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DSP Liquidity Fund - Regular Plan

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Debt: Liquid

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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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(₹)
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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
Fund 2.95 0.01 0.07 0.30 0.80 1.63 3.20 4.74 5.62 6.30 7.20
CCIL T Bill Liquidity Weight 1.85 0.02 0.06 0.18 0.45 1.07 1.97 3.22 3.54 3.99 4.48
Debt: Liquid 2.90 0.01 0.07 0.29 0.79 1.60 3.15 4.63 5.49 6.19 7.10
Rank within category 21 14 24 20 21 26 19 22 21 21 20
Number of funds in category 41 42 42 42 42 42 41 38 35 34 33

As on 30-Nov-2021

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 3.20 4.74 5.62 0.25% 8,045
ICICI Prudential Liquid Fund  | Invest Now
4 star
 Nov-05 3.17 4.81 5.66 0.32% 35,561
Aditya Birla Sun Life Liquid Fund  | Invest Online
4 star
 Mar-04 3.20 4.85 5.70 0.32% 29,710
UTI Liquid Cash Fund - Regular Plan  | Invest Online
4 star
 Dec-03 3.23 4.80 5.67 0.23% 25,609
Axis Liquid Fund
4 star
 Oct-09 3.23 4.84 5.71 0.26% 22,877

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
Fund 4.75 0.50 1.77 8.72 1.08 1.55
CCIL T Bill Liquidity Weight 3.25 0.40 -1.53 -4.22 -- --
Debt: Liquid 4.64 0.48 1.58 8.45 0.99 1.38
Rank within category 21 27 23 16 30 19
Number of funds in category 38 38 38 38 38 38

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

As on 31-Oct-2021

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 37 54 34 35
Modified Duration (yrs) 0.06 0.12 0.04 --
Average Maturity (yrs) 0.10 0.15 0.05 --
Yield to Maturity (%) 3.62 3.62 2.89 --
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 Reserve Bank of India 91-D 23/12/2021 Treasury Bills SOV 0.00 - 7.60 7.42
down Reserve Bank of India 182-D 04/11/2021 Treasury Bills SOV 0.00 - 4.84 3.17
equal 6.99% HDFC 25/11/2021 Non Convertible Debenture AAA 0.00 - 2.99 2.92
equal Reliance Retail Ventures 89-D 03/11/2021 Commercial Paper A1+ 0.00 - 2.55 2.49
equal Reliance Industries 91-D 07/12/2021 Commercial Paper A1+ 0.00 - 2.54 2.48
equal Reliance Retail Ventures 91-D 01/12/2021 Commercial Paper A1+ 0.00 - 2.54 2.48
equal Reliance Jio Infocomm 92-D 06/12/2021 Commercial Paper A1+ 0.00 - 2.54 2.48
equal Reliance Jio Infocomm 91-D 10/11/2021 Commercial Paper A1+ 0.00 - 2.54 2.48
equal Reliance Retail Ventures 85-D 30/11/2021 Commercial Paper A1+ 0.00 - 2.54 2.48
new Reliance Jio Infocomm 91-D 13/01/2022 Commercial Paper A1+ 0.00 - 2.47 2.47
new Reliance Industries 91-D 11/01/2022 Commercial Paper A1+ 0.00 - 2.47 2.47
equal ICICI Home Finance Company 90-D 18/11/2021 Commercial Paper A1+ 0.00 - 1.91 1.86
equal Kotak Securities 77-D 10/12/2021 Commercial Paper A1+ 0.00 - 1.90 1.86
equal HDFC Securities 91-D 14/12/2021 Commercial Paper A1+ 0.00 - 1.90 1.85
equal Chennai Petroleum Corporation 91-D 17/12/2021 Commercial Paper A1+ 0.00 - 1.84 1.79
equal Chennai Petroleum Corporation 79-D 18/11/2021 Commercial Paper A1+ 0.00 - 1.59 1.55
equal 6.22% HDFC 2021 Debenture AAA 0.00 - 1.35 1.31
equal Bajaj Financial Securities 91-D 20/12/2021 Commercial Paper A1+ 0.00 - 1.27 1.24
equal Chennai Petroleum Corporation 91-D 03/12/2021 Commercial Paper A1+ 0.00 - 1.27 1.24
equal Shree Cement 60-D 23/11/2021 Commercial Paper A1+ 0.00 - 1.27 1.24
equal Muthoot Finance 90-D 21/12/2021 Commercial Paper A1+ 0.00 - 1.27 1.24
equal Dalmia Cement (Bharat) Ltd 90-D 21/12/2021 Commercial Paper A1+ 0.00 - 1.27 1.24
equal Julius Baer Capital 91-D 24/12/2021 Commercial Paper A1+ 0.00 - 1.27 1.24
equal HDFC Securities 91-D 21/12/2021 Commercial Paper A1+ 0.00 - 1.27 1.24
new National Bank Agr. Rur. Devp 89-D 25/01/2022 Commercial Paper A1+ 0.00 - 1.23 1.23

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 31-Oct-2021

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 30-Nov-2021

Growth: ₹ 2,982.8091

IDCW Weekly: ₹ 1,001.3527

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

Minimum Investment (₹) 500
Minimum Addl Investment (₹) 500
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum 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: 7.06%
Benchmark: CRISIL Liquid Fund Index
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 8,045 Cr (As on 31-Oct-2021)
Expense: 0.25% (As on 31-Oct-2021)
Risk Grade: --
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily29-Nov-20210.1005

 28-Nov-20210.0907
 27-Nov-20210.1796
 25-Nov-20210.0880
 24-Nov-20210.0994
 23-Nov-20210.1165
 22-Nov-20210.0937
 21-Nov-20210.0724
 20-Nov-20210.2756
 17-Nov-20210.0948
 16-Nov-20210.0948
 15-Nov-20210.0866
 14-Nov-20210.0924
 13-Nov-20210.1765
 11-Nov-20210.0980
 10-Nov-20210.1007
 09-Nov-20210.0997
 08-Nov-20210.1123
 07-Nov-20210.1731
 06-Nov-20210.3996
 02-Nov-20210.1309
 01-Nov-20210.1007
 31-Oct-20210.0780
 30-Oct-20210.1857
 28-Oct-20210.0994
IDCW Weekly24-Nov-20210.6572

 17-Nov-20210.6435
 10-Nov-20210.4860
 06-Nov-20210.9933
 27-Oct-20210.4494
 20-Oct-20210.4912
 13-Oct-20210.7430
 06-Oct-20210.6876
 29-Sep-20210.4676
 22-Sep-20210.5599
 15-Sep-20210.5803
 08-Sep-20210.5597
 01-Sep-20210.6048
 25-Aug-20210.6087
 18-Aug-20210.6256
 11-Aug-20210.6846
 04-Aug-20210.6074
 28-Jul-20210.6282
 21-Jul-20210.6311
 14-Jul-20210.6443
 07-Jul-20210.5681
 30-Jun-20210.6714
 23-Jun-20210.7111
 16-Jun-20210.5149
 09-Jun-20210.6311

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: 022-66178000

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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