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DSP Liquidity Fund - Regular Plan download report

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Debt: Liquid

Analysts' Choiceunlock it

1 Lakh

Investment Grown to
₹ 1.03 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.22 Lakh

Suitability:

"Liquid funds invest in bonds having maturity of up to three months. They are suitable to park the amount you have set aside to meet any emergency needs or any surplus money that you don't need for a few weeks up to a year. You can expect to earn better returns than what you would get from a bank account.

The risk of incurring a loss in these funds is negligible but they do not guarantee returns or safety of capital. Though rare, there have been few instances when liquid funds have incurred losses.

Remember, these funds are geared to deliver only marginally higher returns than your bank account. They deliver steady, but low returns and are not suitable to build wealth in the long run."

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 Liquidity Reg-G 1.30 0.01 0.08 0.27 0.85 1.73 3.39 4.15 5.33 5.96 6.89
CCIL T Bill Liquidity Weight 0.55 0.03 0.00 -0.04 0.32 0.83 1.91 2.81 3.35 3.75 4.29
Debt: Liquid 1.27 0.02 0.08 0.27 0.83 1.70 3.34 4.07 5.25 5.88 6.83
Rank within category 14 23 13 22 13 11 19 19 17 19 18
Number of funds in category 38 38 38 38 38 38 38 37 33 32 31

As on 16-May-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
DSP Liquidity Fund - Regular Plan  | Invest Online
3 star
 Nov-05 3.39 4.15 5.33 0.21% 9,202
UTI Liquid Cash Fund - Regular Plan  | Invest Online
4 star
 Dec-03 3.41 4.19 5.38 0.24% 30,885
Axis Liquid Fund
4 star
 Oct-09 3.43 4.23 5.41 0.23% 28,934
Baroda BNP Paribas Liquid Fund
4 star
 Feb-09 3.45 4.20 5.39 0.26% 6,968
Mirae Asset Cash Management Fund  | Invest Online
4 star
 Jan-09 3.42 4.19 5.37 0.27% 3,378

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 0.51 24-Mar-2020 - 31-Mar-2020 -0.14 17-Mar-2020 - 24-Mar-2020
Month 0.92 08-Aug-2013 - 09-Sep-2013 0.20 23-Feb-2020 - 24-Mar-2020
Quarter 2.62 25-Jul-2013 - 24-Oct-2013 0.72 23-Oct-2020 - 22-Jan-2021
Year 9.87 12-Aug-2011 - 13-Aug-2012 3.15 28-Oct-2020 - 28-Oct-2021

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
DSP Liquidity Reg-G 4.14 0.39 1.57 8.78 0.96 1.26
CCIL T Bill Liquidity Weight 2.86 0.36 -1.85 -5.13 -- --
Debt: Liquid 4.02 0.37 1.27 6.61 0.86 1.07
Rank within category 19 26 23 12 28 17
Number of funds in category 39 39 39 39 39 39

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 51 51 28 47
Modified Duration (yrs) 0.10 0.11 0.04 --
Average Maturity (yrs) 0.11 0.15 0.05 --
Yield to Maturity (%) 3.93 3.93 3.27 --
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
new Kotak Mahindra Prime 8-D 06/05/2022 Commercial Paper A1+ 0.00 - 6.52 6.52
equal Reserve Bank of India 91-D 09/06/2022 Treasury Bills SOV 0.00 - 6.90 6.44
equal Reserve Bank of India 91-D 23/06/2022 Treasury Bills SOV 0.00 - 5.79 5.40
new HDFC Bank 29/06/2022 Certificate of Deposit A1+ 0.00 - 4.59 4.59
equal Reliance Retail Ventures 91-D 10/06/2022 Commercial Paper A1+ 0.00 - 4.64 4.33
new Tata Steel 91-D 28/06/2022 Commercial Paper A1+ 0.00 - 4.32 4.32
equal Reserve Bank of India 91-D 05/05/2022 Treasury Bills SOV 0.00 - 3.49 3.26
new LIC Housing Fin. 135-D 11/05/2022 Commercial Paper A1+ 0.00 - 3.26 3.26
equal HDFC 91-D 23/06/2022 Commercial Paper A1+ 0.00 - 3.47 3.24
new ICICI Securities 91-D 15/06/2022 Commercial Paper A1+ 0.00 - 2.70 2.70
equal National Bank Agr. Rur. Devp 90-D 25/05/2022 Commercial Paper A1+ 0.00 - 2.32 2.17
equal National Bank Agr. Rur. Devp 88-D 03/06/2022 Commercial Paper A1+ 0.00 - 2.32 2.17
equal ICICI Securities 91-D 17/05/2022 Commercial Paper A1+ 0.00 - 2.32 2.17
equal Reliance Retail Ventures 91-D 30/05/2022 Commercial Paper A1+ 0.00 - 2.32 2.17
equal Bank of Baroda 2022 Certificate of Deposit A1+ 0.00 - 2.33 2.17
new Indian Bank 29/06/2022 Certificate of Deposit A1+ 0.00 - 2.16 2.16
new HDFC Bank 25/07/2022 Certificate of Deposit A1+ 0.00 - 2.15 2.15
equal Tata Realty and Infrastructure 90-D 25/05/2022 Commercial Paper A1+ 0.00 - 1.74 1.63
new Julius Baer Capital 49-D 15/06/2022 Commercial Paper A1+ 0.00 - 1.62 1.62
equal Dalmia Cement (Bharat) Ltd 75-D 31/05/2022 Commercial Paper A1+ 0.00 - 1.74 1.62
equal Dalmia Cement (Bharat) Ltd 76-D 30/05/2022 Commercial Paper A1+ 0.00 - 1.74 1.62
new 7.42% LIC Housing Fin. 15/07/2022 Bonds/NCDs AAA 0.00 - 1.27 1.27
equal Can Fin Homes 229-D 02/05/2022 Commercial Paper A1+ 0.00 - 1.16 1.09
new Axis Bank 17/06/2022 Certificate of Deposit A1+ 0.00 - 1.08 1.08
new Hindustan Petroleum Corporation 82-D 28/06/2022 Commercial Paper A1+ 0.00 - 1.08 1.08

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

*As on 31-Mar-2022

Fund Manager

— Karan Mundra since 01-May-2021

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:

— Kedar Karnik since 18-Jul-2016

Education: Mr. Karnik is a BE and has done his Masters in Management Studies from Jamnalal Bajaj Institute of Management Studies.

Experience: Prior to joining DSP Mutual Fund he was associated with Axis Asset Management. He has also worked with HSBC and CRISIL Ltd..

Funds Managed:

Invest Online
0.01%

Change from previous, NAV as on 16-May-2022

Growth: ₹ 3,030.5669

IDCW Weekly: ₹ 1,001.3466

IDCW Daily: ₹ 1,000.9329

Investment Strategy

The fund seeks to generate reasonable return commensurate with low risk and high degree of liquidity from a portfolio of money market and high quality 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 Exit load of 0.0070% if redeemed within 1 day
0.0065% if redeemed within 2 days
0.0060% if redeemed within 3 days
0.0055% if redeemed within 4 days
0.0050% if redeemed within 5 days
0.0045% if redeemed within 6 days.

Basic Details

Fund House: DSP Mutual Fund
Launch Date: 23-Nov-2005
Return Since Launch: 6.96%
Benchmark: CRISIL Liquid Fund BI Index
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 9,202 Cr (As on 30-Apr-2022)
Expense: 0.21% (As on 31-Mar-2022)
Risk Grade: --
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily12-May-20220.0921

 11-May-20220.1260
 10-May-20220.1157
 09-May-20220.1146
 08-May-20220.0865
 07-May-20220.0089
 02-May-20220.1084
 01-May-20220.1363
 30-Apr-20220.2137
 28-Apr-20220.0435
 27-Apr-20220.0838
 26-Apr-20220.0880
 25-Apr-20220.0691
 24-Apr-20220.1031
 23-Apr-20220.2001
 21-Apr-20220.0575
 20-Apr-20220.1112
 19-Apr-20220.1172
 18-Apr-20220.1349
 17-Apr-20220.0995
 16-Apr-20220.3975
 12-Apr-20220.0825
 11-Apr-20220.1078
 10-Apr-20220.1112
 09-Apr-20220.1985
IDCW Weekly11-May-20220.7860

 04-May-20220.1678
 27-Apr-20220.6022
 20-Apr-20220.4632
 16-Apr-20220.9022
 06-Apr-20220.7979
 30-Mar-20220.7874
 23-Mar-20220.6743
 16-Mar-20220.7901
 09-Mar-20220.6574
 02-Mar-20220.6316
 23-Feb-20220.6729
 16-Feb-20220.7233
 09-Feb-20220.7640
 02-Feb-20220.6152
 26-Jan-20220.6505
 19-Jan-20220.4987
 12-Jan-20220.6826
 05-Jan-20220.7526
 29-Dec-20210.7502
 22-Dec-20210.6352
 15-Dec-20210.6181
 08-Dec-20210.6531
 01-Dec-20210.6384
 24-Nov-20210.6572

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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