DSP Liquidity Direct-Growth

Q: What are the returns of DSP Liquidity Fund?

The DSP Liquidity Fund is a 12 yrs 5 m old fund and has delivered average annual returns of 6.86% since inception. DSP Liquidity Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.33% 7.01% 5.56% 6.33% 6.86%

NAV as of Jun 05, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹3754.443+0.02% 1 day change	6.86% p.a.	#NA View Ranked Funds	₹17,017 Crs

Historical NAV & returns

NAV: ₹3754.443 as on Jun 05, 2025

This fund Category average

DSP Liquidity Fund overview

Expense ratio	0.1% as on May 31, 2025
Exit load	0.007% 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.!
AUM (Fund size)	₹17,017 Crs
Lock-in	No Lockin
Age	12 yrs 5 m since Jan 01, 2013
Benchmark	CRISIL Liquid Debt A-I Index
Min. investment	Lump. ₹1000
Risk	Low to Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

DSP Liquidity Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Jun 06, 2025

Period	This fund	Category average
1 Month	0.55%	0.54%
3 Months	1.82%	1.8%
6 Months	3.59%	3.56%
1 Year	7.33%	7.24%
2 Years	7.34%	7.27%
3 Years	7.01%	6.95%
4 Years	6.14%	6.09%
5 Years	5.56%	5.53%
7 Years	5.88%	5.83%
10 Years	6.33%	6.28%

Asset allocationas on Dec 31, 2024

Large Cap 0.0%

Mid Cap 0.0%

Small Cap 0.0%

Other Cap 0.0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

A1+ 88.74%

SOV 18.41%

AAA 3.72%

Others 0.18%

Top Debt Holdings

Reserve Bank of India 17.37%

HDFC Bank Ltd. 9.22%

Bank Of Baroda 7.01%

Union Bank of India 6.69%

Allocation by Instruments

Certificate of Deposit 49.57999999999999%

Commercial Paper 38.13999999999998%

Treasury Bills 17.37%

Non Convertible Debenture 2.0%

Other Holdings

Others 1.29%

Peer comparison

Fund name	ETM Rank	AUM (in Crs.)	Fund age	Expense ratio
DSP Liquidity Fund	N.A.	₹17,017 Crs	12 yrs 5 m	0.1%
Mirae Asset Liquid Fund	N.A.	₹12,485 Crs	12 yrs 5 m	0.09%
Sundaram Liquid Fund	N.A.	₹5,946 Crs	12 yrs 5 m	0.13%
Navi Liquid Fund	N.A.	₹74 Crs	12 yrs 5 m	0.15%
JM Liquid Fund	N.A.	₹2,680 Crs	12 yrs 5 m	0.16%
Mahindra Manulife Liquid Fund	N.A.	₹1,314 Crs	8 yrs 11 m	0.14%

Fund name	1M	6M	1Y	3Y	5Y	10Y
DSP Liquidity Fund	0.55%	3.59%	7.33%	7.01%	5.56%	6.33%
Mirae Asset Liquid Fund	0.55%	3.59%	7.31%	7.02%	5.59%	6.29%
Sundaram Liquid Fund	0.55%	3.63%	7.35%	7.03%	5.6%	6.24%
Navi Liquid Fund	0.51%	3.3%	6.85%	6.66%	5.39%	6.22%
JM Liquid Fund	0.54%	3.53%	7.2%	6.95%	5.53%	6.33%
Mahindra Manulife Liquid Fund	0.55%	3.59%	7.32%	7.05%	5.63%	5.51%

Fund name	Std. deviation	Beta	Sharpe	Sortino
DSP Liquidity Fund	0.22	0.48	2.23	2.3
Mirae Asset Liquid Fund	0.23	0.48	2.19	2.33
Sundaram Liquid Fund	0.23	0.47	2.29	2.42
Navi Liquid Fund	0.18	0.34	0.91	1.02
JM Liquid Fund	0.21	0.44	2.11	2.06
Mahindra Manulife Liquid Fund	0.21	0.45	2.49	2.5

View all Liquid funds

Key risk & return ratios Compared to other funds in the category

Alpha	1.41 vs. 2.87 Underperformed at beating benchmark
Sharpe	2.23 vs. 2.98 Poor risk-adjusted returns
Beta	0.48 vs. 1.06 Less sensitive to market ups & downs
Standard deviation	0.22 vs. 0.21 More volatile performance

Compare DSP Liquidity Fund in detail with

About this fund

About DSP Liquidity Fund

DSP Liquidity Direct-Growth is a Liquid mutual fund scheme from Dsp Mutual Fund. This fund has been in existence for 12 yrs 5 m, having been launched on 01/01/2013. DSP Liquidity Direct-Growth has ₹17,017 Crores worth of assets under management (AUM) as on 31/03/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of DSP Liquidity Direct-Growth as of 05/06/2025 is ₹3754.44. The fund has an expense ratio of 0.1%, which is close to what most other Liquid funds charge.

DSP Liquidity Direct-Growth returns of last 1-year are 7.36%. Since launch, it has delivered 6.87% average annual returns. The fund has doubled the money invested in it every 11 yrs.
DSP Liquidity Direct-Growth scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is average.
The fund's credit profile is very high indicating it has lent to borrowers whose quality is excellent. Most funds in this category lend to similar borrowers and hence the risk of default in this fund is same as the category.
The fund's top holdings are in Reserve Bank of India, HDFC Bank Ltd., Bank Of Baroda, Union Bank of India, Punjab National Bank.

...

Fund AUM	₹17,017 Crs as on Mar 31, 2025
Scheme document	View Scheme Document

Fund managers

Karan Mundhra

Mr. Mundra is a B. COM. and Charted Accountant (CA) He is working with DSP Mutual Fund since april 2012, he has Over 9 years of experience.

Shalini Vasanta

Mr. Vasanta has done BA and MBA (Finance) Prior to joining DSP Mutual Fund, he has worked with ICRA as Senior Analyst

Investment objective

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.

DSP Mutual Fund details

No. of schemes	50 view all schemes
Total AUM	₹1,87,436 Crs as on Mar 31, 2025
Address	NATRAJ, Office No. 302-3rd Floor-Plot No. 194, MV Road Junction Western Express Highway, Andheri East Mumbai, 400069
Phone	1800-208-4499 / 1800-200-4499

More funds from DSP Mutual Fund

Fund name	ETM Rank	AUM (in Crs.)	1Y	3Y
DSP Income Plus Arbitrage FoF	N.A.	₹436 Crs	9.9%	10.33%
DSP Gilt Fund	N.A.	₹1,782 Crs	11.49%	9.47%
DSP 10Y G-Sec Fund	N.A.	₹57 Crs	11.63%	9.45%
DSP Strategic Bond Fund	N.A.	₹1,893 Crs	11.38%	9.18%
DSP Nifty SDL Plus G-Sec Jun 2028 30:70 Index Fund	N.A.	₹2,204 Crs	10.26%	8.62%
DSP Floater Fund	N.A.	₹618 Crs	10.53%	8.59%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of DSP Liquidity Fund?

The current Net Asset Value (NAV) of the DSP Liquidity Fund - Direct Growth plan is approximately ₹3754.443 as of Jun 05, 2025.

What are the returns of this mutual fund scheme?

The DSP Liquidity Fund is a 12 yrs 5 m old fund and has delivered average annual returns of 6.86% since inception.

DSP Liquidity Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.33%	7.01%	5.56%	6.33%	6.86%

How much does this mutual fund charge as expense ratio?

The DSP Liquidity Fund - Direct Growth has an expense ratio of 0.1%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

What is the AUM or fund size of this mutual fund?

The DSP Liquidity Fund currently has assets under management (AUM) or fund size valued at approximately ₹17,017 Crs crore as of Mar 31, 2025.

To whom does DSP Liquidity Fund lend to?

The top 3 debt holdings of DSP Liquidity Fund are as follows

Holding Name	Percentage of Portfolio
Reserve Bank of India	17.37%
HDFC Bank Ltd.	9.22%
Bank Of Baroda	7.01%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The DSP Liquidity Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
A1+	88.74%
SOV	18.41%
AAA	3.72%

What is risk level of DSP Liquidity Fund?

This is a Liquid fund comes with Low to Moderate risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How do I invest in DSP Liquidity Fund?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. It is just a matter of a few minutes. Here's how:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for DSP Liquidity Fund and choose the investment mode (Lump sum investment or a SIP). Then, enter your investment amount.
Fill in additional required details, including the bank account you'll use for payment, and confirm.

All set! Your investment in DSP Liquidity Fund is complete.

How can I redeem my investments in DSP Liquidity Fund?

Redeeming your investments in DSP Liquidity Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in DSP Liquidity Fund from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

in Liquid

#NA

Return/Risk: The fund is performing poorly than its category.
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.