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  • Aditya Birla Sun Life Liquid (Growth)

Formerly Aditya BSL Cash Plus Reg Gr

Aditya Birla Sun Life Liquid (Growth)

Aditya Birla Sun Life Liquid (Growth)

DebtLiquid

Recommended

Top Ranked

332.9399

NAV (Aug 03)

5.3%
3 Year CAGR
Scripbox Opinion

Recommended

Aditya Birla Sun Life Liquid (Growth) is recommended for investment within liquid mutual funds.

Liquid funds provides relative safety of capital with growth at par with inflation and is suitable for investment objectives with duration of 1-5 years or longer.

Our analysis of this fundLearn how we rate funds ->

Track Record

17 Years. The fund has an Extended history for analysis and the track record is excellent.

Relative Size

30,807 Cr. Category leader in size

Impact of Interest Rate Changes

Low Interest Rate Risk. The impact on fund value is quite low when interest rates change

Credit Quality Of Fund's Portfolio

Low Credit Risk. The fund has a high credit quality compared to other debt funds

Invest in this fund
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Emergency Money

Emergency Money

Invest in a scientifically curated set of liquid funds which are best aligned towards achieving any objectives where liquidity and stability are the priority.

  • graph-icon-gray
    Historical growth rate of 6.5% per annum
  • graph-icon-gray
    Recommended Duration 1 - 5 years
  • graph-icon-gray
    No Lock-in
  • graph-icon-gray
    Emergency

No single fund can achieve what a plan can. Learn why

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Scheme Information

Investment Objective

The objective of the scheme is to provide reasonable returns at a high level of safety and liquidity through judicious investments in high quality debt and money market instruments.

Low

Low to Moderate

Moderate

Moderately High

High

Very High

risk-indicator-arrow.svg

Moderate Risk

Expense Ratio
0.33 %
Launched (17y ago)
Mar 30, 2004
AUM in Crores
₹ 30,807
ISIN
INF209K01RU9
Lock-in
No Lock-in
Benchmark
CRISIL Liquid Fund TR INR
SIP Minimum
₹ 1,000
Lumpsum Min.
₹ 1,000
Fund Managers
user-avatar

Kaustubh Gupta

Fund Manager

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Sunaina Cunha

Fund Manager

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Returns Calculator Comparison

of

for

with step up of

InstrumentReturnsTotal CorpusGainsAnnualised %
Mutual Fund70%₹ 965,796 ₹ 233,18411.25%
EPF70% ₹ 900,761 ₹ 168,1498.50%
Property70% ₹ 867,662 ₹ 135,0507.00%
PPF70% ₹ 869,819 ₹ 137,2077.10%
Bank FD70% ₹ 846,471 ₹ 113,8596.00%
Gold70% ₹ 846,471 ₹ 113,8596.00%
Savings Bank70% ₹ 825,950 ₹ 93,3385.00%

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully before investing. Past performance is not an indicator of future returns.

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Emergency Money

Invest in a scientifically curated set of liquid funds which are best aligned towards achieving any objectives where liquidity and stability are the priority.

  • Inflation beating returns
    Inflation beating returns
  • Emergency
    Emergency
  • One click investing  tracking
    One click investing tracking
comparison

Comparison with Debt Funds

Kotak Savings Fund (G)

Kotak Savings Fund (G)

Ultra Short

Recommended

Top Ranked

17 Years

Age

5

Track Record

Aditya Birla Sun Life Liquid (G)

Aditya Birla Sun Life Liquid (G)

Liquid

Recommended

Top Ranked

17 Years

Age

5

Track Record

SBI Magnum Ultra Short Duration Fund (G)

SBI Magnum Ultra Short Duration Fund (G)

Ultra Short

Recommended

Top Ranked

22 Years

Age

5

Track Record

Nippon India Liquid Fund (G)

Nippon India Liquid Fund (G)

Liquid

Recommended

Top Ranked

18 Years

Age

5

Track Record

ICICI Prudential Savings Fund (G)

ICICI Prudential Savings Fund (G)

Low Duration

Recommended

Top Ranked

19 Years

Age

5

Track Record

amc-icon

About the AMC

Aditya Birla Sun Life AMC Ltd

Aditya Birla Sun Life AMC Ltd manages assets worth 295,814 crores and was set up on 5 September 1994. It's current offering of mutual fund schemes includes 83 equity,329 debt and 19 hybrid funds.

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  • tel-amc-about
    022-43568000
  • mail-amc-about
    care.mutualfunds@adityabirlacapital.com
  • Aditya Birla Sun Life Focused Equity Fund (G)

    Aditya Birla Sun Life Focused Equity Fund (G)

    Diversified

    Recommended

    Top Ranked

    ₹ 4,937 Cr

    Fund Size

    12.90%

    5 Year CAGR

    5 Y CAGR

    Aditya Birla Sun Life Liquid (G)

    Aditya Birla Sun Life Liquid (G)

    Liquid

    Recommended

    Top Ranked

    ₹ 30,806 Cr

    Fund Size

    5.30%

    3 Year CAGR

    3 Y CAGR

    Aditya Birla Sun Life Liquid Fund Institutional (G)

    Aditya Birla Sun Life Liquid Fund Institutional (G)

    Liquid

    Top Ranked

    ₹ 30,806 Cr

    Fund Size

    5.30%

    3 Year CAGR

    3 Y CAGR

    Aditya Birla Sun Life Liquid Fund Retail (G)

    Aditya Birla Sun Life Liquid Fund Retail (G)

    Liquid

    Top Ranked

    ₹ 30,806 Cr

    Fund Size

    5.30%

    3 Year CAGR

    3 Y CAGR

    Aditya Birla Sun Life Liquid Discipline Advantage Plan (G)

    Aditya Birla Sun Life Liquid Discipline Advantage Plan (G)

    Liquid

    Top Ranked

    ₹ 30,806 Cr

    Fund Size

    5.30%

    3 Year CAGR

    3 Y CAGR

    growth

    Emergency Money

    Invest in a scientifically curated set of liquid funds which are best aligned towards achieving any objectives where liquidity and stability are the priority.

    • graph-icon-gray
      Historical growth rate of 6.5% per annum
    • graph-icon-gray
      Recommended Duration 1 - 5 years
    • graph-icon-gray
      No Lock-in
    • graph-icon-gray
      Emergency
    • graph-icon-gray
      One-click investing and tracking
    • graph-icon-gray
      Zero fees for all your investments
    Axis Liquid Fund (Growth)

    Axis Liquid Fund (Growth)

    Debt

    Liquid

    Tata Liquid Fund (Growth)

    Tata Liquid Fund (Growth)

    Debt

    Liquid

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    3,600+

    AUM

    2,500+

    Cities

    2012

    Established

    How does Scripbox rate funds?

    Proprietary 4-step system to rate mutual funds

    We use a proprietary system to rate mutual funds and based on that make a recommendation or rate the fund as top ranked.

    What Scripbox recommendations mean?
    Scripbox algorithm recommends 2-4 funds for investment for an investment asset class such as large cap, diversified, liquid etc. When you invest for an objective, the algorithm suggests the appropriate asset class and funds.
    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Fund Size

    Fund Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Sub-asset Class View

    Sub-asset Class View

    We check if the sub-category of the fund is recommended by us.

    Fund Performance

    Fund Performance

    Consistency of performance over various tenures is analysed for a relative performance stack.

    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Fund Size

    Fund Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Impact of Interest Rates

    Impact of Interest Rates

    We check the relative interest rate risk of the sub-category of the fund. Lower the better.

    Credit Attractiveness

    Credit Attractiveness

    We check the credit quality of the underlying instruments present in the fund. Higher the better.

    Equity Funds

    Debt Funds

    Aditya Birla Sun Life Liquid Fund-Growth is an open-ended liquid fund that invests in debt securities and money market instruments like Repo, treasury bills, certificate of deposits, etc. The scheme aims to provide a reasonable and regular income over the short term with a high level of safety and liquidity at relatively low risk. The fund is managed by Aditya Birla Sun Life Mutual Fund. Liquid funds are debt funds that are highly liquid and invest in debt instruments with a maturity of up to 91 days. These funds are a better investment option than parking your idle funds in a savings bank account.

    Aditya Birla Sun Life Liquid Fund-Growth Investment Objective

    The investment objective of the Scheme is to provide reasonable returns at a high level of safety and liquidity through judicious investments in high-quality debt and money market instruments. However, there is no assurance that the investment objective of the scheme will be achieved. The Scheme provides its investors a regular income with a high level of safety and convenience of liquidity over the short term. Aditya Birla Sun Life Liquid Fund invests in an entire range of high-quality debt instruments and money market securities in line with its investment objective. It achieves its objective through active management of its portfolio along with a lower interest rate risk.

    Aditya Birla Sun Life Liquid Fund-Growth Scheme Details

    Aditya Birla Sun Life Asset Management Company Limited had launched Aditya Birla Sun Life Liquid Fund- Growth scheme on 30th March 2004. The scheme has been in existence for the past 17 years. Since its inception, it continues to provide regular income on investment at par with inflation and safety of principal amount invested.

    NAV and Returns – As of 24th June 2021, the NAV of the fund is Rs 331.73. The fund has a risk-o-meter of moderate risk. Hence, an investor who invests in this fund must understand that their principal investment is at moderate risk. The fund has delivered a return on investment of 7.20% since its inception

    Minimum Investment – The fund has a minimum SIP investment requirement of Rs 1,000 and a minimum lump sum investment of Rs 1,000

    Expense Ratio and Exit Load – The expense ratio on the fund is 0.33% of the NAV on the date of redemption. Here, the expense ratio charged by the fund is close to the expense ratio that other AMCs charge for similar category funds. The fund charges an exit load on the redemption of the units of the mutual fund. If the units are redeemed within 1 day the exit load is charged at 0.0070%. Further, if you redeem within 2 days then the charge is 0.0065% on the units. if redeemed within 3 days then the charge is 0.0060%. An exit load of 0.0055% if redeemed within 4 days. A charge of exit load of 0.0050% if redeemed within 5 days and 0.0045% if redeemed within 6 days.

    Fund Manager – Currently, Ms. Sunaina Cunha and Mr. Kaustubh Gupta are co-managing the fund. Ms. Sunaina Cunha has been managing the fund since 19th June 2009. Ms. Cunha possesses a rich experience of 17 years in fixed income fund management with an expertise in structuring bond solution and credit transactions. She co-heads the credit overall credit portfolio of the Aditya Birla Mutual Fund. Mr. Kaustubh Gupta has been managing the fund since 15th November 2011. He is the co-head of Fixed Income at the Aditya Birla Sun Life Mutual Fund. Mr. Gupta brings in extensive experience in various capacities such as treasury finance, liquidity management and fund management.

    Other Details – No lock-in period for the scheme, you can redeem any amount of investment anytime. The AUM of Aditya Birla Sun Life Liquid  Fund as of 24th June 2021 is Rs 30,047 cr. The fund benchmarks to CRISIL Liquid Fund TR INR.

    1 Year Return3.20 %
    3 Years Return5.50 %
    5 Years Return 6 %
    10 Years Return7.6 %
    Returns Updated as of 24th June 2021

    Aditya Birla Sun Life Liquid  Fund-Growth Top Stock Holdings

    The Aditya Birla Sun Life Liquid Fund-Growth has invested its assets majorly in the debt instruments of the following companies:

    CompanyPercentage of Holding (As of 24th June 2021)
    Reverse repo16.41%
    91 Days Treasury Bill – 05-Aug-20215.8%
    India Republic 3.30%
    Reliance industries limited3.30%
    Tata Steel Limited3.30%
    364 Days Treasury Bill3.94%
    Adani ports and special economic zone limited3.2%

    Asset Allocation of Aditya Birla Sun Life Liquid  Fund-Growth

    The Aditya Birla Sun Life Liquid Fund-Growth has invested in the following sectors:

    SectorPercentage of Holding (As of 24th June 2021)
    Financials29.10%
    Others16.90%
    SOV16.60%
    Energy10.90%
    Communication Services7.70%
    Materials5.10%
    Utilities5%
    Industrials4.3%
    Consumer Discretionary4%
    Real Estate0.30%

    Aditya Birla Sun Life Liquid  Fund-Growth Review

    Aditya Birla Sun Life Liquid Fund-Growth is recommended by Scripbox for investment within liquid mutual funds. Liquid funds provide relative safety of capital amount invested along with returns at par with inflation over the investment horizon. 

    1. Aditya Birla Sun Life Liquid Fund- Growth is suitable for investors who seek regular income over the investment horizon along with a relative stability of capital and a high degree of liquidity. It is suitable for an investment duration of 1-5 years or longer.
    2. With a history of 17 years, the fund has sufficient records for analysis. Further, the track record is excellent.
    3. With an AUM or relative size of Rs 30,047 cr, the fund is a leader in the liquid fund category.
    4. The scheme has performed well consistently over a period outperforming its benchmark.
    5. The impact of interest rate changes on fund value is quite low in comparison to other similar funds. 
    6. The fund has a high credit quality compared to other liquid debt funds in the same category. This indicates that it has lent to borrowers whose credit quality is good. With better borrowers, it ensures a low default risk or credit risk. 

    How Scripbox Algorithmically Selects Mutual Funds?

    Scripbox uses time-tested principles, historical data, and valid assumptions about asset classes. We combine them with a rigorous process to finalize which asset classes make the most sense for specific types of objectives, considering the time needed to achieve them.

    Once we select an asset class, our algorithm goes to work to select the best financial products.

    The algorithm scores financial products on multiple parameters, giving relevant weights to each of the listed parameters, such as:

    • Track record of the product – how long has it been around?
    • Assets under management – how big is it – for example, the size of a mutual fund
    • Liquidity – how easy is it to move in or out of the product?
    • Consistency of performance – how much have the returns fluctuated?
    • The risk associated with the product – what risks impact the product?
    • Quality of underlying assets – we assess how risky the underlying assets are – for example, by considering bond ratings in the case of debt funds

    With such a scientific and detailed approach Scripbox ensures:

    • Bias free product selection – commissions don’t sway our decisions
    • Minimal human intervention and thus minimal impact of emotions and behavioral biases
    • Consideration of the maximum number of factors that can impact an investment product
    • Application of logic to investment product selection 

    Our investment product selection science helps us help you, without biases clouding the evaluation.

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