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DSP Liquidity Fund

Benchmark: CRISIL Liquid Debt A-I Index

1.66 lakh people have invested in this fund

LumpsumMonthly SIPView performance details

Return:

Annualized

Absolute

This fund

18.00%

CRISIL Liquid Debt A-I Index

14.30%

CRISIL 1 Year T-Bill Index

14.15%

team 1.66 lakh people have invested in this fund as of

This is a Debt Short-term, Liquid fund with CRISIL Liquid Debt A-I Index as its benchmark. The risk level for this fund is categorized as Low to Moderate Risk.

Total AUM

₹22,864.39 crores as of Nov 30, 2024

Age of Fund

26 years 9 months since Mar 11, 1998

Expense Ratio

0.2% as of Dec 10, 2024

Exit Load

0.0070% If redeemed…

Ideal holding period

3 Months+

Rolling Returns

Bars show distribution of returns in given range for selected time period

View performance details

Things to know before you invest

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What is in DSP Liquidity Fund?

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

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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.

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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.

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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.

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

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Laukik Bagwe

Total work experience of 24 years. Managing this fund since August 2024.

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Total work experience of 24 years. Managing this fund since August 2024.

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Shalini Vasanta

Total work experience of 12 years. Managing this fund since August 2024.

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Total work experience of 12 years. Managing this fund since August 2024.

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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

Laukik is Fund Manager with the Fixed Income Investment team of DSP Mutual Funds. He joined the firm in November 2007 as a Fixed Income Dealer. From November 2003 to October 2007, Laukik worked with Derivium Capital & Securities Pvt. Ltd. as the Head of Fixed Income Trading - SLR & NONSLR Broking. From June 2000 to October 2003, he worked with Birla Sunlife Securities Ltd. as a Manager-SLR & NONSLR Broking. He brings with him a total work experience of 11 years in debt broking and is currently the fund manager for the following schemes of DSP Mutual Fund.

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

Portfolio

Prescribed asset allocation: 80% - 100% Money market securities and/or Debt securities with maturity of 91 day

Current Allocation

as of Nov 30, 2024

Equity 0%
Debt / cash 100.33%

Equity
Debt / Cash

Top holdings

No Data to display

Top Sectors

No Data to display

Top holdings

No Data to display

Top holdings

TREPS / Reverse Repo Investments

6.82%

Bank of Baroda

3.26%

Small Industries Development Bank of India

2.84%

Reliance Jio Infocomm Limited

2.40%

Canara Bank

2.36%

Cash & cash equivalents

-0.33%

Credit rating profile

CRISIL A1+

61.00%

IND A1+

12.40%

SOV

11.00%

Cash & Equivalent

6.80%

ICRA A1+

3.80%

Instrument break-up

Money market instruments

88.30%

TREPS

6.80%

Bonds & NCDs

4.00%

Government Securities (Central/State)

0.80%

Mutual-funds

0.10%

See all 135 holdings

Indicators

Yield to Maturity

7.07 %

Modified Duration

0.09 Years

Portfolio Macaulay Duration

0.10 Years

Average Maturity

0.10 Years

Compare 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 Returnsas of with investment of₹10,000
As per SEBI format
As per IDCW history

	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	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.

^ Fund Benchmark # Additional Benchmark

Scheme disclaimers

Fund Details

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.

Fund Type

Debt – Short-term

Liquid Fund

An open ended liquid scheme.
A relatively low interest rate risk and moderate credit risk.

Riskometer

Level of Risk in the fund

View details

Potential Risk Class Matrix : B-I

B-I is the potential risk class matrix of DSP Liquidity Fund based on interest rate & credit risk.

Minimum Investment

Rs. 100 Lumpsum
Rs. 100 SIP– 12 instalments
Rs. 100 Minimum Additional Purchase

Fund Documents

KIM and Applications

1.66 lakh peoplehave invested in this fund as of

88.56%

Name	% of Net Assets
Bank of Baroda	3.26%
Small Industries Development Bank of India	2.84%
Reliance Jio Infocomm Limited	2.40%
Canara Bank	2.36%
Bank of Baroda	2.16%
Union Bank of India	2.15%
HDFC Bank Limited	2.07%
State Bank of India	1.85%
National Bank for Agriculture and Rural Development	1.74%
Axis Bank Limited	1.74%
Punjab National Bank	1.63%
364 DAYS T-BILL 2025	1.49%
Punjab National Bank	1.42%
Export-Import Bank of India	1.31%
Tata Capital Limited	1.30%
Punjab National Bank	1.30%
91 DAYS T-BILL 2025	1.30%
364 DAYS T-BILL 2025	1.30%
91 DAYS T-BILL 2025	1.30%
HDFC Bank Limited	1.29%
ICICI Securities Limited	1.20%
HDFC Securities Limited	1.09%
HDFC Securities Limited	1.08%
182 DAYS T-BILL 2025	1.01%
Tata Housing Development Company Limited	0.98%
LIC Housing Finance Limited	0.98%
91 DAYS T-BILL 2024	0.98%
Bank of Baroda	0.98%
182 DAYS T-BILL 2024	0.92%
Small Industries Development Bank of India	0.87%
Bank of India	0.87%
Union Bank of India	0.87%
State Bank of India	0.87%
Reliance Jio Infocomm Limited	0.87%
Export-Import Bank of India	0.87%
Bank of Baroda	0.86%
Kotak Securities Limited	0.86%
Julius Baer Capital (India) Private Limited	0.86%
Kotak Securities Limited	0.86%
Motilal Oswal Finvest Limited	0.86%
91 DAYS T-BILL 2025	0.86%
ICICI Securities Limited	0.86%
Punjab National Bank	0.86%
Bank of Baroda	0.86%
Axis Securities Limited	0.86%
Reliance Industries Limited	0.86%
Reliance Retail Ventures Limited	0.86%
Axis Securities Limited	0.76%
IndusInd Bank Limited	0.76%
HDB Financial Services Limited	0.66%
Bajaj Financial Securities Limited	0.66%
ICICI Securities Limited	0.65%
Small Industries Development Bank of India	0.65%
ICICI Securities Limited	0.65%
Aditya Birla Housing Finance Limited	0.65%
ICICI Securities Primary Dealership Limited	0.65%
Redington Limited	0.65%
Sikka Ports & Terminals Limited	0.65%
Canara Bank	0.65%
Bajaj Housing Finance Limited	0.65%
Tata Projects Limited	0.65%
Julius Baer Capital (India) Private Limited	0.65%
Motilal Oswal Financial Services Limited	0.65%
Export-Import Bank of India	0.65%
Canara Bank	0.65%
Small Industries Development Bank of India	0.65%
Canara Bank	0.65%
Export-Import Bank of India	0.61%
ICICI Securities Limited	0.54%
182 DAYS T-BILL 2025	0.54%
Canara Bank	0.44%
The Federal Bank Limited	0.44%
Indian Bank	0.44%
ICICI Securities Limited	0.44%
Motilal Oswal Financial Services Limited	0.44%
AU Small Finance Bank Limited	0.44%
National Bank for Agriculture and Rural Development	0.44%
Kotak Securities Limited	0.44%
Bajaj Financial Securities Limited	0.44%
HDFC Bank Limited	0.43%
HDFC Bank Limited	0.43%
Tata Capital Housing Finance Limited	0.43%
AU Small Finance Bank Limited	0.33%
HDFC Bank Limited	0.33%
Kotak Mahindra Bank Limited	0.32%
Canara Bank	0.32%
ICICI Bank Limited	0.32%
HDFC Bank Limited	0.32%
HDFC Bank Limited	0.32%
Birla Group Holdings Private Limited	0.32%
Axis Bank Limited	0.22%
SBICAP Securities Limited	0.22%
Godrej Finance Limited	0.22%
Punjab National Bank	0.22%
Hero Housing Finance Limited	0.22%
Kotak Mahindra Bank Limited	0.22%
Julius Baer Capital (India) Private Limited	0.22%
HDFC Securities Limited	0.22%
182 DAYS T-BILL 2025	0.22%
Export-Import Bank of India	0.22%
Kotak Mahindra Bank Limited	0.22%
Bank of Baroda	0.22%
HDFC Securities Limited	0.22%
Network18 Media & Investments Limited	0.22%
364 DAYS T-BILL 2025	0.13%
182 DAYS T-BILL 2025	0.13%
Bank of Baroda	0.11%
Motilal Oswal Financial Services Limited	0.11%
Small Industries Development Bank of India	0.11%
ICICI Securities Limited	0.11%
Union Bank of India	0.11%
Punjab National Bank	0.11%
ICICI Bank Limited	0.11%
Kotak Mahindra Bank Limited	0.11%
Kotak Mahindra Bank Limited	0.11%
Punjab National Bank	0.11%
Birla Group Holdings Private Limited	0.11%
182 DAYS T-BILL 2024	0.09%
182 DAYS T-BILL 2025	0.09%
Axis Bank Limited	0.04%
364 DAYS T-BILL 2024	0.04%
364 DAYS T-BILL 2024	0.02%

88.3% of Debt instruments

6.82%

Name	% of Net Assets
TREPS / Reverse Repo Investments	6.82%

6.8% of Debt instruments

4.05%

Name	% of Net Assets
National Bank for Agriculture and Rural Development	1.36%
Sundaram Finance Limited	0.71%
LIC Housing Finance Limited	0.57%
Larsen & Toubro Limited	0.35%
HDB Financial Services Limited	0.30%
Kotak Mahindra Prime Limited	0.23%
Cholamandalam Investment and Finance Company Limited	0.23%
Kotak Mahindra Prime Limited	0.18%
LIC Housing Finance Limited	0.12%

4% of Debt instruments

0.77%

Name	% of Net Assets
8.14% Gujarat SDL 2025	0.54%
8.13% Maharashtra SDL 2025	0.23%

0.8% of Debt instruments

0.13%

Name	% of Net Assets
SBI Funds Management Pvt Ltd/Fund Parent	0.13%

0.1% of Debt instruments

For lumpsum investments, if the investment period is less than 1 year then same return values are displayed for absolute & XIRR. For periods above 1 year, they are annualized. 1 Year is assumed as 365 days.
Returns for investments in income distribution cum capital withdrawal (IDCW) plans of schemes are calculated after assuming that the net income distribution cum capital withdrawal (IDCW) payouts post statutory taxes & levies, are re-invested back in the scheme.
Income distribution cum capital withdrawals (IDCW) declared from benchmark's constituents isn't taken into account when comparing with investment in fund's income distribution cum capital withdrawal (IDCW) plans.
Performance is always compared against the latest benchmark of the fund irrespective of the date of change of fund's benchmark, if any.
Except when SIP tenure is since inception, for all tenures, the start day for SIP investments is considered as 1st of every month. There is no end date to SIPs for the purpose of graphs.
For the purpose of NAV date applicability, if the investment date happens to be a non-business day, next business day's NAV is applied. Investment on inception date can happen on a non-business day.
Gold prices are available post 29 JAN, 2005 & are based on daily closing values on MCX.
Investment in gold has a strong global market demand and gold is highly liquid asset.
PPF interest rate is assumed at 8.7% p.a. & interest received is compounded daily for the returns illustration in the charts.
The comparison with PPF (and other traditional saving instruments/assets) has been given for the purpose of the general information only. Investments in mutual funds should not be construed as a promise, guarantee on or a forecast of any minimum returns. Unlike traditional saving instruments there is no capital protection guarantee or assurance of any return in mutual fund investment. Traditional savings instruments are comparatively low risk products and are generally backed by the Government. Investment in mutual funds carries high risk as compared to the traditional saving instruments and any investment decision needs to be taken only after consulting the Tax Consultant or Mutual Fund Distributor.
Past performance may or may not sustain in future and should not be used as a basis for comparison with other investments. There is no assurance of any returns/capital protection/capital guarantee to the investors in any scheme of DSP Mutual Fund.
The sector(s)/stock(s)/issuer(s) mentioned in this document do not constitute any recommendation of the same and the Fund may or may not have any future position in these sector(s)/stock(s)/issuer(s).
The investment approach / framework/ strategy / portfolio / other data mentioned herein are dated and currently followed by the scheme and the same may change in future depending on market conditions and other factors.
The SIP returns are calculated by XIRR approach assuming investment of Rs. 10,000/- on the 1st working day of every month. XIRR helps in calculating return on investments given an initial and final value and a series of cash infows and outflows with the correct allowance for the time impact of the transactions. Load is not taken into consideration for computation of performance.

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DSP Liquidity Fund

DSP Liquidity Fund

This is a Debt Short-term, Liquid fund with CRISIL Liquid Debt A-I Index as its benchmark. The risk level for this fund is categorized as Low to Moderate Risk.

Things to know before you invest

What is in DSP Liquidity Fund?

Why should one invest in DSP Liquidity Fund?

Who should invest in DSP Liquidity Fund?

Rethink before you invest

Fund managers:

Portfolio

Current Allocation

Indicators

Compare Performance

Invested Amount

Invested Amount

Fund Details

Fund Details

Investment Objective

Fund Type

Riskometer

Minimum Investment

Fund Documents

Products Offered

Product Information

For Investors

Other Information

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Email Address

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DSP Liquidity Fund

DSP Liquidity Fund

This is a Debt Short-term, Liquid fund with CRISIL Liquid Debt A-I Index as its benchmark. The risk level for this fund is categorized as Low to Moderate Risk.

Things to know before you invest

What is in DSP Liquidity Fund?

Why should one invest in DSP Liquidity Fund?

Who should invest in DSP Liquidity Fund?

Rethink before you invest

Fund managers:

Portfolio

Current Allocation

Indicators

Compare Performance

Invested Amount

Invested Amount

Fund Details

Fund Details

Investment Objective

Fund Type

Riskometer

Minimum Investment

Fund Documents

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