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Product scoring may vary based on gender, age, policy tenure and sum assured.
Gender
Male
Age Group
The lowest age in the selected range is considered for price evaluation (e.g., 25 - 29)
30 - 34
Sum Assured
₹ 1Cr
Debt • Low Duration • NIFTY Low Duration Debt Index
DSP Low Duration Fund(G)-Direct Plan
1 Finance Rank:
07
071 Finance Score:
77100
Yield To Maturity Score
70
Quality & Diversification Score
97
Standard Deviation Score
70
Modified Duration Score
91
AUM Score
64
Historical Performance score
61
by 1 Finance Research 1 Finance Scores reflect a holistic assessment of fund performance, risk, and costs.
AUM
₹ 4,669 Cr(As on 31-Mar-2026)NAV
₹ 21.5005(As on 18-May-2026)Expense Ratio
0.30%(As on 31-Mar-2026)Investment Horizon
6 to 12 Months
07
Debt • Low Duration • NIFTY Low Duration Debt Index
DSP Low Duration Fund(G)-Direct Plan
This fund ranks 7th out of 22 funds in its category.
AUM₹ 4,669 Cr(As on 31-Mar-2026)
NAV₹ 21.5005(As on 18-May-2026)
Expense Ratio0.30%(As on 31-Mar-2026)
Investment Horizon6 to 12 Months
1 Finance Score: 77/100
Yield To Maturity Score
70
Quality & Diversification Score
97
Standard Deviation Score
70
Modified Duration Score
91
AUM Score
64
Historical Performance score
61
Fundamental Ratios
Modified Duration
7.44 yearsAverage Maturity
1.17 yearsYield To Maturity
7.44%Standard Deviation
0.03%Portfolio summary
Asset Allocation
Debt
Others
105.03%
-5.03%
Credit Rating
AAA
56.53%
SOV
14.59%
Others
0.00%
AA
0.00%
Cash Eqv.
-5.40%
Debt Sector Allocation
Bank
45.88%
Finance
42.77%
G-Sec
14.59%
Others
2.16%
Top Holdings
| Holding Names | Assets (%) |
|---|---|
| National Bank For Agriculture & Rural Development SR-24A 7.50% (31-Aug-2026) | 3.21% |
| Bharti Telecom Ltd. -SR-XXV 07.35% (15-Oct-2027) | 3.16% |
| 06.01% GOI 21-Jul-2030 | 3.08% |
| HDFC Bank Ltd. (19-May-2026) | 3.05% |
| REC Ltd.-SR-236-B 07.56% (31-Aug-2027) | 2.77% |
Peer comparison
| Fund List | 1 F score | Fund Size | Expense Ratio |
|---|
Pros and Cons
Pros
Potential for higher returns as the fund maintains a high Net Yield to Maturity (YTM).
Ability to significantly outperform benchmark returns.
The fund demonstrates a low level of volatility as the standard deviation is low.
Relatively low modified duration indicates lower sensitivity to interest rate changes, suggesting lower risk.
Cons
This fund doesn't have any cons.
Should you invest?
Invest if you are :
- Those with a 6 to 12 month investment horizon should consider investing in this fund.
Avoid if you are :
- Those who have more than 1 year investment horizon should avoid this fu
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Taxation
If bought before April 1, 2023
- Less than or equal to 24 months: Short-Term Capital Gains (STCG) are taxed as per your applicable income tax slab.
- More than 24 months: Long-Term Capital Gains (LTCG) are taxed at 12.5% on gains.
If bought after April 1, 2023
- Taxed at applicable slab rates.
Scheme Details
Scheme Objective
- The investment objective of the Scheme 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.
Exit Load
- Nil
Minimum investment amount
Lumpsum
₹ 100 (open for subscription)
Other details
Founded In2015
Email Addressservice@dspim.com
| Fund Manager Name | Total Exp. (Years) | No. of Funds Managed |
|---|---|---|
| Karan Mundra |
About DSP MF
- One of the oldest Indian asset management companies (AMCs), DSP Mutual Fund boasts a wide selection of mutual fund schemes, with a reputation built on consistent performance, risk mitigation, and long-term wealth creation.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
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Frequently Asked Questions
Are debt funds risk-free?
No, debt funds aren’t entirely risk-free. They may be less volatile than equities, but carry risks like changing interest rates, credit, liquidity, concentration, and prepayment. Hence, as an investor, it is crucial you personalise your portfolio based on your financial personality, which includes your risk comfort and time horizon of your financial goals.
Is a higher yield-to-maturity (YTM) always better?
Not necessarily in every case. A higher yield-to-maturity (YTM) often implies a bond having lower credit ratings, possessing higher default risk. You must weigh YTM against your portfolio quality and your time horizon.
What’s best for an emergency fund?
An emergency fund requires saving 3-6 months of expenses, meaning planning for short-term goals. While debt funds like overnight or liquid funds are usually the preferred options due to their strong liquidity benefits, it is imperative for you to choose a fund that aligns with your financial personality.
Who can invest in debt funds?
Debt funds are suitable for investors who prefer easy liquidity, want low-risk investments, or aim for capital preservation.
Are debt funds better than equity funds?
A mutual fund scheme is designed with a specific purpose. Equity funds are for capital appreciation, while debt funds focus on capital preservation. It depends entirely on your personal finance goals, risk tolerance, and investment horizon. Choosing between debt and equity funds must align with what you want to achieve financially.
Disclaimer
The Information in the scoring and ranking model is provided solely for general information and educational purposes and shall not constitute any advice or recommendation. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not an indicator of future returns.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
- Mutual fund tax harvesting
- Fund overlap check & more