Investment Objective and Approach

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. An open ended liquid scheme.

The fund follows a conservative investment approach, focusing on:

- This fund invests in high quality debt securities. Invested instruments have upto 91-day maturity.

- Easier liquidity (ability to withdraw capital) vs bank FDs. Low credit risk and interest rate risk.

- Can be an alternative to Bank Savings Account.

Key Benefits:

- Suitable to invest 'idle' money or money earmarked for emergencies for a short time.

- Can be a good vehicle to park money temporarily, while you systematically transfer or switch into equity funds over time.

- A relatively low interest rate risk and moderate credit risk.

Who Should Invest:

- Are a relatively new debt market investor. Want to park money for a very short period of time & may need to withdraw suddenly. Have a very low tolerance for risk.

Fund Managers

Current Fund Management Team:

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.

- Managing this fund since August 2024. Total work experience of 13 years.

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.

- Managing this fund since August 2024.

Kedar Karnik:

- Managing this fund since May 2021.

- Kedar joins us from Axis Asset Management and has over 10 years of investment experience. He has done his Masters in Management Studies from Jamnalal Bajaj Institute of Management Studies.

About the Fund House (AMC)

DSP Mutual Fund was established in 1996 as a joint venture between the DSP group of India and the US-based Merrill Lynch in 1996. The fund house has undergone several transformations:

- The name of DSP Mutual Fund was changed to DSP BlackRock after Merill Lynch took over in 2008.

- The DSP Group brought out BlackRock its partner in the joint venture in 2018 and changed its name to DSP Mutual Fund.

Current Status:

- As of 31 March 2024, DSP Mutual Fund has 372 schemes and an AuM of 148063.36 Crores.

- Currently, Mr. Kalpen Parekh is the Managing Director & CEO of DSP Mutual Fund.

- The DSP family's involvement in investments dates back to the 1860s when they initiated their journey in the stock-broking business. Subsequently, they entered investment management through a joint venture with Merrill Lynch, establishing DSP Merrill Lynch Asset Management Company, which was registered with SEBI in January 1997.

Should I Invest in DSP Liquidity Fund?

DSP Liquidity Fund is suitable for investors who:

Pros:

- This fund has a consistency rating of which indicates that the fund has generated average returns. However, whatever returns that the fund delivers, it does so with exceptional consistency. You can consider this fund if the predictability of returns is what you are looking for.

- DSP Liquidity Fund - Regular Plan - Growth scheme's ability to deliver returns consistently is in-line with most funds of its category. It's ability to control losses in a falling market is above average.

Performance Metrics:

- AUM: ₹22,245.41 Crores as on 21 Aug 2025

- Returns: The 1-year, 3-year and 5-year returns of this fund were 7.00, 6.97 and 5.57 respectively.

- Expense Ratio: The fund has an expense ratio of 0.22, which is quite reasonable as compared to most other debt mutual fund schemes.

- Minimum Investment: The min. SIP amount to invest in this scheme is ₹100. Minimum SIP Investment is set to ₹100.

Risk Profile:

- This scheme carries Low to Moderate Risk. Though fund may have lower credit & interest rate risk, it also mean that returns of the fund will be lower.

Ideal For:

- Emergency fund parking

- Short-term liquidity requirements

- Conservative investors seeking better returns than savings accounts

- First-time debt fund investors

FAQs

What is today's NAV of DSP Liquidity Fund?

The latest NAV declared is ₹3800.901 as on 21 Aug 2025 at 7:28 am. NAV changes daily based on market conditions.

What is the AUM of DSP Liquidity Fund?

It has an AUM of ₹22,245.41 Crores as on 19 Aug 2025. This indicates substantial investor confidence in the fund.

What is the expense ratio of DSP Liquidity Fund?

The fund has an expense ratio of 0.22 for the regular plan, which is competitive compared to other debt funds.

What are the returns of DSP Liquidity Fund since inception?

DSP Liquidity Direct-Growth scheme return performance in last 1 year is 7.10%, in last 3 years is 22.79% and 131.16% since scheme launch.

What is the minimum SIP amount to invest in DSP Liquidity Fund?

The min. SIP amount to invest in this scheme is ₹100. This makes it accessible for small investors.

How do I invest in DSP Liquidity Fund?

You can invest through Allvest platform online. Simply register, complete KYC, select the fund, choose investment amount and start investing via SIP or lump sum.

How to start a SIP in DSP Liquidity Fund?

Through Allvest, you can set up a SIP by selecting the fund, choosing SIP option, setting monthly amount (minimum ₹100) and selecting your preferred date.

How do I automate an SIP in DSP Liquidity Fund?

Enable auto-debit mandate through Allvest platform. This will automatically deduct the SIP amount from your bank account on the chosen date each month.

How can I withdraw/redeem my investment in DSP Liquidity Fund?

You can redeem anytime through Allvest platform. Being a liquid fund, redemptions are processed quickly, typically within 1-2 business days with minimal exit load.