DSP Liquidity Fund
Plan type

	CAGR since inception

Scheme Type:

Scheme Risk:
Low to Moderate Risk
Age:
27 years 23 days since Mar 11, 1998
AUM:
Rs. 22,386.69 crores as of Feb 28, 2025
Horizon:
7 Days+
Benchmark:
CRISIL Liquid Debt A-I Index
Potential Risk Class Matrix
Benchmark Risk:
Low to Moderate Risk
Goal:
Income Generation

Scheme features

Performance

Cumulative returns

Returns from of Rs. invested

Show:

Annualized Returns

Absolute Returns

This scheme		CRISIL Liqu…	CRISIL 1 Ye…	Gold	PPF
NA	vs	NA	NA	NA	NA
NA	vs	NA	NA	NA	NA

Scheme disclaimers »

Returns calculator

	This scheme	CRISIL Liqu… ^#	CRISIL 1 Ye… ^#	Gold	PPF
# Returns do not reflect any income distribution cum capital withdrawal (IDCW) distribution

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Returns summary

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Rolling returns

	1 Year	3 Years	5 Years	10 Years
# Rolling returns have been calculated based on returns from regular plan growth option.

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Fund Managers

Karan Mundhra

Total work experience of 17 years. Managing this fund since May 2021. See all funds managed by Karan Mundhra »
Shalini Vasanta

Total work experience of 12 years. Managing this fund since August 2024. See all funds managed by Shalini Vasanta »

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.
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Scheme Description

Investment in Debt and money market securities with maturity of up to 91 days only

Scheme Documents

KIM & Application

Historical Returns

In SEBI format

Comparative performance of DSP Liquidity Fund as of
	DSP Liquidity Fund	CRISIL Liqu… ^{^}	CRISIL 1 Ye… ^#
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 28, 2013 See all funds managed by Karan Mundhra » See all funds managed by Shalini Vasanta » Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments ^ Fund Benchmark # Additional Benchmark

Scheme disclaimers »

Portfolio as of Feb 28, 2025

Equity

Market capitalization

No data to display

Sector allocation

No data to display

Debt & debt instruments

Credit rating profile

No data to display

Instrument break-up

No data to display

Top 5 instruments by holding
Name	% of Net Assets
TREPS / REVERSE REPO INVESTMENTS	3.97%
7.38% MADHYA PRADESH SDL 2025	3.63%
91 DAYS T-BILL 2025	2.81%
INDIAN BANK	2.67%
91 DAYS T-BILL 2025	2.66%
See detailed debt holdings »

Prescribed Asset Allocation

80% - 100% Money market securities and/o…

Current Asset Allocation as of Feb 28, 2025

Debt Instruments see breakup 99.95% (99.95}%)

Indicators

Yield to Maturity
6.95 %
Modified Duration
0.14 Years
Portfolio Macaulay Duration
0.15 Years
Average Maturity
0.16 Years

Karan Mundhra

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.

All Funds managed by Karan Mundhra
Sr. No.	Scheme Name	Managing since	Period
Sr. No.	Scheme Name	Managing since	1 Year		3 Years		5 Years
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 Vasanta

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.

All Funds managed by Shalini Vasanta
Sr. No.	Scheme Name	Managing since	Period
Sr. No.	Scheme Name	Managing since	1 Year		3 Years		5 Years
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

Debt holdings for DSP Liquidity Fund

Money market instruments87.55%

Name	Rating	% of Net Assets
91 DAYS T-BILL 2025	SOV	2.81%
INDIAN BANK	CRISIL A1+	2.67%
91 DAYS T-BILL 2025	SOV	2.66%
PUNJAB NATIONAL BANK	CRISIL A1+	2.33%
AXIS BANK LIMITED	CRISIL A1+	2.21%
BANK OF BARODA	IND A1+	2.2%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	CRISIL A1+	2.2%
HDFC BANK LIMITED	CRISIL A1+	2.19%
91 DAYS T-BILL 2025	SOV	2.1%
182 DAYS T-BILL 2025	SOV	2.01%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	CRISIL A1+	1.77%
RELIANCE RETAIL VENTURES LIMITED	CRISIL A1+	1.76%
PUNJAB NATIONAL BANK	CRISIL A1+	1.76%
PUNJAB NATIONAL BANK	CRISIL A1+	1.76%
UNION BANK OF INDIA	ICRA A1+	1.54%
PUNJAB NATIONAL BANK	CRISIL A1+	1.45%
RELIANCE RETAIL VENTURES LIMITED	CRISIL A1+	1.34%
INDIAN BANK	CRISIL A1+	1.32%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA	CRISIL A1+	1.23%
AXIS BANK LIMITED	CRISIL A1+	1.21%
INDIAN BANK	CRISIL A1+	1.12%
HDFC SECURITIES LIMITED	CRISIL A1+	1.12%
UNION BANK OF INDIA	ICRA A1+	1.1%
ICICI SECURITIES LIMITED	CRISIL A1+	1.1%
TATA MOTORS FINANCE LIMITED	CRISIL A1+	1.1%
BANK OF BARODA	IND A1+	1.1%
HDFC SECURITIES LIMITED	CRISIL A1+	1.1%
91 DAYS T-BILL 2025	SOV	1.04%
TATA STEEL LIMITED	ICRA A1+	0.89%
KOTAK SECURITIES LIMITED	CRISIL A1+	0.89%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	CRISIL A1+	0.89%
HDFC SECURITIES LIMITED	CRISIL A1+	0.89%
ICICI SECURITIES LIMITED	CRISIL A1+	0.89%
LIC HOUSING FINANCE LIMITED	CRISIL A1+	0.89%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA	CRISIL A1+	0.89%
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED	CRISIL A1+	0.88%
JULIUS BAER CAPITAL (INDIA) PRIVATE LIMITED	CRISIL A1+	0.88%
ICICI SECURITIES LIMITED	CRISIL A1+	0.88%
TATA CAPITAL LIMITED	CRISIL A1+	0.88%
ICICI SECURITIES LIMITED	CRISIL A1+	0.88%
UNION BANK OF INDIA	ICRA A1+	0.88%
INDIAN BANK	CRISIL A1+	0.88%
BAJAJ FINANCE LIMITED	CRISIL A1+	0.88%
THE FEDERAL BANK LIMITED	CRISIL A1+	0.88%
ICICI SECURITIES LIMITED	CRISIL A1+	0.88%
BANK OF BARODA	IND A1+	0.88%
UNION BANK OF INDIA	ICRA A1+	0.88%
NETWORK18 MEDIA & INVESTMENTS LIMITED	ICRA A1+	0.88%
MOTILAL OSWAL FINANCIAL SERVICES LIMITED	CRISIL A1+	0.78%
ICICI BANK LIMITED	ICRA A1+	0.77%
SBICAP SECURITIES LIMITED	CRISIL A1+	0.67%
BANK OF INDIA	CRISIL A1+	0.67%
ICICI SECURITIES LIMITED	CRISIL A1+	0.67%
REDINGTON LIMITED	CRISIL A1+	0.67%
TATA MOTORS FINANCE LIMITED	CRISIL A1+	0.66%
BANK OF BARODA	IND A1+	0.66%
TATA CAPITAL LIMITED	CRISIL A1+	0.66%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	CRISIL A1+	0.66%
THE FEDERAL BANK LIMITED	CRISIL A1+	0.66%
BAJAJ FINANCE LIMITED	CRISIL A1+	0.66%
ICICI SECURITIES LIMITED	CRISIL A1+	0.66%
GODREJ PROPERTIES LIMITED	CRISIL A1+	0.65%
PUNJAB NATIONAL BANK	CRISIL A1+	0.62%
BANK OF BARODA	IND A1+	0.55%
HDFC SECURITIES LIMITED	CRISIL A1+	0.55%
GODREJ PROPERTIES LIMITED	CRISIL A1+	0.45%
KOTAK SECURITIES LIMITED	CRISIL A1+	0.45%
CANARA BANK	CRISIL A1+	0.45%
ADITYA BIRLA MONEY LIMITED	CRISIL A1+	0.45%
ICICI BANK LIMITED	ICRA A1+	0.45%
SBICAP SECURITIES LIMITED	CRISIL A1+	0.45%
BAJAJ FINANCE LIMITED	CRISIL A1+	0.44%
JSW ENERGY LIMITED	ICRA A1+	0.44%
TATA CAPITAL LIMITED	CRISIL A1+	0.44%
IDFC FIRST BANK LIMITED	CRISIL A1+	0.44%
RELIANCE RETAIL VENTURES LIMITED	CRISIL A1+	0.44%
SIKKA PORTS & TERMINALS LIMITED	CRISIL A1+	0.44%
PUNJAB NATIONAL BANK	CRISIL A1+	0.44%
IDFC FIRST BANK LIMITED	CRISIL A1+	0.44%
UNION BANK OF INDIA	ICRA A1+	0.33%
HDFC SECURITIES LIMITED	CRISIL A1+	0.33%
GODREJ INDUSTRIES LIMITED	CRISIL A1+	0.33%
MAHINDRA LIFESPACE DEVELOPERS LIMITED	IND A1+	0.33%
GODREJ INDUSTRIES LIMITED	CRISIL A1+	0.33%
LIC HOUSING FINANCE LIMITED	CRISIL A1+	0.33%
BANK OF BARODA	IND A1+	0.33%
GODREJ INDUSTRIES LIMITED	CRISIL A1+	0.33%
EXPORT-IMPORT BANK OF INDIA	CRISIL A1+	0.33%
KOTAK MAHINDRA BANK LIMITED	CRISIL A1+	0.33%
UNION BANK OF INDIA	ICRA A1+	0.22%
CANARA BANK	CRISIL A1+	0.22%
INDUSIND BANK LIMITED	CRISIL A1+	0.22%
JULIUS BAER CAPITAL (INDIA) PRIVATE LIMITED	CRISIL A1+	0.22%
KOTAK SECURITIES LIMITED	CRISIL A1+	0.22%
PUNJAB NATIONAL BANK	CRISIL A1+	0.11%
CANARA BANK	CRISIL A1+	0.11%
KOTAK MAHINDRA BANK LIMITED	CRISIL A1+	0.11%
ICICI SECURITIES LIMITED	CRISIL A1+	0.11%
HDFC BANK LIMITED	CRISIL A1+	0.11%
THE FEDERAL BANK LIMITED	CRISIL A1+	0.11%
182 DAYS T-BILL 2025	SOV	0.04%
91 DAYS T-BILL 2025	SOV	0.02%
182 DAYS T-BILL 2025	SOV	0.02%

87.6% of Debt instruments

Government Securities (Central/State)7.07%

Name	Rating	% of Net Assets
7.38% MADHYA PRADESH SDL 2025	SOV	3.63%
8.10% JHARKHAND SDL 2025	SOV	1.16%
5.88% GUJARAT SDL 2025	SOV	0.8%
7.52% GUJARAT SDL 2025	SOV	0.72%
8.25% MAHARASHTRA SDL 2025	SOV	0.64%
8.09% MADHYA PRADESH SDL 2025	SOV	0.12%

7.1% of Debt instruments

TREPS3.97%

Name	Rating	% of Net Assets
TREPS / REVERSE REPO INVESTMENTS	--	3.97%

4% of Debt instruments

Bonds & NCDs1.16%

Name	Rating	% of Net Assets
MAHINDRA & MAHINDRA FINANCIAL SERVICES LIMITED	CRISIL AAA	0.62%
POWER FINANCE CORPORATION LIMITED	CRISIL AAA	0.29%
LIC HOUSING FINANCE LIMITED	CRISIL AAA	0.13%
POWER FINANCE CORPORATION LIMITED	CRISIL AAA	0.12%

1.2% of Debt instruments

Mutual-funds0.2%

Name	Rating	% of Net Assets
SBI FUNDS MANAGEMENT PVT LTD/FUND PARENT	Mutual Funds	0.2%

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.
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.
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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Performance

Historical Returns

Portfolio as of Feb 28, 2025

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DSP Equity Savings Fund presentation

Karan Mundhra

Shalini Vasanta

Debt holdings for DSP Liquidity Fund

Money market instruments87.55%

Government Securities (Central/State)7.07%

TREPS3.97%

Bonds & NCDs1.16%

Mutual-funds0.2%

DSP Liquidity Fund presentation