Invest in DSP Liquidity Fund Regular Growth: A Smart Choice

DSP Liquidity Fund

Total AUM

₹15,828.84 crores
as of Mar 31, 2025

Age of Fund

27 years 2 months since Mar 11, 1998

Expense Ratio

0.19%
as of May 11, 2025

Exit Load

0.0070% If redeemed…

Ideal holding period

7 Days+

Portfolio as of Mar 31, 2025

Debt 99.7%
Others 0.3%

Indian (99.7%)

Credit rating profile	Weight %
A1+	79.5 %
AAA	2.1 %
SOVEREIGN	18.3 %

Instrument break-up	Weight %
Money market instruments	89.9 %
Government Securities (Central/State)	7.9 %
Bonds & NCDs	2.1 %

Holdings	Weight %
5.22% GOI 2025	5.4 %
National Bank for Agriculture and Rural Development	3.1 %
Union Bank of India	3.1 %
National Bank for Agriculture and Rural Development	3.1 %
Canara Bank	3.1 %
HDFC Bank Limited	3.0 %
91 DAYS T-BILL 2025	3.0 %
182 DAYS T-BILL 2025	2.9 %
Bank of Baroda	2.8 %
Canara Bank	2.8 %
7.72% GOI 2025	2.6 %
Reliance Retail Ventures Limited	2.5 %
Bank of Baroda	2.5 %
Punjab National Bank	2.5 %
91 DAYS T-BILL 2025	2.5 %
HDFC Bank Limited	2.5 %
Axis Bank Limited	2.2 %
Union Bank of India	2.2 %
HDFC Bank Limited	2.0 %
91 DAYS T-BILL 2025	2.0 %
Punjab National Bank	1.9 %
Bank of Baroda	1.9 %
Punjab National Bank	1.6 %
ICICI Securities Limited	1.6 %
Tata Motors Finance Limited	1.6 %
HDFC Securities Limited	1.6 %
Axis Bank Limited	1.4 %
Indian Bank	1.2 %
Small Industries Development Bank of India	1.2 %
ICICI Securities Limited	1.2 %
Indian Bank	1.2 %
ICICI Securities Limited	1.2 %
Network18 Media & Investments Limited	1.2 %
Cholamandalam Investment and Finance Company Limited	1.2 %
Julius Baer Capital (India) Private Limited	1.2 %
National Bank for Agriculture and Rural Development	1.2 %
HDFC Securities Limited	1.2 %
Union Bank of India	1.2 %
Union Bank of India	1.2 %
ICICI Securities Limited	1.2 %
The Federal Bank Limited	1.2 %
Tata Capital Limited	1.2 %
Tata Motors Finance Limited	0.9 %
Bajaj Finance Limited	0.9 %
The Federal Bank Limited	0.9 %
Tata Capital Limited	0.9 %
Bajaj Finance Limited	0.9 %
8.25% Maharashtra SDL 2025	0.9 %
Mahindra & Mahindra Financial Services Limited	0.9 %
Small Industries Development Bank of India	0.8 %
Punjab National Bank	0.8 %
ICICI Securities Limited	0.8 %
Aditya Birla Money Limited	0.8 %
Union Bank of India	0.8 %
HDFC Securities Limited	0.8 %
Export-Import Bank of India	0.8 %
Bank of Baroda	0.8 %
Bank of Baroda	0.8 %
91 DAYS T-BILL 2025	0.7 %
Bank of Baroda	0.6 %
Reliance Retail Ventures Limited	0.6 %
Indian Bank	0.6 %
Sikka Ports & Terminals Limited	0.6 %
Bajaj Finance Limited	0.6 %
Tata Capital Limited	0.6 %
Small Industries Development Bank of India	0.6 %
IDFC First Bank Limited	0.6 %
Axis Bank Limited	0.6 %
IDFC First Bank Limited	0.6 %
Axis Bank Limited	0.6 %
Mahindra Lifespace Developers Limited	0.5 %
Godrej Industries Limited	0.5 %
HDFC Securities Limited	0.5 %
Godrej Industries Limited	0.5 %
182 DAYS T-BILL 2025	0.5 %
HDFC Bank Limited	0.3 %
IDFC First Bank Limited	0.3 %
IDFC First Bank Limited	0.3 %
Indian Bank	0.3 %
Axis Bank Limited	0.3 %
Bank of Baroda	0.3 %
Kotak Securities Limited	0.3 %
LIC Housing Finance Limited	0.2 %
182 DAYS T-BILL 2025	0.2 %
Power Finance Corporation Limited	0.2 %
ICICI Securities Limited	0.2 %
Punjab National Bank	0.2 %
182 DAYS T-BILL 2025	0.0 %
Cash & cash equivalents	-12.9 %
View All	99.7 %

Holdings	Weight %
SBI Funds Management Pvt Ltd/Fund Parent	0.3 %
	0.3 %

Indicators

Yield to Maturity

6.51 %

Modified Duration

0.10 Years

Portfolio Macaulay Duration

0.11 Years

Average Maturity

0.11 Years

Performance

Performance highlights over last

for

investment

Cumulative returns on

Annual returns

Current value

Min CAGR:

MedianCAGR:

Max CAGR:

Good Returns

Negative Returns

vs Fixed Deposit

vs Category

vs Benchmark

Historical Returns (As per SEBI format)as of with investment of₹10,000

	This fund		CRISIL Liquid Debt A-I Index ^{^}		CRISIL 1 Year T-Bill I… ^#
	CAGR	Current Value	CAGR	Current Value	CAGR	Current Value

Income distribution Cum Capital Withdrawal (IDCW) Distributed

Record Date	Face Value	IDCW per unit	NAV Before	NAV After

Chart type

Graph viewTable view

Invested as

Invested Amount

₹

Invested since

This fund

CRISIL Liquid Debt A-I…

CRISIL 1 Year T-Bill I…

Gold

PPF

	Funds	Annual returns	Current Value	Absolute Growth	IDCW paid

Chart type:

Returns RangesStatistics

Invested Amount

₹

Invested period

Funds	Minimum	Median	Maximum	% times -ve returns	% times returns > 7%

Date of allotment: Mar 11, 1998.

Period for which fund's performance has been provided is computed based on last day of the month-end preceding the date of advertisement

Different plans shall have a different expense structure. The performance details provided herein are of Regular Plan.

Since inception returns have been calculated from the date of allotment till June 30, 2021

Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Rolling returns have been calculated based on returns from regular plan growth option.

Pursuant to payments of Income Distribution cum Capital Withdrawal, the NAV of the IDCW option(s) of Schemes would fall to the extent of payout, and statutory levy, if any.

^ Fund Benchmark # Additional Benchmark

Scheme disclaimers

Fund Details

Things to know before you invest

What is in DSP Liquidity Fund?

This fund invests in high quality debt securities.
Invested instruments have upto 91-day maturity.

Why should one invest in DSP Liquidity Fund?

Suitable to invest 'idle' money or money earmarked for emergencies for a short time.
Can be a good vehicle to park money temporarily, while you systematically transfer or switch into equity funds over time.
Easier liquidity (ability to withdraw capital) vs bank FDs.
Low credit risk and interest rate risk.
Can be an alternative to Bank Savings Account.

Who should invest in DSP Liquidity Fund?

Consider this fund if you
- Are a relatively new debt market investor.
- Want to park money for a very short period of time & may need to withdraw suddenly.
- Have a very low tolerance for risk.

Rethink before you invest

This scheme carries Low to Moderate Risk.
Though fund may have lower credit & interest rate risk, it also mean that returns of the fund will be lower.

Fund managers:

Karan Mundhra

Total work experience of 17 years. Managing this fund since May 2021.

arrow_forwardSee funds managed by him

Total work experience of 17 years. Managing this fund since May 2021.

arrow_forwardSee funds managed by him

Shalini Vasanta

Total work experience of 13 years. Managing this fund since August 2024.

arrow_forwardSee funds managed by her

Total work experience of 13 years. Managing this fund since August 2024.

arrow_forwardSee funds managed by her

Karan has a total work experience of over 9 years. He joined DSP Mutual Funds in April 2012 as part of Fund Administration team. In 2016, he joined the Fixed Income Investment team. He is a Chartered Accountant (ICAI India) and also holds a Bachelor of Commerce Degree.

Sr. No.	Scheme Name	Managing since	Period
Period for which fund's performance has been provided is computed based on last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of regular plan. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Sr. No.

Scheme Name

Managing since

Period

1 Years

3 Years

5 Years

Scheme return (%)

Benchmark return (%)

Scheme return (%)

Benchmark return (%)

Scheme return (%)

Benchmark return (%)

Period for which fund's performance has been provided is computed based on last day of the month-end preceding the date of advertisement

Different plans shall have a different expense structure. The performance details provided herein are of regular plan.

Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Shalini has a total work experience of Over 11 years. She is part of the fixed income team at DSP Asset Manager's since 2017. Shalini has also worked with ICRA Ltd. as a Credit Rating Analyst in their Large Corporate Group. She holds a Master of Business Administration (Finance) degree from NMIMS, Mumbai and BA with Hons in Economics & Statistics from St. Xavier's College, Mumbai.

Sr. No.	Scheme Name	Managing since	Period
Period for which fund's performance has been provided is computed based on last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of regular plan. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Sr. No.

Scheme Name

Managing since

Period

1 Years

3 Years

5 Years

Scheme return (%)

Benchmark return (%)

Scheme return (%)

Benchmark return (%)

Scheme return (%)

Benchmark return (%)

Period for which fund's performance has been provided is computed based on last day of the month-end preceding the date of advertisement

Different plans shall have a different expense structure. The performance details provided herein are of regular plan.

Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Investment Objective

The primary investment objective of the Scheme is to seek to generate a reasonable return commensurate with low risk and a high degree of liquidity, from a portfolio constituted of money market securities and high quality debt securities.
There is no assurance that the investment objective of the Scheme will be realized.