DSP Liquidity Fund Direct Growth

DSP Liquidity Fund Direct Growth

NAV as on 30-03-2025

₹ 3707.57

Inception Returns

6.9%

/yr

Historical NAV & Returns

Absolute

zero opening, trading, fund transfer fee
1483 people have invested ₹ 3.3Cr in DSP Liquidity Fund Direct Growth in the last three months

About DSP Liquidity Fund Direct Growth

DSP Liquidity Fund Direct Growth is a debt fund. This fund was started on 1 January, 2013. The fund is managed by Karan Mundhra. This fund is suitable to keep your money safe.

Key Parameters

  1. DSP Liquidity Fund Direct Growth has ₹21543 Cr worth of assets under management (AUM) as on Dec 1969 and is more than category average.
  2. The fund has an expense ratio 0.1.

Returns

DSP Liquidity Fund Direct Growth has given a CAGR return of 6.87% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 7.45%, 6.81% and 5.48% respectively.

Holdings

DSP Liquidity Fund Direct Growth has allocated its funds majorly in Cash Equivalent, Communication, Health, Corporate, Government. Its top holdings are 91 DTB 10042025, Canara Bank, Union Bank of India, Punjab National Bank, Bank Of Baroda

Taxation

As it is a liquid mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

Investment objective of DSP Liquidity Fund Direct Growth

An Open Ended Income (Liquid) Scheme, seeking 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. There is no assurance that the investment objective of the Scheme will be realized.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 100.00 and for SIP is INR 100.00. DSP Liquidity Fund Direct Growth has no lock in period.

DSP Liquidity Fund Direct Growth Overview

Expense ratio0.1%
Benchmark
CRISIL Liquid Fund TR INR
AUM₹21543 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹100/₹100
Exit Load
0.0%
Lock InNo Lock-in
TurnOver
556.9%
STCGSelling mutual fund within 36 months, gains taxed at slab rates.
LTCGHolding over 3 years, gains taxed at slab rates without indexation.
Risk
Risk meter
pointer
Low to Moderate Risk

Trailing Returns

as on (30-Mar-25)

Period
DSP Liquidity Fund Direct Growth
Liquid Index
1M
0.7%
0.5%
3M
1.9%
1.5%
6M
3.6%
2.9%
1Y
7.4%
6.6%
3Y
6.8%
6.3%
5Y
5.5%
5.1%

Fund Distribution

as on (31-Dec-69)

  • Debt & Cash 99.8%

AAA
100%

Sector Allocation

Feb'25

Jan'25

Dec'24

Cash Equivalent
70.1%
Corporate
29.9%
All changes are between Oct'69 and Dec'69
Parameters
Feb'25
Jan'25
Dec'24
AUM
₹ 22.4K Cr
₹ 21.9K Cr
₹ 17K Cr
  • AUM of the fund stands at 22.4K Cr as of Feb'25
  • AUM increased by 459.6 Cr between Feb'25 and Jan'25
Top Stocks bought last month
LIC Housing Finance Ltd's allocation increased from 0.14% to 0.59%
LIC Housing Finance Ltd's allocation increased from 0.14% to 0.59%
Cholamandalam Investment And Finance Company Limited's allocation increased from 0.43% to 0.48%
Cholamandalam Investment And Finance Company Limited's allocation increased from 0.43% to 0.48%
Top Stocks sold last month
National Bank For Agriculture And Rural Development's allocation decreased from 5.26 % to 1.4 %
National Bank For Agriculture And Rural Development's allocation decreased from 5.26 % to 1.4 %
Sundaram Finance Limited's allocation decreased from 5.26 % to 0.73 %
Sundaram Finance Limited's allocation decreased from 5.26 % to 0.73 %
AU Small Finance Bank Ltd.'s allocation decreased from 0.72 % to 0.45 %
AU Small Finance Bank Ltd.'s allocation decreased from 0.72 % to 0.45 %
Cash allocation has gone up from 99.8% to 99.8%
Cash allocation has gone up from 99.8% to 99.8%

Top 3 Sectors in February were Communication, Health & Corporate

Feb'25
Communication
58%
Health
42%
Corporate
30%
Jan'25
Communication
58%
Health
42%
Corporate
22%
  • Debt & Cash

Holdings
Weight%
1M Change
91 DTB 10042025
91 DTB 10042025
2.89%
4.2%
Canara Bank
Canara Bank
2.86%
100%
Union Bank of India
Union Bank of India
2.51%
100%
Punjab National Bank
Punjab National Bank
2.43%
0%
National Bank For Agriculture And Rural Development
National Bank For Agriculture And Rural Development
2.3%
0%
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Karan Mundhra
Karan Mundhra
Fund Manager of DSP Liquidity Fund Direct Growth, since 31 May 2021
Fund House
DSP Asset Managers Private Limited
Total Schemes
Total AUM
₹1.28L Cr
as on 30-Sep-2023
Address
India
Phone
91-22-66578000
Website
service@dspblackrock.com

Mutual Fund Insights

Insights icon
In the last 3 years, Aditya Birla Sun Life Liquid Direct Plan Growth has given 6.86% return, outperforming this fund by 0.05% per annum.
Insights icon
In the last 5 years, Quant Liquid Plan Growth Option Direct Plan has given 5.84% return, outperforming this fund by 0.36% per annum.
Insights icon
This fund has one of the lowest expense ratio in the category (liquid). Its expense ratio is 0.1% which is lower than the category average expense ratio of 0.26%.
Insights icon
Over the last 1 year, this fund has decreased expense ratio by 33.3% moving from 0.15 to 0.10.
Insights icon
In the last 1 year, Sundaram Liquid Fund -Direct Plan - Growth Option has given 7.48% return, outperforming this fund by 0.03%.
Insights icon
Over the last 1 month, this fund has experienced a 15.5% drop in AUM moving from 25.50K Cr to 21.54K Cr.

DSP Liquidity Fund Direct Growth Highlights

Risk meter
pointer

Low to Moderate Risk

Investors understand that their principal will be at Low to Moderate Risk
About the fund

About the fund

This fund has delivered an average annual returns of 6.87% since inception which is more than its category average return of 4.99%
AUM size ₹21543 Cr

AUM size ₹21543 Cr

This fund has AUM of ₹21543 Cr which is more than its category average of ₹ 15212 Cr
Expense Ratio 0.1%

Expense Ratio 0.1%

This fund has an expense ratio of 0.1% which is less than its category average expense ratio of 0.23%

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Frequently Asked Questions for DSP Liquidity Fund Direct Growth

The current NAV of DSP Liquidity Fund Direct Growth is ₹3707.57 as on 30-Mar-2025.
Existing (Absolute + CAGR) as on 30-Mar-2025.
DSP Liquidity Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
0.66%
0.66%
6 Month Returns
3.63%
3.63%
1 Year Returns
7.44%
7.45%
3 Years Returns
21.87%
6.81%
5 Years Returns
30.58%
5.48%
With INDmoney, the process of investing is very simple and involves zero commission.
  • Click Buy on the fund name.
  • Input the amount you are looking to invest.
  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.
0.1% as on March 2025
₹21543 Cr as on March 2025
91 DTB 10042025(2.89%), Canara Bank(2.86%), Union Bank of India(2.51%), Punjab National Bank(2.43%), Bank Of Baroda(2.3%) as on March 2025
Cash Equivalent(71.28%), Corporate(26.84%), Government(1.88%) as on March 2025
Yield to Maturity is 0.12 as on March 2025. Yield to Maturity is the total return earned on your bond investments if you hold the bond investments till maturity & all bonds' proceeds are reinvested in it.
Modified Duration is 0.11 as on March 2025. Modified Duration tells the sensitivity of the price of a bond to a change in interest rate.
AAA
100
Karan Mundhra is the fund manager of DSP Liquidity Fund Direct Growth
The Exit load of DSP Liquidity Fund Direct Growth is 0.01%