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DSP Low Duration Fund - Regular Plan download report

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Debt: Low Duration

Analysts' Choiceunlock it

1 Lakh

Investment Grown to
₹ 1.03 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.22 Lakh

Suitability:

"Low Duration debt funds invest in bonds maturing in six months to a year. They aim to earn slightly better returns than what you can get from a bank account or a short duration fixed deposit. The risk of incurring a loss in these funds is negligible but they do not guarantee returns or safety of capital. Retail investors can avoid these funds altogether. Here's why. Debt funds are very finely classified depending upon the maturity of the bonds they invest in. For instance, there's a different category of funds that invests in bonds of up to three months maturity, from the one that invests in bonds maturing in three to six months, and so on. We believe that such a nuanced classification adds little value to retail investors. They can avoid this complexity and simply invest the money they don't need for up to a year in a Liquid fund."

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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(₹)
cal
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
DSP Low Duration Reg-G 0.95 0.01 0.05 -0.13 0.43 1.31 3.08 5.65 6.19 6.76 --
CCIL T Bill Liquidity Weight 0.55 0.02 0.03 -0.02 0.25 0.81 1.89 2.76 3.34 3.74 --
Debt: Low Duration 0.85 0.02 0.05 -0.15 0.36 1.17 3.55 4.47 5.46 6.22 --
Rank within category 7 16 15 10 8 6 9 6 6 5 --
Number of funds in category 22 22 22 22 22 22 22 22 22 21 17

As on 19-May-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
DSP Low Duration Fund - Regular Plan  | Invest Online
3 star
 Mar-15 3.08 5.65 6.19 0.63% 3,717
ICICI Prudential Savings Fund  | Invest Now
5 star
 Sep-02 3.50 6.23 6.67 0.52% 23,330
HDFC Low Duration Fund  | Invest Online
4 star
 Nov-99 3.22 5.82 6.17 1.04% 17,920
Aditya Birla Sun Life Low Duration Fund  | Invest Online
4 star
 May-98 3.20 5.75 6.26 1.21% 14,540
Nippon India Low Duration Fund  | Invest Online
4 star
 Mar-07 3.34 5.30 6.11 1.02% 9,632

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 1.65 24-Mar-2020 - 31-Mar-2020 -1.43 03-Jun-2019 - 10-Jun-2019
Month 2.26 24-Mar-2020 - 23-Apr-2020 -1.10 25-Feb-2020 - 26-Mar-2020
Quarter 4.66 14-Jun-2019 - 13-Sep-2019 -0.06 24-Dec-2019 - 24-Mar-2020
Year 10.78 24-Jun-2019 - 23-Jun-2020 3.06 12-May-2021 - 13-May-2022

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
DSP Low Duration Reg-G 5.60 1.16 1.78 4.91 1.21 2.89
CCIL T Bill Liquidity Weight 2.86 0.36 -1.85 -5.13 -- --
Debt: Low Duration 4.66 3.14 1.18 2.84 -0.09 1.07
Rank within category 7 9 10 7 14 8
Number of funds in category 22 22 22 22 22 22

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 30-Apr-2022

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 53 63 44 56
Modified Duration (yrs) 0.50 0.77 0.50 0.60
Average Maturity (yrs) 0.53 0.81 0.53 0.86
Yield to Maturity (%) 4.68 4.68 3.81 4.89
Avg Credit Rating AAA -- -- --

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 6.84% GOI 19/12/2022 GOI Securities SOV 0.00 - 6.29 5.59
equal 8.15% GOI 2022 Central Government Loan SOV 3.89 - 14.37 4.46
equal 7.20% HDFC 13/04/2023 Non Convertible Debenture AAA 0.00 - 4.30 3.57
equal 6.98% National Bank Agr. Rur. Devp 19/09/2022 Debenture AAA 2.10 - 3.18 2.83
up 7.21% HDFC 30/12/2022 Debenture AAA 1.11 - 2.79 2.79
equal Hero FinCorp 365-D 16/06/2022 Commercial Paper A1+ 0.00 - 3.01 2.68
equal Cholamandalam Investment & Finance Company 321-D 16/06/2022 Commercial Paper A1+ 0.00 - 3.01 2.68
new HDFC Bank 17/08/2022 Certificate of Deposit A1+ 0.00 - 2.66 2.66
equal Axis Bank 20/09/2022 Certificate of Deposit A1+ 0.00 - 2.97 2.64
equal SIDBI 333-D 16/12/2022 Commercial Paper A1+ 0.00 - 2.94 2.61
equal HDFC Bank 13/12/2022 Certificate of Deposit A1+ 0.00 - 5.45 2.61
equal Kotak Mahindra Bank 18/01/2023 Certificate of Deposit A1+ 0.00 - 2.93 2.60
equal HDFC Bank 2023 Certificate of Deposit A1+ 0.00 - 2.92 2.59
equal 8.90% Maharashtra State 19/12/2022 State Development Loan SOV 0.00 - 2.40 2.14
equal Infina Finance 365-D 24/08/2022 Commercial Paper A1+ 0.00 - 2.23 1.99
equal ICICI Securities 358-D 15/09/2022 Commercial Paper A1+ 0.00 - 2.23 1.98
equal Network 18 Media & Inv 328-D 15/12/2022 Commercial Paper A1+ 0.00 - 2.20 1.96
equal 5.69% REC 30/09/2023 Non Convertible Debenture AAA 0.00 - 2.20 1.95
new Axis Bank 2023 Certificate of Deposit A1+ 0.00 - 1.94 1.94
down National Bank Agr. Rur. Devp 14/02/2023 Commercial Paper A1+ 0.00 - 2.92 1.94
equal Standard Chartered Invest&Loan 365-D 17/06/2022 Commercial Paper A1+ 0.00 - 1.95 1.74
equal 5.32% National Housing Bank 2023 Non Convertible Debenture AAA 0.00 - 1.59 1.41
equal 6.80% Hindustan Petroleum Corporation 15/12/2022 Debenture AAA 0.00 - 1.57 1.40
equal 6.44% Indian Oil Corporation 14/04/2023 Debenture AAA 0.00 - 1.56 1.39
down 5.04% Indian Railway Finance Corporation 2023 Debenture AAA 0.00 - 2.33 1.38

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 30-Apr-2022

Fund Manager

— Karan Mundra since 01-Mar-2022

Education: Mr. Mundra is a B. COM. and Charted Accountant (CA)

Experience: He is working with DSP Mutual Fund since april 2012, he has Over 9 years of experience.

Funds Managed:

— Sandeep Yadav since 01-Mar-2022

Education: Mr. Yadav is a Computer Engineer (Pune University), PGDBM (IIM Bangalore) and a CFA chartered holder.

Experience: Prior to joining DSP, he has worked with Cognizant Technologies, Hughes Services and Mahindra British Telecom.

Funds Managed:

Invest Online
0.00%

Change from previous, NAV as on 20-May-2022

Growth: ₹ 16.0958

IDCW Weekly: ₹ 10.1037

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IDCW Quarterly: ₹ 10.5598

IDCW Monthly: ₹ 10.4283

IDCW Daily: ₹ 10.1538

Investment Strategy

The scheme seeks to generate returns commensurate with risk from a portfolio constituted of money market securities and/or debt securities.

Investment Details

Min. Investment (₹) 500
Min. Addl Investment (₹) 500
Min. SIP Investment (₹) 500
Min. No of Cheques 12
Min. Withdrawal (₹) 500
Min. Balance (₹) 500
Lock-in Period Not Applicable
Exit Load 0

Basic Details

Fund House: DSP Mutual Fund
Launch Date: 10-Mar-2015
Return Since Launch: 6.84%
Benchmark: NIFTY Low Duration Debt Index B-I
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 3,717 Cr (As on 30-Apr-2022)
Expense: 0.63% (As on 30-Apr-2022)
Risk Grade: Average
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily01-May-20220.0036

 28-Apr-20220.0007
 27-Apr-20220.0003
 26-Apr-20220.0011
 25-Apr-20220.0009
 24-Apr-20220.0036
 21-Apr-20220.0004
 20-Apr-20220.0013
 19-Apr-20220.0030
 18-Apr-20220.0005
 06-Apr-20220.0022
 05-Apr-20220.0006
 04-Apr-20220.0011
 03-Apr-20220.0047
 30-Mar-20220.0037
 29-Mar-20220.0022
 28-Mar-20220.0016
 27-Mar-20220.0035
 24-Mar-20220.0016
 23-Mar-20220.0027
 22-Mar-20220.0008
 20-Mar-20220.0058
 16-Mar-20220.0018
 15-Mar-20220.0034
 14-Mar-20220.0042
IDCW Monthly28-Apr-20220.0262

 28-Mar-20220.0337
 28-Feb-20220.0282
 28-Jan-20220.0331
 28-Dec-20210.0250
 26-Nov-20210.0287
 28-Oct-20210.0179
 28-Sep-20210.0185
 27-Aug-20210.0370
 28-Jul-20210.0451
 28-Jun-20210.0240
 28-May-20210.0253
 28-Apr-20210.0468
 26-Mar-20210.0370
 26-Feb-20210.0231
 28-Jan-20210.0053
 28-Dec-20200.0198
 27-Nov-20200.0470
 28-Oct-20200.0645
 28-Sep-20200.0275
 28-Aug-20200.0279
 28-Jul-20200.0477
 26-Jun-20200.0865
 28-May-20200.1440
 28-Apr-20200.0478
IDCW Weekly27-Apr-20220.0062

 20-Apr-20220.0048
 06-Apr-20220.0086
 30-Mar-20220.0126
 23-Mar-20220.0092
 16-Mar-20220.0158
 09-Mar-20220.0047
 02-Mar-20220.0008
 23-Feb-20220.0053
 16-Feb-20220.0118
 09-Feb-20220.0117
 26-Jan-20220.0047
 19-Jan-20220.0060
 12-Jan-20220.0097
 05-Jan-20220.0097
 29-Dec-20210.0091
 22-Dec-20210.0032
 15-Dec-20210.0030
 08-Dec-20210.0078
 01-Dec-20210.0086
 24-Nov-20210.0028
 17-Nov-20210.0063
 10-Nov-20210.0052
 07-Nov-20210.0106
 20-Oct-20210.0050
IDCW Quarterly28-Mar-20220.0917

 28-Dec-20210.0689
 28-Sep-20210.1072
 28-Jun-20210.0964
 26-Mar-20210.0423
 28-Dec-20200.1278
 28-Sep-20200.1044
 26-Jun-20200.2456
 27-Mar-20200.0063
 27-Dec-20190.1240
 27-Sep-20190.3198
 28-Mar-20190.1408
 28-Dec-20180.1461
 30-Sep-20180.1104
 28-Jun-20180.0775
 28-Mar-20180.1100
 28-Dec-20170.0844
 28-Sep-20170.1176
 28-Jun-20170.1221
 27-Mar-20170.1041
 28-Dec-20160.1289
 28-Sep-20160.1491
 28-Jun-20160.1579
 28-Mar-20160.2599
 28-Sep-20150.3494

Contact Information

AMC: DSP Investment Managers Pvt. Ltd.

Address: NATRAJ, Office No. 302-3rd Floor-Plot No. 194, MV Road Junction Western Express Highway, Andheri East Mumbai - 400069

Phone: 1800-208-4499 / 1800-200-4499

Fax: 022-56578181

Website: https://www.dspim.com/

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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