{"id":1602,"date":"2018-07-27T09:36:43","date_gmt":"2018-07-27T09:36:43","guid":{"rendered":"http:\/\/blog.kuvera.in\/?p=1602"},"modified":"2019-06-10T09:27:59","modified_gmt":"2019-06-10T09:27:59","slug":"liquid-mutual-funds-are-a-better-alternative-to-bank-deposits","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/liquid-mutual-funds-are-a-better-alternative-to-bank-deposits\/","title":{"rendered":"Liquid Mutual Funds are a better alternative to bank deposits"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69e3d19237533\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69e3d19237533\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/liquid-mutual-funds-are-a-better-alternative-to-bank-deposits\/#What_are_Liquid_Mutual_Funds\" title=\"What are Liquid Mutual Funds?\">What are Liquid Mutual Funds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/liquid-mutual-funds-are-a-better-alternative-to-bank-deposits\/#Bank_deposits_are_liable_to_income_tax_on_interest_earned\" title=\"Bank deposits are liable to income tax on interest earned\">Bank deposits are liable to income tax on interest earned<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/liquid-mutual-funds-are-a-better-alternative-to-bank-deposits\/#How_are_Liquid_Mutual_Funds_better\" title=\"How are Liquid Mutual Funds better?\">How are Liquid Mutual Funds better?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/liquid-mutual-funds-are-a-better-alternative-to-bank-deposits\/#Top_5_Liquid_Mutual_Funds_by_3Y_returns_are\" title=\"Top 5 Liquid Mutual Funds by 3Y returns are: \">Top 5 Liquid Mutual Funds by 3Y returns are: <\/a><\/li><\/ul><\/nav><\/div>\n<h5 data-startline=\"9\" data-endline=\"9\"><span class=\"ez-toc-section\" id=\"What_are_Liquid_Mutual_Funds\"><\/span>What are Liquid Mutual Funds?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p class=\"part\" data-startline=\"15\" data-endline=\"15\">Liquid Mutual Funds are a type of Debt Mutual Fund, that loans money against very short term high quality bonds issued by RBI, State Governments, Other Banks, and even publicly listed corporates.<\/p>\n<p class=\"part\" data-startline=\"17\" data-endline=\"17\">Indian TV audiences aren\u2019t new to <em>#MutualFundSahiHai<\/em> campaign one of which ends with a well-wishing dude telling his friend how he can keep money in mutual funds for shorter time duration, like 3-6 months. That\u2019s what a Liquid Mutual Fund is suited for.<\/p>\n<h5 data-startline=\"17\" data-endline=\"17\"><span class=\"ez-toc-section\" id=\"Bank_deposits_are_liable_to_income_tax_on_interest_earned\"><\/span>Bank deposits are liable to income tax on interest earned<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p class=\"part\" data-startline=\"9\" data-endline=\"9\">For a Bank FD or a savings bank account credit interest earned is liable to taxes (see line 26AS in the ITR form). The bank will deduct TDS on your behalf and you\u2019re liable to pay tax as per slab rate (20% and 30%) and settle the difference with IT department as Self-Assessment Tax.<\/p>\n<blockquote>\n<p class=\"part\" data-startline=\"11\" data-endline=\"11\">How does it feel to pay taxes from your own pocket, on paper gains, while the fixed deposit remains intact?<\/p>\n<\/blockquote>\n<p class=\"part\" data-startline=\"15\" data-endline=\"15\">There is an alternative &#8211; <strong>Liquid Mutual Funds<\/strong>.<\/p>\n<p data-startline=\"15\" data-endline=\"15\"><img loading=\"lazy\" class=\"wp-image-1654 alignleft\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2018\/07\/Capture-5-300x172.png\" alt=\"\" width=\"410\" height=\"235\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/07\/Capture-5-300x172.png 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/07\/Capture-5.png 632w\" sizes=\"(max-width: 410px) 100vw, 410px\" \/><\/p>\n<h5 class=\"part\" data-startline=\"21\" data-endline=\"21\"><span class=\"ez-toc-section\" id=\"How_are_Liquid_Mutual_Funds_better\"><\/span>How are Liquid Mutual Funds better?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p class=\"part\" data-startline=\"25\" data-endline=\"25\"><strong>1\/ Post-tax annualized returns are higher:<\/strong><\/p>\n<p class=\"part\" data-startline=\"25\" data-endline=\"25\">Returns are usually in-line with bank FDs, but since there\u2019s no tax until you redeem, post-tax returns are hands down better than most bank deposits.<\/p>\n<p class=\"part\" data-startline=\"27\" data-endline=\"27\">Let\u2019s run some numbers. We take category average of Liquid Funds in last 1-Year, which at the time of writing this, stands at 6.95%.\u00a0 And, let\u2019s assume you\u2019re in 30% tax bracket had an FD of 10L created 1 Year ago, and your bank offered you 7% FD.<\/p>\n<table class=\"part\" style=\"height: 169px;\" width=\"726\" data-startline=\"33\" data-endline=\"39\">\n<thead>\n<tr>\n<th style=\"text-align: left;\">Events<\/th>\n<th>Bank FD<\/th>\n<th>Liquid Fund<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Capital Invested<\/td>\n<td>10,00,000<\/td>\n<td>10,00,000<\/td>\n<\/tr>\n<tr>\n<td>1-Year Later, Pre-Tax<\/td>\n<td>10,70,000<\/td>\n<td>10,69,500<\/td>\n<\/tr>\n<tr>\n<td>TDS<\/td>\n<td>7,000<\/td>\n<td>Not Applicable<\/td>\n<\/tr>\n<tr>\n<td>Self-Assessment Tax<\/td>\n<td>14,840<\/td>\n<td>Not Applicable<\/td>\n<\/tr>\n<tr>\n<td>1-Year Later, Post-Tax<\/td>\n<td>10,48,160<\/td>\n<td>10, 69, 500<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p class=\"part\" data-startline=\"41\" data-endline=\"41\">For your Bank FD you effectively got a post-tax return of 4.82%. The tax liabiliyt (TDS and Self-assessment Tax in the table above) affects compounding. The amount available in deposit for compounding is less than what\u2019s available in the liquid fund. And as years go by, the gap widens more.<\/p>\n<p class=\"part\" data-startline=\"47\" data-endline=\"47\">With liquid funds, only capital gains tax apply and that too at the time of redemption. If you withdraw your holdings after 3 years of holding period, you also get indexation benefit to reduce your tax liabilities.<\/p>\n<p data-startline=\"49\" data-endline=\"49\"><strong>2\/ There is no exit penalty:<\/strong><\/p>\n<p data-startline=\"49\" data-endline=\"49\">True to its name, it\u2019s <em>liquid<\/em>, you can add any amount or withdraw any amount, without <strong>any exit penalty<\/strong>, unlike any Bank FD which has an early redemption fee. Some fund houses even offer instant redemption up to 50k or 90% of your total investment in the fund.<\/p>\n<h5 class=\"part\" data-startline=\"51\" data-endline=\"51\"><span class=\"ez-toc-section\" id=\"Top_5_Liquid_Mutual_Funds_by_3Y_returns_are\"><\/span>Top 5 Liquid<strong> Mutual Funds by 3Y returns are: <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p><strong><a class=\"router-link-exact-active active\" href=\"https:\/\/kuvera.in\/explore\/INLFG1-GR\" data-v-3b618422=\"\">INDIABULLS LIQUID GROWTH DIRECT PLAN<\/a><\/strong><\/p>\n<p><strong><a class=\"\" href=\"https:\/\/kuvera.in\/explore\/PLLFGDG-GR\" data-v-3b618422=\"\">ESSEL LIQUID GROWTH DIRECT PLAN<\/a><\/strong><\/p>\n<p><strong><a class=\"\" href=\"https:\/\/kuvera.in\/explore\/BO114-GR\" data-v-3b618422=\"\">BARODA PIONEER LIQUID B GROWTH DIRECT PLAN<\/a><\/strong><\/p>\n<p><strong><a class=\"\" href=\"https:\/\/kuvera.in\/explore\/JMLFDG-GR\" data-v-3b618422=\"\">JM LIQUID GROWTH DIRECT PLAN<\/a><\/strong><\/p>\n<p><strong><a class=\"\" href=\"https:\/\/kuvera.in\/explore\/PCLFZG-GR\" data-v-3b618422=\"\">PRINCIPAL CASH MANAGEMENT GROWTH DIRECT PLAN<\/a><\/strong><\/p>\n<p>The above benefits make Liquid Mutual Funds a better alternate to bank deposits to park short term money or emergency funds.<\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit <a href=\"https:\/\/www.kuvera.in\"><strong>kuvera.in<\/strong><\/a> to discover <a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\"><strong>Direct Plans<\/strong><\/a> and <a href=\"https:\/\/kuvera.in\/user\/login\"><strong>start investing today.<\/strong><\/a><\/p>\n<p>#MutualFundSahiHai, #KuveraSabseSahiHai!<\/p>\n<p><em>This article was initially published by <\/em><a href=\"https:\/\/www.cnbctv18.com\/personal-finance\/why-liquid-mutual-funds-are-a-better-option-than-bank-deposits-359481.htm\" target=\"_blank\" rel=\"noopener\"><em>CNBCTV18 <\/em><\/a><em> in the\u00a0<strong>Personal Finance<\/strong> section. <\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What are Liquid Mutual Funds? Liquid Mutual Funds are a type of Debt Mutual Fund, that loans money against very short term high quality bonds issued by RBI, State Governments, Other Banks, and even publicly listed corporates. Indian TV audiences aren\u2019t new to #MutualFundSahiHai campaign one of which ends with a well-wishing dude telling his [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/liquid-mutual-funds-are-a-better-alternative-to-bank-deposits\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":1654,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[91],"tags":[177,176,175],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Liquid Mutual Funds are a better alternative to bank deposits - Kuvera<\/title>\n<meta name=\"description\" content=\"Liquid Mutual Funds a better alternate to bank deposits to park short term money or emergency funds. 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