Bank of India | Certificate of Deposit | Financial | A1+ | 6,912.73 | 4.36 | 14,000 |
| HDFC Bank Ltd | Certificate of Deposit | Financial | A1+ | 5,973.05 | 3.77 | 12,000 |
| Reserve Bank of India | Treasury Bills | Financial | SOV | 5,925.20 | 3.74 | - |
| 6.18% GOI 04/11/2024 | GOI Securities | Sovereign | SOV | 5,047.19 | 3.18 | 5,05,00,000 |
| Reliance Retail Ventures Ltd | Commercial Paper | Services | A1+ | 4,962.60 | 3.13 | 10,000 |
| Bajaj Financial Securities Ltd | Commercial Paper | Financial | A1+ | 4,963.92 | 3.13 | 10,000 |
Peer Comparison
Cumulative Returns
SIP returns
Discrete Returns
Quant Measures
Asset Allocation
Scheme Name NAV(Rs./Unit) Scheme Rating AUM(Rs. Cr) 1M 1Y 3Y 5Y Tata Liquid Fund Direct-Growth 4,014.79 23,348.04 0.55 7.44 6.44 5.41 PGIM India Liquid Fund Direct Plan-Growth 331.82 450.83 0.55 7.45 6.48 5.43 Edelweiss Liquid Direct-Growth 3,287.28 5,902.92 0.54 7.52 6.48 5.46 Aditya Birla Sun Life Liquid Fund Direct-Growth 410.70 44,520.60 0.54 7.48 6.51 5.45 Mahindra Manulife Liquid Fund Direct -Growth 1,657.36 1,310.82 0.55 7.47 6.51 5.46
Risk Ratios
Ratios are calculated using the calendar month returns for the last 3 years
Standard Deviation
Standard Deviation
Standard deviation is the deviation of the fund's return around mean.
High Volatality
0.40VS0.39Fund Vs Category Avg
Beta
Beta
Beta shows the portfolio risk in relation to the market. A beta of less than 1 means that the fund returns are less volatile compared to the broader market. A beta of more than 1 means that the fund returns are more volatile than the broader markets. A beta equal to 1 means that fund's volatility is in line with the broader market.
High Volatality
0.82VS0.80Fund Vs Category Avg
Sharpe Ratio
Sharpe Ratio
Sharpe ratio is a risk adjusted performance measure. A fund with a higher Sharpe ratio is considered better than a fund with a lower Sharpe ratio.
Better risk-adjusted returns
0.75VS0.66Fund Vs Category Avg
Treynor's Ratio
Treynor's Ratio
Treynor is a risk adjusted performance measure. A fund with a higher Treynor ratio is considered better than a fund with a lower Treynor ratio.
Better risk-adjusted returns
0.37VS0.32Fund Vs Category Avg
Jensen's Alpha
Jensen's Alpha
Alpha shows the ability of the fund manager to outperform the market. A higher Alpha is preferred.
Better risk-adjusted returns
2.02VS1.93Fund Vs Category Avg
Mean Return
Mean Return
Average return generated by the fund during a specified period.
Better average monthly returns
6.19VS6.15Fund Vs Category Avg
Risk Ratio Chart
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- Risk Ratio
- Category Average
Size of Bubbles represents the Fund Size
Tata Mutual Fund News
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Fund Manager
- A.S.Amit SomaniSince Oct 20137 schemes
- A.S.Abhishek SonthaliaSince Feb 20204 schemes
- H.D.Harsh DaveSince Aug 20240 schemes
Mr.Somani is a B.Com, PGDBM and CFA. Prior to joining Tata Asset Management Ltd in 2010 he has worked with Fidelity Investments Netscribes Pvt. ltd, SPA Capital and Khandwala Securities.
Scheme Name Category Nav(Rs./Unit) Scheme Rating Asset(Rs. Cr) 1Y Tata Money Market Fund Direct-Growth Money Market 4,613.48 27,482.52 7.95 Tata Overnight Fund Direct - Growth Overnight 1,325.35 4,126.58 6.74 Tata Nifty G-Sec Dec 2026 Index Fund Direct - Growth Target Maturity 11.51 Unrated 108.32 7.64 Tata Nifty G-Sec Dec 2029 Index Fund Direct - Growth Target Maturity 11.67 Unrated 179.55 8.68 Tata CRISIL-IBX Gilt Index - April 2026 Index Fund Direct - Growth Target Maturity 11.76 Unrated 1,026.22 7.43 Tata Nifty SDL Plus AAA PSU Bond Dec 2027 60:40 Index Fund Direct - Growth Target Maturity 11.90 Unrated 859.44 8.36 Tata Corporate Bond Fund Segregated Portfolio 1 Direct - Growth Corporate Bond 433.47 Unrated 12.13 - Mr. Sonthalia has done B. Com, Management Programme from NITIE and CFA Charter holder. Prior to joining Tata Mutual Fund, he has worked with CRISIL Ltd. and TCS.
Scheme Name Category Nav(Rs./Unit) Scheme Rating Asset(Rs. Cr) 1Y Tata Ultra Short Term Fund Direct - Growth Ultra Short Duration 14.30 3,253.22 7.82 Tata Corporate Bond Fund Direct - Growth Corporate Bond 12.05 2,762.61 8.78 Tata Treasury Advantage Direct Plan-Growth Low Duration 3,877.38 2,520.26 7.81 Tata Short Term Bond Direct Plan-Growth Short Duration 50.55 2,879.61 8.24 Mr. Dave has done B.E and PGDM(BFSI) Prior to joining Tata Mutual Fund, he has worked with ICICI Bank Ltd.
No schemes for the Fund Manager
More Tata Mutual Fund
| Scheme Name | Rating | Asset Size(Cr) | 1M | 3M | 6M | 1Y | 3Y |
|---|---|---|---|---|---|---|---|
| Tata Money Market Fund Direct-Growth | 26,782.99 | 0.63 | 1.91 | 3.91 | 7.97 | 6.74 | |
| Tata Liquid Fund Direct-Growth | 23,832.34 | 0.58 | 1.79 | 3.63 | 7.48 | 6.30 | |
| Tata Arbitrage Fund Direct - Growth | 12,432.45 | 0.74 | 1.95 | 4.12 | 8.32 | 6.91 | |
| Tata Digital India Fund Direct-Growth | 11,835.20 | -0.33 | 8.45 | 29.41 | 46.91 | 12.12 | |
| Tata Balanced Advantage Fund Direct - Growth | 10,288.08 | -1.64 | -0.04 | 6.60 | 19.73 | 12.18 | |
| Tata Small Cap Fund Direct - Growth | 9,463.78 | -4.21 | 3.95 | 21.77 | 44.59 | 25.48 | |
| Tata Equity PE Fund Direct-Growth | 8,681.31 | -4.10 | -2.24 | 12.54 | 41.21 | 20.96 | |
| Tata Large & Mid Cap Fund Direct Plan-Growth | 8,390.40 | -4.23 | -1.21 | 10.39 | 29.15 | 16.78 | |
| Tata ELSS Tax Saver Fund Direct-Growth | 4,680.10 | -4.19 | 0.74 | 15.70 | 33.17 | 15.67 | |
| Tata Midcap Growth Direct Plan-Growth | 4,443.96 | -3.94 | -2.52 | 12.24 | 35.70 | 20.21 |
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About Tata Liquid Fund Direct-Growth
1. Tata Liquid Fund - Direct Plan is Open-ended Liquid Debt scheme which belongs to Tata Mutual Fund House.
2. The fund was launched on Jan 01, 2013.
Investment objective & Benchmark
1. The investment objective of the fund is that " The scheme seeks to generate reasonable returns with high liquidity to the unit holders "
2. It is benchmarked against CRISIL Liquid Debt A-I Index.
Asset Allocation & Portfolio Composition
1. The portfolio allocation of debt securities primarily have 2 kinds of risks: interest rate risk & credit risk. While the interest rate movements are driven by the fund's duration, credit quality of debt securities are based on the weighted average credit ratings of a fund. Generally, funds with high credit quality will have the weighted average credit rating of AA- and higher rated securities, funds with medium credit quality will hold securities having credit rating lying between A- to BBB- and funds with low credit quality will hold securities having average credit rating of less than BBB-. Credit rating is a qualitative tool that basically assesses the creditworthiness and financial soundness of a company and takes into consideration several factors including the default rate and solvency of the concerned business entity.
2. The portfolio of the fund has securities with varying levels of maturities. Duration takes into consideration the sensitivity of the average maturity of these securities with respect to the interest rate changes. The Average Maturity of Tata Liquid Fund - Direct Plan is 0.16415888 years and Duration is 0.16403591 years. Generally, securities with high maturity are more sensitive to interest rate changes. So, an investor with a low risk appetite may look to invest in a fund with low maturity and duration vis-a-vis category levels.
3. All these parameters - average maturity, duration, interest rate changes, credit quality, credit rating, liquidity etc. need to be looked at in conjunction with each other to determine the quality of portfolio of a fund.
Tax Implications on Tata Liquid Fund Direct-Growth
Capital Gains Tax Implications:
If the investment is made after Apr 1, 2023:
1. The entire amount of gain will be added to the investor's income (irrespective of the period of investment) and will be taxed as per his/her applicable slab rate.
If the investment is made before Apr 1, 2023:
1. If units are redeemed within 3 years of investment, the whole gain will be added to the investor's income and taxed as per his/her applicable slab rate.
2. For units redeemed after 3 years of investment, gains will be taxed at a rate of 20% post-indexation benefits. Indexation is a process of recalculating the purchase price after accounting for inflation into it. The benefit of indexation lies in lowering one's capital gains which brings down the taxable income and thereby reduces taxes on it.
Dividend Tax Implications:
1. For Dividend Distribution Tax, the dividend income from this fund will get added to an investor’s income and taxed according to his/her respective tax slabs.
2. Also, for dividend income more than Rs 5,000 in a financial year; the fund house shall deduct a TDS of 10% on such income.
1. Tata Liquid Fund - Direct Plan is Open-ended Liquid Debt scheme which belongs to Tata Mutual Fund House.
2. The fund was launched on Jan 01, 2013.
Investment objective & Benchmark
1. The investment objective of the fund is that " The scheme seeks to generate reasonable returns with high liquidity to the unit holders "
2. It is benchmarked against CRISIL Liquid Debt A-I Index.
Asset Allocation & Portfolio Composition
1. The portfolio allocation of debt securities primarily have 2 kinds of risks: interest rate risk & credit risk. While the interest rate movements are driven by the fund's duration, credit quality of debt securities are based on the weighted average credit ratings of a fund. Generally, funds with high credit quality will have the weighted average credit rating of AA- and higher rated securities, funds with medium credit quality will hold securities having credit rating lying between A- to BBB- and funds with low credit quality will hold securities having average credit rating of less than BBB-. Credit rating is a qualitative tool that basically assesses the creditworthiness and financial soundness of a company and takes into consideration several factors including the default rate and solvency of the concerned business entity.
2. The portfolio of the fund has securities with varying levels of maturities. Duration takes into consideration the sensitivity of the average maturity of these securities with respect to the interest rate changes. The Average Maturity of Tata Liquid Fund - Direct Plan is 0.16415888 years and Duration is 0.16403591 years. Generally, securities with high maturity are more sensitive to interest rate changes. So, an investor with a low risk appetite may look to invest in a fund with low maturity and duration vis-a-vis category levels.
3. All these parameters - average maturity, duration, interest rate changes, credit quality, credit rating, liquidity etc. need to be looked at in conjunction with each other to determine the quality of portfolio of a fund.
Tax Implications on Tata Liquid Fund Direct-Growth
Capital Gains Tax Implications:
If the investment is made after Apr 1, 2023:
1. The entire amount of gain will be added to the investor's income (irrespective of the period of investment) and will be taxed as per his/her applicable slab rate.
If the investment is made before Apr 1, 2023:
1. If units are redeemed within 3 years of investment, the whole gain will be added to the investor's income and taxed as per his/her applicable slab rate.
2. For units redeemed after 3 years of investment, gains will be taxed at a rate of 20% post-indexation benefits. Indexation is a process of recalculating the purchase price after accounting for inflation into it. The benefit of indexation lies in lowering one's capital gains which brings down the taxable income and thereby reduces taxes on it.
Dividend Tax Implications:
1. For Dividend Distribution Tax, the dividend income from this fund will get added to an investor’s income and taxed according to his/her respective tax slabs.
2. Also, for dividend income more than Rs 5,000 in a financial year; the fund house shall deduct a TDS of 10% on such income.
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FAQs about Tata Liquid Fund Direct-Growth
- Is it safe to invest in Tata Liquid Fund - Direct Plan?As per SEBI’s latest guidelines to calculate risk grades, investment in the Tata Liquid Fund - Direct Plan comes under Low to Moderate risk category.
- What is the category of Tata Liquid Fund - Direct Plan?Tata Liquid Fund - Direct Plan belongs to the Debt : Liquid category of funds.
- How Long should I Invest in Tata Liquid Fund - Direct Plan?The suggested investment horizon of investing into Tata Liquid Fund - Direct Plan is <3 month. The suggested investment horizon is the minimum time required for holding investments in the fund to reduce its downside risk and ensure that the returns become more predictable.
- Who manages the Tata Liquid Fund - Direct Plan?The Tata Liquid Fund - Direct Plan is managed by Amit Somani (Since Oct 16, 2013) , Abhishek Sonthalia (Since Feb 06, 2020) and Harsh Dave (Since Aug 01, 2024).
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