Investment Objective and Approach

The investment objective of DSP Low Duration Fund is to seek to generate returns commensurate with risk from a portfolio constituted of money market securities and/or debt securities. There is no assurance that the investment objective of the Scheme will be realized.

DSP Low Duration fund invests in money market and debt securities with portfolio duration of 6-12 months. It invests mostly in sovereign (government) bonds, A1+ rated money market securities and high quality AA & above rated debt securities.

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. Investment in Debt & Money Market instruments such that the Macaulay duration of the portfolio is between 6 months - 12 months.

The fund is suitable for investors seeking:

- Short-term investment horizon (6-12 months)

- Low to moderate risk appetite

- Better returns than savings accounts or short-term FDs

- Capital preservation with modest income generation

Fund Managers

DSP Low Duration Fund is co-managed by two experienced fund managers:

Karan Mundhra: He joined DSP Mutual Funds in April 2012 as part of Fund Administration team. In 2016, he joined the Fixed Income Investment team. He is a Chartered Accountant (ICAI India) and also holds a Bachelor of Commerce Degree. Total asset under management (AUM) managed by Karan Mundhra is ₹44559.5Cr.

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.

Both fund managers bring extensive experience in fixed income securities and credit analysis, ensuring professional management of the fund's portfolio.

About the Fund House (AMC)

DSP Mutual Fund is one of India's established asset management companies with a rich heritage. Key highlights include:

- Incorporation: DSP Mutual Fund AMC was incorporated on 13, May 1996

- Total AUM: AUM size of Rs. 1,98,256 Cr as on 30, Jun 2025

- Number of Schemes: DSP Mutual Fund has total of 499 schemes

- Legacy: DSP Group is a 152-year old financial company. The firms started stockbroking business back in the 1860s.

DSP Mutual Fund, headquartered in Mumbai and founded in 1996, is a well-established asset management company (AMC) in India, managed by DSP Investment Managers Pvt. Ltd. With a legacy tied to the reputable DSP Group, the AMC is known for its research-driven approach and offers a diverse portfolio of mutual funds, including equity, debt, and hybrid options tailored to meet varying investor goals and risk levels.

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

Investment Philosophy: DSP Mutual Fund prioritizes transparency, integrity, and long-term value creation, serving both retail and institutional investors through disciplined and ethical investment practices. We place our investors' interests ahead of our own in every decision. We pay attention to their needs, challenges, and goals, and aim to inspire and educate them with knowledge, insights, and advice so they can feel more confident while planning for about their financial future.

Should I Invest in DSP Low Duration Fund?

DSP Low Duration Fund can be suitable for specific investor profiles and situations:

Ideal for:

- Conservative investors seeking better returns than bank savings accounts

- Short-term investment horizon (6-12 months)

- Emergency fund parking with slightly higher returns

- Portfolio diversification in the debt segment

- Investors comfortable with low to moderate risk

Key Considerations:

Fund Performance:

- The 1-year, 3-year and 5-year returns of this fund were 7.82, 7.12 and 5.73 respectively (as per Bajaj Finserv data)

- It has delivered 7.19% returns since inception (Value Research data)

- DSP Low Duration Fund - Regular Plan - Growth trailing returns over different times are 7.47% (1 year), 6.32% (3 year), 5.69% (5 year)

Investment Details:

- The minimum investment required to start investing in DSP Low Duration Fund - Regular Plan is ₹100 for the lump sum option and ₹100 for the SIP (Systematic Investment Plan) option

- DSP Low Duration Fund - Regular Plan - Growth has an Asset Under Management (AUM) of 5809.42 as on 2025-07-31

Risk Profile: The risk of incurring a loss in these funds is negligible but they do not guarantee returns or safety of capital.

Important Note: However, Value Research suggests that Retail investors can avoid these funds altogether. 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.

FAQs

What is today's NAV of DSP Low Duration Fund?

The NAV changes daily based on market conditions. You can check the current NAV on Allvest platform or the fund house website for real-time updates.

What is the AUM of DSP Low Duration Fund?

DSP Low Duration Fund has an Asset Under Management (AUM) of 5809.42 crores as on July 31, 2025.

What is the expense ratio of DSP Low Duration Fund?

The expense ratio of DSP Low Duration Fund - Direct Plan is 0.30. Regular plan has higher expense ratio due to distribution costs.

What are the returns of DSP Low Duration Fund since inception?

The fund has delivered 7.19% returns since inception. However, past performance doesn't guarantee future returns.

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

The minimum SIP amount is ₹100 for DSP Low Duration Fund.

How do I invest in DSP Low Duration Fund?

You can invest through Allvest platform easily. Simply complete your KYC, select the fund, choose your investment amount and start investing online.

How to start a SIP in DSP Low Duration Fund?

Log into your Allvest account, search for DSP Low Duration Fund, select SIP option, choose amount and frequency, then authorize the auto-debit mandate.

How do I automate an SIP in DSP Low Duration Fund?

After setting up SIP on Allvest, provide bank mandate for auto-debit. The SIP will automatically deduct from your bank account on chosen dates.

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

There is no lock in period in DSP Low Duration Fund. You can redeem anytime through Allvest platform or by placing redemption request with the fund house.