Our Solutions
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Improved Cash Management
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| The Cash Management products seek to provide safety of principal, while providing a competitive rate of return, commensurate with low risk and superior liquidity. It is meant to generate optimum accrual return with no mark to market volatility along with high credit quality. Solutions offered by us in this space are : |
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Birla Sun Life Cash Plus Fund (Liquid / Money Market Fund) or Bank Fixed Deposit
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| We would want our investments to be convenient enough so that managing them doesn’t require a lot of extra effort. Birla Sun Life Cash Plus is designed for higher short-term earnings, and gives the convenience of a bank account. The investor gets an Account Statement, similar to a passbook, which records subscriptions and redemptions. The investor can, at any time, add to his/her investment or withdraw all or part of it. To add on to this, there is no penalty attached for withdrawal of money in this scheme; from day one, unlike a Fixed Deposit wherein the investor in penalized if money is withdrawn before the maturity date. |
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| Birla Sun Life Cash Plus (BSLCP) is a highly liquid income scheme with a focus on prevention of Capital Erosion. Money is invested in safe instruments like Repo, Treasury Bills, Commercial Paper, Certificates of Deposit and Non-Convertible Debentures, giving the investor a broad based "parking" alternative, which can yield better returns on money that would otherwise lie idle in a bank account thus making the Money Management task an easy exercise. |
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| Its India’s first liquid fund launched in June 1996 and is also one of the largest funds in its category with a 24 hours short notice liquidity option. It manages more than 10,000 crores of Assets under Management in the liquid fund umbrella and currently does not have any kind of Entry & Exit load. It has been rated as mfA1+f by ICRA. What adds on to the list of value adds is its Lower Dividend Distribution Tax of 22.07% (Effective Tax Rate). |
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Deploy Surplus Cash
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| Creation of surplus cash is a regular occurrence in any emerging market. A lot of Indian corporates have surplus cash in preparation for further expansion plans new projects in the immediate future. In light of this, one needs to explore opportunities for effective deployment of such surplus cash. An alternative worth exploring would be Savings Fund promoted by Mutual Fund Houses which endeavour to provide reasonable returns with highest level of safety and liquidity. Solutions offered by us in this space are : |
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Birla Sun Life Savings Fund
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| Birla Sun Life Savings Fund is an open-ended scheme with the objective to provide reasonable returns with highest level of safety and liquidity. This is a unique fund offering by Birla Sun Life Mutual Fund wherein 100% of the corpus is invested in high quality instruments like Certificate of Deposits, Commercial Papers, Collateralized Borrowing and Lending Obligation, Treasury Bills etc. This fund has No Marked to Market investment and thus is the safe investment avenue for Corporate Treasuries. |
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| The fund offers highest credit quality portfolio with extremely limited risks of credit and Interest Rate Movement. Again the option to liquidate can happen at a very short notice without having any type of Lock-In period involved. And of course there is no penalty/exit load attached for withdrawal of money in this scheme; from day one (unlike a Fixed Deposit wherein the investor in penalized if money is withdrawn before the maturity date). It has been rated as AAAf by CRISIL and has a Lower Distribution Tax of 18.47% ((Effective rate of Tax) as this fund is categorized as Debt Fund. |
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Optimize Returns under 1 year Duration
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| Though the world economy faces a huge output gap and the inflationary expectations remain subdued, these factors will remain favorable for the bond markets. Corporate spreads may squeeze further as some clarity on supply issue emerges. Market is already witnessing spread coming down and in the coming time it is expected to come close to historical Long-Term Average. However, too much liquidity in the banking system as well as light positions on the bank statutory liquidity ratio (SLR) may result in good demand. Solutions offered by us in this space are: |
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Birla Sun Life Dynamic Bond Fund
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| Birla Sun Life Dynamic Bond Fund is positioned to offer its investors participation in upside of bond market, while endeavoring to restrict the downside emanating from volatile market conditions. In order to achieve this objective, the fund invests predominantly in PSU, CDs and Bonds. It’s a short duration target portfolio structured to generate optimum accrual returns, while providing a balance between yield, low risk and liquidity. |
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