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DSP Low Duration Fund

Benchmark: NIFTY Low Duration Debt Index A-…

60.9K people have invested in this fund

LumpsumMonthly SIPView performance details

Return:

Annualized

Absolute

This fund

18.00%

NIFTY Low Duration Debt Index A-…

14.30%

CRISIL 1 Year T-Bill Index

14.15%

team 60.9K people have invested in this fund as of

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

Total AUM

₹5,505.46 crores as of Nov 30, 2024

Age of Fund

9 years 9 months since Mar 10, 2015

Expense Ratio

0.3% as of Dec 13, 2024

Exit Load

Nil

Ideal holding period

6 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 Low Duration Fund?

DSP Low Duration fund invests in money market and debt securities with portfolio duration of 6-12 months.
It invests mostly in sovereign (government) bonds, A1+ rated money market securities and high quality AA & above rated debt securities.

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Why should one invest in DSP Low Duration Fund?

Earn potentially higher returns vs. liquid or money market funds over a short time period (6-12 month).
A credible alternative to bank savings accounts or fixed deposits.
Carries low credit (default) risk.

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Who should invest in DSP Low Duration Fund?

Consider this fund if you
- Are an experienced investor & know what you're doing.
- Want to invest your money for the short term, instead of leaving it idle in a bank account.
- Recognize investing in shorter duration debt securities could mean lower returns but comes with the advantage of lower interest rate risk.
- Understand the basics of debt investing.

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Rethink before you invest

Low Duration Fund carries Moderate Risk.
Even though this is a debt scheme, in rare circumstances, investment losses may be possible.
This is not an equity-oriented fund, so do not expect very high returns.

Fund managers:

Karan Mundhra

Total work experience of 17 years. Managing this fund since March 2022.

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Total work experience of 17 years. Managing this fund since March 2022.

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Shalini Vasanta

Total work experience of 12 years. Managing this fund since June 2023.

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Total work experience of 12 years. Managing this fund since June 2023.

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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

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: 0% - 100% *Debt and Money Market Securities
*Debt securities may include securitised debts up to 50% of the net assets.

Current Allocation

as of Nov 30, 2024

Equity 0%
Debt / cash 100.09%

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

3.67%

Small Industries Development Bank of India

3.25%

7.06% GOI 2028

2.41%

Power Finance Corporation Limited

2.31%

LIC Housing Finance Limited

2.27%

Cash & cash equivalents

-0.09%

Credit rating profile

CRISIL AAA

44.80%

CRISIL A1+

18.30%

SOV

14.70%

ICRA AAA

12.50%

Cash & Equivalent

3.70%

Instrument break-up

Bonds & NCDs

56.90%

Money market instruments

24.30%

Government Securities (Central/State)

11.20%

TREPS

3.70%

Securitized Debt Instruments

3.70%

See all 116 holdings

Indicators

Yield to Maturity

7.50 %

Modified Duration

0.91 Years

Portfolio Macaulay Duration

0.97 Years

Average Maturity

1.06 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		NIFTY Low Duration Debt 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

NIFTY Low Duration Deb…

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 10, 2015.

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 Direct 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 investment objective of the Scheme is to seek to generate returns commensurate with risk from a portfolio constituted of money market securities and/or debt securities.
There is no assurance that the investment objective of the Scheme will be realized.

Fund Type

Debt – Short-term

Low Duration Fund

An open ended low duration debt scheme investing in debt and money market securities such that the Macaulay duration of the portfolio is between 6 months and 12 months (please refer page no. 20 under the section 'Where will the Scheme invest?' in the SID for details on Macaulay's Duration).
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 Low Duration 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

60.9K peoplehave invested in this fund as of

56.95%

Name	% of Net Assets
Small Industries Development Bank of India	3.25%
Power Finance Corporation Limited	2.31%
LIC Housing Finance Limited	2.27%
LIC Housing Finance Limited	1.85%
Kotak Mahindra Prime Limited	1.84%
REC Limited	1.74%
Sikka Ports & Terminals Limited	1.68%
Bajaj Finance Limited	1.45%
REC Limited	1.43%
REC Limited	1.41%
HDFC Bank Limited	1.41%
National Bank for Agriculture and Rural Development	1.39%
National Bank for Agriculture and Rural Development	1.38%
REC Limited	1.36%
Export-Import Bank of India	1.29%
HDB Financial Services Limited	1.15%
LIC Housing Finance Limited	1.03%
Small Industries Development Bank of India	0.97%
Small Industries Development Bank of India	0.97%
National Bank for Agriculture and Rural Development	0.96%
Power Finance Corporation Limited	0.96%
REC Limited	0.95%
Power Finance Corporation Limited	0.95%
Power Finance Corporation Limited	0.95%
Power Finance Corporation Limited	0.94%
REC Limited	0.94%
Bajaj Housing Finance Limited	0.93%
Sundaram Finance Limited	0.93%
Bajaj Housing Finance Limited	0.93%
HDB Financial Services Limited	0.93%
Bajaj Housing Finance Limited	0.93%
Titan Company Limited	0.91%
Sikka Ports & Terminals Limited	0.82%
Power Finance Corporation Limited	0.64%
Small Industries Development Bank of India	0.49%
National Bank for Agriculture and Rural Development	0.48%
Bajaj Housing Finance Limited	0.48%
REC Limited	0.48%
Indian Railway Finance Corporation Limited	0.47%
HDFC Bank Limited	0.47%
National Bank for Agriculture and Rural Development	0.47%
Small Industries Development Bank of India	0.47%
National Bank for Agriculture and Rural Development	0.46%
HDB Financial Services Limited	0.46%
National Bank for Agriculture and Rural Development	0.46%
Power Finance Corporation Limited	0.46%
Power Finance Corporation Limited	0.46%
Titan Company Limited	0.46%
LIC Housing Finance Limited	0.46%
Nexus Select Trust	0.46%
Tata Capital Housing Finance Limited	0.46%
Small Industries Development Bank of India	0.46%
National Bank for Agriculture and Rural Development	0.46%
Jamnagar Utilities & Power Private Limited	0.45%
HDFC Bank Limited	0.45%
LIC Housing Finance Limited	0.45%
REC Limited	0.45%
Small Industries Development Bank of India	0.37%
National Bank for Agriculture and Rural Development	0.37%
National Bank for Agriculture and Rural Development	0.28%
LIC Housing Finance Limited	0.28%
Indian Railway Finance Corporation Limited	0.28%
National Bank for Agriculture and Rural Development	0.28%
Tata Capital Limited	0.28%
HDB Financial Services Limited	0.10%
Bajaj Housing Finance Limited	0.10%
LIC Housing Finance Limited	0.09%

56.9% of Debt instruments

24.32%

Name	% of Net Assets
182 DAYS T-BILL 2025	1.77%
Axis Bank Limited	1.76%
Canara Bank	1.75%
Axis Bank Limited	1.72%
Axis Bank Limited	1.30%
Canara Bank	1.29%
Small Industries Development Bank of India	0.90%
Deutsche Investments India Private Limited	0.90%
Bank of Baroda	0.88%
182 DAYS T-BILL 2025	0.88%
Bank of Baroda	0.88%
Standard Chartered Capital Limited	0.87%
Small Industries Development Bank of India	0.87%
Axis Bank Limited	0.87%
HDFC Bank Limited	0.86%
HDFC Bank Limited	0.86%
HSBC Investdirect Financial Services (India) Limited	0.85%
Standard Chartered Capital Limited	0.84%
182 DAYS T-BILL 2025	0.71%
National Bank for Agriculture and Rural Development	0.45%
Axis Bank Limited	0.45%
ICICI Bank Limited	0.45%
Nexus Select Trust	0.45%
Standard Chartered Capital Limited	0.45%
Axis Bank Limited	0.44%
Kotak Mahindra Bank Limited	0.44%
Kotak Mahindra Bank Limited	0.43%

24.3% of Debt instruments

11.23%

Name	% of Net Assets
7.06% GOI 2028	2.41%
8.28% Karnataka SDL 2026	1.88%
6.18% Gujarat SDL 2026	1.03%
7.88% GOI FRB 2028	0.93%
8.21% Maharashtra SDL 2025	0.67%
0% GOI 2024	0.52%
8.3% Madhya Pradesh SDL 2026	0.48%
7.10% GOI 2034	0.47%
6.58% Gujarat SDL 2027	0.46%
0% GOI 2025	0.44%
0% GOI 2025	0.43%
8.23% Maharashtra SDL 2025	0.37%
0% GOI 2024	0.37%
7.37% GOI 2028	0.28%
7.39% Maharashtra SDL 2026	0.18%
0% GOI 2024	0.13%
8.16% Maharashtra SDL 2025	0.11%
7.37% Maharashtra SDL 2026	0.07%

11.2% of Debt instruments

3.71%

Name	% of Net Assets
India Universal Trust	2.12%
India Universal Trust	1.59%

3.7% of Debt instruments

3.67%

Name	% of Net Assets
TREPS / Reverse Repo Investments	3.67%

3.7% of Debt instruments

0.21%

Name	% of Net Assets
SBI Funds Management Pvt Ltd/Fund Parent	0.21%

0.2% 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 Low Duration Fund

DSP Low Duration Fund

This is a Debt Short-term, Low Duration fund with NIFTY Low Duration Debt Index A-I 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 Low Duration Fund?

Why should one invest in DSP Low Duration Fund?

Who should invest in DSP Low Duration Fund?

Rethink before you invest

Fund managers:

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DSP Low Duration Fund

DSP Low Duration Fund

This is a Debt Short-term, Low Duration fund with NIFTY Low Duration Debt Index A-I 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 Low Duration Fund?

Why should one invest in DSP Low Duration Fund?

Who should invest in DSP Low Duration 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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