Debt Liquid Low to Moderate Risk
An open ended income scheme seeking to generate a reasonable return commensurate with low risk and a high degree of liquitity, from a portfolio constituted of money market securities and high quality debt securities.
Expert-managed portfolios tailored to your financial goals.
Estimation is based on the past performance
| Liquid | 1M | 3M | 6M | 9M | 1Y | 2Y | 3Y | 4Y | 5Y | 10Y | ALL |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Fund returns | 0.53% | 1.66% | 3.14% | 4.61% | 6.24% | 6.76% | 6.92% | 6.67% | 6.01% | 6.05% | 6.91% |
| Category returns | 0.52% | 1.61% | 3.07% | 4.52% | 6.12% | 6.66% | 6.82% | 6.59% | 5.94% | 5.97% | N/A |
| Absolute returns | 0.49% | 1.67% | 3.17% | 4.64% | 6.17% | 13.87% | 22.11% | 29.73% | 34.21% | 79.93% | 294.06% |
| Rank within category | 15 | 4 | 3 | 5 | 4 | 4 | 5 | 10 | 10 | 13 | N/A |
| Total Schemes in Category | 42 | 42 | 40 | 39 | 37 | 36 | 35 | 35 | 35 | 29 | N/A |
| Liquid | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Yearly returns | 7.62% | 6.6% | 7.41% | 6.49% | 4.17% | 3.25% | 4.83% | 6.97% | 7.38% | 6.52% | 2.71% |
| Q1 returns | 2% | 1.62% | 1.74% | 1.79% | 1.47% | 0.77% | 0.88% | 1.65% | 1.85% | 1.81% | 1.48% |
| Q2 returns | 1.95% | 1.6% | 1.76% | 1.72% | 1.08% | 0.79% | 0.99% | 1.7% | 1.78% | 1.66% | 1.21% |
| Q3 Returns | 1.79% | 1.62% | 1.82% | 1.52% | 0.8% | 0.79% | 1.28% | 1.7% | 1.79% | 1.43% | N/A |
| Q4 Returns | 1.67% | 1.6% | 1.9% | 1.31% | 0.77% | 0.86% | 1.59% | 1.74% | 1.75% | 1.47% | N/A |
Expense ratio: 0.18%
Inclusive of GST
Exit load
0.007% for Day 1, 0.0065% on Day 2, 0.0060% on Day 3, 0.0055% on Day 4, 0.0050% on Day 5, 0.0045% on Day 6, NIL after 7D
| Alpha | 0.00423439 |
| Beta | 1.0814 |
| Sharpe Ratio | 0.223494 |
| Sortino Ratio | 0.0631888 |
| R-Squared | 0.8632 |
| Tracking Error | 0.0263 |
| Downside Risk | 0 |
| Std. Deviation (Annualised) | 0.2438 |
| Liquid | 1M | 3M | 6M | 9M | 1Y | 3Y | 5Y | 10Y | ALL | Fund Size (Cr) | Expense Ratio | Sharpe | Risk |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bank of India Liquid Fund - Regular Plan - Growth | 0.52% | 1.64% | 3.13% | 4.62% | 6.26% | 6.97% | 6.07% | 6.08% | 6.68% | 1,611.37 | 0.08 | 0.36 | Low to Moderate |
| Axis Liquid Fund - Regular Plan - Growth | 0.53% | 1.66% | 3.15% | 4.63% | 6.25% | 6.95% | 6.05% | 6.12% | 6.98% | 30,187.50 | 0.21 | 0.30 | Moderate |
| Franklin India Liquid Fund - Super Institutional - Growth | 0.53% | 1.62% | 3.11% | 4.6% | 6.23% | 6.93% | 6.03% | 6.13% | 7.1% | 2,122.81 | 0.19 | 0.30 | Low to Moderate |
| Canara Robeco Liquid Fund - Regular Plan - Growth | 0.54% | 1.67% | 3.12% | 4.6% | 6.21% | 6.92% | 6.03% | 5.97% | 6.92% | 4,858.34 | 0.15 | 0.28 | Low to Moderate |
| DSP Liquidity Fund - Regular Plan - Growth Current | 0.53% | 1.66% | 3.14% | 4.61% | 6.24% | 6.92% | 6.01% | 6.05% | 6.91% | 16,866.10 | 0.22 | 0.28 | Low to Moderate |
| Union Liquid Fund - Growth | 0.53% | 1.63% | 3.12% | 4.6% | 6.21% | 6.91% | 6.02% | 5.66% | 6.74% | 5,755.60 | 0.17 | 0.29 | Low to Moderate |
| Invesco India Liquid Fund - Growth | 0.53% | 1.64% | 3.12% | 4.59% | 6.21% | 6.91% | 6.01% | 6.05% | 7.06% | 11,723.20 | 0.22 | 0.27 | Low to Moderate |
| Mahindra Manulife Liquid Fund - Regular Plan - Growth | 0.53% | 1.64% | 3.11% | 4.59% | 6.21% | 6.91% | 6.03% | 0% | 6.08% | 1,012.32 | 0.26 | 0.29 | Moderate |
| Aditya Birla Sun Life Liquid Fund - Growth | 0.53% | 1.65% | 3.13% | 4.6% | 6.21% | 6.91% | 6.02% | 6.1% | 6.96% | 43,022.20 | 0.35 | 0.26 | Moderate |
| UTI Liquid Fund - Regular Plan - Growth | 0.52% | 1.66% | 3.13% | 4.61% | 6.23% | 6.91% | 6.02% | 6.08% | 6.84% | 19,763.20 | 0.26 | 0.27 | Moderate |
| Instrument Allocation | Instrument | Assets % |
|---|---|---|
|
|
Treasury Bills | 14.26% |
| Commercial Paper | 54.40% | |
| Certificate of Deposit | 37.21% | |
| Corporate Debt | 0.57% | |
| Alternative Investment Fund | 0.22% | |
| Cash & Cash Equivalents and Net Assets | -6.65% |
| Sector Allocation | Sector | Assets % |
|---|---|---|
| Others | 100.00% |
| Name | Sector | Instrument | Assets % |
|---|---|---|---|
| 91 DAYS T-BILL 2026 | Treasury Bills | 3.53% | |
| 91 DAYS T-BILL 2026 | Treasury Bills | 3.08% | |
| Small Industries Development Bank of India** | Commercial Paper | 2.43% | |
| Tata Steel Limited** | Commercial Paper | 2.21% | |
| Export-Import Bank of India** | Certificate of Deposit | 2.10% | |
| HDFC Bank Limited** | Certificate of Deposit | 1.77% | |
| National Bank for Agriculture and Rural Development** | Commercial Paper | 1.76% | |
| Bajaj Finance Limited** | Commercial Paper | 1.76% | |
| 91 DAYS T-BILL 2026 | Treasury Bills | 1.66% | |
| Indian Bank** | Certificate of Deposit | 1.63% | |
| Reliance Retail Ventures Limited** | Commercial Paper | 1.54% | |
| Union Bank of India** | Certificate of Deposit | 1.44% | |
| Canara Bank** | Certificate of Deposit | 1.44% | |
| Union Bank of India** | Certificate of Deposit | 1.42% | |
| RBL Bank Limited** | Certificate of Deposit | 1.33% | |
| Union Bank of India** | Certificate of Deposit | 1.33% | |
| Punjab National Bank** | Certificate of Deposit | 1.33% | |
| Reliance Retail Ventures Limited** | Commercial Paper | 1.33% | |
| RBL Bank Limited** | Certificate of Deposit | 1.32% | |
| National Bank for Agriculture and Rural Development | Commercial Paper | 1.32% | |
| Reliance Industries Limited** | Commercial Paper | 1.32% | |
| HDFC Bank Limited** | Certificate of Deposit | 1.32% | |
| 91 DAYS T-BILL 2026 | Treasury Bills | 1.31% | |
| 182 DAYS T-BILL 2026 | Treasury Bills | 1.26% | |
| 364 DAYS T-BILL 2026 | Treasury Bills | 1.22% | |
| Axis Bank Limited | Certificate of Deposit | 1.22% | |
| Titan Company Limited** | Commercial Paper | 1.22% | |
| Union Bank of India** | Certificate of Deposit | 1.22% | |
| Aditya Birla Housing Finance Limited** | Commercial Paper | 1.10% | |
| Angel One Limited** | Commercial Paper | 1.10% | |
| Export-Import Bank of India | Certificate of Deposit | 1.10% | |
| Reliance Retail Ventures Limited** | Commercial Paper | 1.10% | |
| Bajaj Housing Finance Limited** | Commercial Paper | 1.10% | |
| The Federal Bank Limited** | Certificate of Deposit | 1.10% | |
| 91 DAYS T-BILL 2026 | Treasury Bills | 0.91% | |
| National Bank for Agriculture and Rural Development | Commercial Paper | 0.89% | |
| Reliance Retail Ventures Limited** | Commercial Paper | 0.89% | |
| Axis Securities Limited** | Commercial Paper | 0.89% | |
| Tata Housing Development Company Limited** | Commercial Paper | 0.89% | |
| Bank of Baroda** | Certificate of Deposit | 0.88% | |
| Bank of Baroda** | Certificate of Deposit | 0.88% | |
| National Bank for Agriculture and Rural Development | Commercial Paper | 0.88% | |
| HDFC Bank Limited** | Certificate of Deposit | 0.88% | |
| Kotak Securities Limited** | Commercial Paper | 0.88% | |
| Bajaj Finance Limited** | Commercial Paper | 0.88% | |
| HDFC Securities Limited** | Commercial Paper | 0.88% | |
| Kotak Securities Limited** | Commercial Paper | 0.88% | |
| HDFC Bank Limited** | Certificate of Deposit | 0.88% | |
| HDFC Bank Limited** | Certificate of Deposit | 0.88% | |
| ICICI Securities Limited** | Commercial Paper | 0.88% | |
| Kotak Securities Limited** | Commercial Paper | 0.88% | |
| Birla Group Holdings Private Limited** | Commercial Paper | 0.88% | |
| NTPC Limited** | Commercial Paper | 0.88% | |
| Bajaj Finance Limited** | Commercial Paper | 0.88% | |
| Kotak Securities Limited** | Commercial Paper | 0.88% | |
| Reliance Industries Limited** | Commercial Paper | 0.88% | |
| Aditya Birla Capital Limited** | Commercial Paper | 0.88% | |
| Hindustan Petroleum Corporation Limited** | Commercial Paper | 0.88% | |
| Sundaram Finance Limited** | Commercial Paper | 0.88% | |
| PNB Housing Finance Limited** | Commercial Paper | 0.88% | |
| Union Bank of India** | Certificate of Deposit | 0.88% | |
| Tata Capital Limited** | Commercial Paper | 0.88% | |
| Bank of India** | Certificate of Deposit | 0.78% | |
| Canara Bank** | Certificate of Deposit | 0.77% | |
| Aditya Birla Capital Limited** | Commercial Paper | 0.77% | |
| Bharti Telecom Limited** | Commercial Paper | 0.67% | |
| National Bank for Agriculture and Rural Development** | Commercial Paper | 0.67% | |
| HDFC Securities Limited** | Commercial Paper | 0.67% | |
| Bank of India** | Certificate of Deposit | 0.66% | |
| IndusInd Bank Limited** | Certificate of Deposit | 0.66% | |
| SMFG India Credit Company Limited** | Commercial Paper | 0.66% | |
| Export-Import Bank of India | Commercial Paper | 0.66% | |
| The Federal Bank Limited** | Certificate of Deposit | 0.66% | |
| Bank of Baroda | Certificate of Deposit | 0.66% | |
| Godrej Properties Limited** | Commercial Paper | 0.66% | |
| ICICI Securities Limited** | Commercial Paper | 0.66% | |
| Kisetsu Saison Finance (India) Private Limited** | Commercial Paper | 0.66% | |
| Network18 Media & Investments Limited** | Commercial Paper | 0.55% | |
| Aditya Birla Capital Limited | Commercial Paper | 0.55% | |
| Axis Bank Limited | Certificate of Deposit | 0.55% | |
| 182 DAYS T-BILL 2026 | Treasury Bills | 0.46% | |
| 91 DAYS T-BILL 2026 | Treasury Bills | 0.44% | |
| Aditya Birla Money Limited** | Commercial Paper | 0.44% | |
| Infina Finance Private Limited** | Commercial Paper | 0.44% | |
| Aditya Birla Real Estate Limited** | Commercial Paper | 0.44% | |
| Karur Vysya Bank Limited** | Certificate of Deposit | 0.44% | |
| Axis Bank Limited | Certificate of Deposit | 0.44% | |
| Manappuram Finance Limited** | Commercial Paper | 0.44% | |
| Kotak Securities Limited** | Commercial Paper | 0.44% | |
| Jamnagar Utilities & Power Private Limited** | Commercial Paper | 0.44% | |
| Bank of Baroda | Certificate of Deposit | 0.44% | |
| Export-Import Bank of India | Commercial Paper | 0.44% | |
| Bajaj Housing Finance Limited** | Commercial Paper | 0.44% | |
| Can Fin Homes Limited** | Commercial Paper | 0.44% | |
| PNB Housing Finance Limited** | Commercial Paper | 0.44% | |
| Karur Vysya Bank Limited** | Certificate of Deposit | 0.44% | |
| HDFC Bank Limited | Certificate of Deposit | 0.44% | |
| Manappuram Finance Limited** | Commercial Paper | 0.44% | |
| Cholamandalam Investment and Finance Company Limited** | Commercial Paper | 0.44% | |
| IDFC First Bank Limited** | Certificate of Deposit | 0.44% | |
| Small Industries Development Bank of India** | Commercial Paper | 0.44% | |
| Small Industries Development Bank of India** | Commercial Paper | 0.44% | |
| Bank of Baroda** | Certificate of Deposit | 0.44% | |
| Sikka Ports & Terminals Limited** | Commercial Paper | 0.44% | |
| Mirae Asset Financial Services (India) Private Limited** | Commercial Paper | 0.44% | |
| Tvs Credit Services Limited** | Commercial Paper | 0.44% | |
| LIC Housing Finance Limited** | Corporate Debt | 0.36% | |
| Bank of India** | Certificate of Deposit | 0.33% | |
| Canara Bank** | Certificate of Deposit | 0.33% | |
| Canara Bank | Certificate of Deposit | 0.33% | |
| Godrej Industries Limited** | Commercial Paper | 0.33% | |
| Godrej Industries Limited** | Commercial Paper | 0.33% | |
| National Bank for Agriculture and Rural Development | Commercial Paper | 0.22% | |
| Canara Bank** | Certificate of Deposit | 0.22% | |
| Reliance Retail Ventures Limited** | Commercial Paper | 0.22% | |
| Union Bank of India** | Certificate of Deposit | 0.22% | |
| Kotak Mahindra Bank Limited | Certificate of Deposit | 0.22% | |
| CEAT Limited** | Commercial Paper | 0.22% | |
| CEAT Limited** | Commercial Paper | 0.22% | |
| Union Bank of India** | Certificate of Deposit | 0.22% | |
| Bank of Baroda** | Certificate of Deposit | 0.22% | |
| Canara Bank** | Certificate of Deposit | 0.22% | |
| Aditya Birla Money Limited** | Commercial Paper | 0.22% | |
| SBI Funds Management Pvt Ltd/Fund Parent | Alternative Investment Fund | 0.22% | |
| Power Finance Corporation Limited** | Corporate Debt | 0.21% | |
| 364 DAYS T-BILL 2026 | Treasury Bills | 0.18% | |
| Punjab National Bank** | Certificate of Deposit | 0.13% | |
| HDFC Bank Limited** | Certificate of Deposit | 0.11% | |
| IndusInd Bank Limited** | Certificate of Deposit | 0.11% | |
| Canara Bank | Certificate of Deposit | 0.11% | |
| ICICI Securities Limited** | Commercial Paper | 0.11% | |
| Union Bank of India** | Certificate of Deposit | 0.11% | |
| 182 DAYS T-BILL 2026 | Treasury Bills | 0.09% | |
| Axis Bank Limited** | Certificate of Deposit | 0.09% | |
| 364 DAYS T-BILL 2026 | Treasury Bills | 0.07% | |
| Net Receivables/Payables | Cash & Cash Equivalents and Net Assets | 0.06% | |
| 182 DAYS T-BILL 2026 | Treasury Bills | 0.04% | |
| TREPS / Reverse Repo Investments / Corporate Debt Repo | Cash & Cash Equivalents and Net Assets | -6.72% | |
| Total | 100.00% |
From April 01, 2023 onwards: AVP, Fixed Income Investments - DSP Asset Managers Private Limited From Jan 2017 to March 31, 2023 -AVP, Fixed Income Investments - DSP Investment Managers Private Limited From March 2012 – December 2016: Senior Credit Analyst - ICRA Limited.
Kunal has a total work experience of over 8 years. He joined DSP Asset Managers in August 2022 as part of the credit team and then moved into Fixed Income Dealing. He has previously worked with Mirae Asset Investment Managers and Futures First Info Services. He is a Chartered Accountant (ICAI India) and also holds a B.Com Degree (Honors) from SRCC (Delhi University).
RETURNS
It is an Open ended scheme that primarily invests in Liquid.
An open ended income scheme seeking to generate a reasonable return commensurate with low risk and a high degree of liquitity, from a portfolio constituted of money market securities and high quality debt securities.
The scheme benchmark is the CRISIL Liquid Debt Index
It is classified as Low to Moderate Risk, suitable for investors with a Low to Moderate risk appetite.
Returns Delivered by the funds are as follows:
1-year: 6.17%
3-year: 6.88%
5-year: 6.06%
Top holdings include names such as:
The NAV is around ₹3,940.60 (approx.) for the DSP Liquidity Fund - Regular Plan - Growth.
The fund’s AUM is approximately ₹22,480 Cr.
The expense ratio for the Regular Plan is 0.18.
0.007% for Day 1, 0.0065% on Day 2, 0.0060% on Day 3, 0.0055% on Day 4, 0.0050% on Day 5, 0.0045% on Day 6, NIL after 7D.
Minimum SIP starts at ₹100.
The minimum lump sum investment is ₹100. Often platforms may require higher in practice, but the statutory minimum remains the same.
You can start a SIP through:
Broker/agent platform like Sharescart.
Enter KYC details, choose the Regular Growth option, set SIP amount/frequency, and submit.
Yes. You can modify your SIP amount or frequency anytime online through the Sharescart platform.
You can redeem online via the Sharescart platform — choose the scheme, select the amount/units, and submit. Proceeds are credited to your bank account.
The fund managers: Karan Mundhra, Shalini Vasanta, Kunal Khudania
This fund is suitable for investors with a Low to Moderate risk tolerance.
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