DSP Low Duration Fund - Regular Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

No of Debt Holding 123 (Category Avg - 78.96) | Modified Duration 0.93 Years (Category Avg - 0.88)| Yield to Maturity 6.54% (Category Avg - 6.66%)

Portfolio Summary (as on 30th Nov,2025)

Security Type	% Weight	Category Average
GOI	14.33%	6.56%
CD	19.61%	19.10%
T-Bills	0.76%	4.54%
CP	1.84%	3.19%
NCD & Bonds	60.30%	58.52%
PTC	1.74%	2.21%

Category - Low Duration Fund

Security Type	% Weight	Category Average
Government Backed	15.09%	11.10%
Low Risk	83.49%	83.02%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Low Duration Fund

Debt holding in Portfolio (as on 30th Nov,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			2330.78	3.56%	2.30 Cr
Bond - Bharti Telecom Ltd.	NCD & Bonds	Telecom - equipment & accessories	AAA	CRISIL	2021.74	3.09%	20.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	1793.07	2.74%	17.50 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1700.82	2.60%	3.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	1551.73	2.37%	15.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	1536.20	2.35%	15.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	1535.28	2.34%	15.00 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1462.50	2.23%	3.00 k
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	1360.92	2.08%	1.35 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	1072.13	1.64%	10.00 k
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1050.11	1.60%	10.00 k
Bond - Govt of India	GOI	Other			1050.24	1.60%	1.00 Cr
Bond - Kotak Mahindra Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	1032.79	1.58%	1.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1022.22	1.56%	1.00 k
Bond - Govt of India	GOI	Other			982.89	1.50%	97.14 L
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	958.63	1.46%	2.00 k
Bond - Sikka Ports & Terminals Ltd.	NCD & Bonds	Port & port services	AAA	CRISIL	884.92	1.35%	850.00
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	865.42	1.32%	850.00
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	813.14	1.24%	7.50 k
Bond - Govt of India	GOI	Other			784.94	1.20%	75.00 L
Bond - Tata Capital Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	780.25	1.19%	750.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	776.08	1.18%	7.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	774.49	1.18%	7.50 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	770.55	1.18%	7.50 k
Bond - Govt of India	GOI	Other			773.89	1.18%	75.00 L
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	767.91	1.17%	7.50 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	761.77	1.16%	7.50 k
Bond - India Universal Trust	PTC	Ptc	INDAAA	FITCH	747.13	1.14%	89.00
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	736.53	1.12%	1.50 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	727.83	1.11%	1.50 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	726.04	1.11%	1.50 k
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	724.56	1.11%	1.50 k
Bond - Sundaram Finance Limited	NCD & Bonds	Non banking financial company (nbfc)	LAAA	ICRA	650.15	0.99%	6.00 k
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	596.68	0.91%	5.50 k
Bond - Govt of India	GOI	Other			573.04	0.87%	56.60 L
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	545.44	0.83%	5.00 k
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	541.22	0.83%	5.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	534.66	0.82%	5.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	529.20	0.81%	5.00 k
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	528.62	0.81%	5.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	526.22	0.80%	5.00 k
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	526.12	0.80%	5.00 k
Bond - National Thermal Power Corporation Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	524.29	0.80%	5.00 k
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	522.96	0.80%	5.00 k
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	522.58	0.80%	500.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	522.32	0.80%	5.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	521.01	0.80%	5.00 k
Bond - ICICI Home Finance Company Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	518.33	0.79%	5.00 k
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	517.23	0.79%	500.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	513.57	0.78%	5.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	512.30	0.78%	5.00 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	506.69	0.77%	5.00 k
Bond - T-Bill	T-Bills	Other			495.69	0.76%	50.00 L
Bond - Kotak Mahindra Bank Ltd.	CD	Private sector bank	P1+	CRISIL	493.02	0.75%	1.00 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	P1+	CRISIL	491.85	0.75%	1.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	489.78	0.75%	1.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	487.12	0.74%	1.00 k
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	485.44	0.74%	1.00 k
Bond - Standard Chartered Capital Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	484.47	0.74%	1.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	476.37	0.73%	1.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	473.56	0.72%	1.00 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	473.45	0.72%	1.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	471.97	0.72%	1.00 k
Bond - Standard Chartered Capital Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	473.77	0.72%	1.00 k
Bond - Govt of India	GOI	Other			408.58	0.62%	40.00 L
Bond - India Universal Trust	PTC	Ptc	INDAAA	FITCH	392.00	0.60%	129.00
Bond - Kotak Mahindra Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	327.29	0.50%	3.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	272.41	0.42%	2.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	271.08	0.41%	250.00
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	269.98	0.41%	2.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	269.03	0.41%	2.50 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	268.04	0.41%	250.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	267.29	0.41%	2.50 k
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	263.81	0.40%	2.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	262.94	0.40%	2.50 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	261.68	0.40%	250.00
Bond - Kotak Mahindra Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	260.29	0.40%	2.50 k
Bond - Kotak Mahindra Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	260.16	0.40%	250.00
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	259.41	0.40%	2.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	259.26	0.40%	2.50 k
Bond - Govt of India	GOI	Other			261.55	0.40%	25.00 L
Bond - Govt of India	GOI	Other			258.69	0.39%	25.00 L
Bond - Govt of India	GOI	Other			255.10	0.39%	25.00 L
Bond - Govt of India	GOI	Other			253.78	0.39%	25.43 L
Bond - Govt of India	GOI	Other			253.60	0.39%	25.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	258.65	0.39%	2.50 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	257.72	0.39%	2.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	257.69	0.39%	2.50 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	257.26	0.39%	250.00
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	257.16	0.39%	2.50 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	257.11	0.39%	250.00
Bond - Kotak Mahindra Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	256.63	0.39%	2.50 k
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	256.35	0.39%	250.00
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	LAAA	ICRA	255.72	0.39%	250.00
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	255.58	0.39%	250.00
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	255.36	0.39%	2.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	255.33	0.39%	2.50 k
Bond - Nexus Select Trust	NCD & Bonds	Real estate investment trusts (reits)	AAA	CRISIL	253.47	0.39%	2.50 k
Bond - JIO Credit Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	252.56	0.39%	2.50 k
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	247.53	0.38%	500.00
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	246.50	0.38%	500.00
Bond - Export Import Bank Of India	CD	Financial institution	P1+	CRISIL	246.31	0.38%	500.00
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	245.78	0.38%	500.00
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	244.75	0.37%	500.00
Bond - Export Import Bank Of India	CD	Financial institution	P1+	CRISIL	242.69	0.37%	500.00
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	242.01	0.37%	500.00
Bond - Govt of India	GOI	Other			210.88	0.32%	20.00 L
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	211.61	0.32%	200.00
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	202.94	0.31%	2.00 k
Bond - Govt of India	GOI	Other			205.35	0.31%	20.00 L
Bond - Govt of India	GOI	Other			204.55	0.31%	20.00 L
Bond - Govt of India	GOI	Other			192.80	0.29%	18.75 L
Bond - Govt of India	GOI	Other			102.95	0.16%	10.00 L
Bond - Govt of India	GOI	Other			101.94	0.16%	10.00 L
Bond - Mahindra & Mahindra Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	105.94	0.16%	1.00 k
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	105.27	0.16%	1.00 k
Bond - Govt of India	GOI	Other			84.60	0.13%	8.26 L
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	58.59	0.09%	46.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	53.01	0.08%	500.00
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	51.51	0.08%	50.00
Bond - Govt of India	GOI	Other			52.29	0.08%	5.00 L
Bond - Govt of India	GOI	Other			50.59	0.08%	5.00 L
Bond - Mahindra & Mahindra Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	26.50	0.04%	250.00

Name	Type of Instrument	Weight (%)
TREPS	TREPS	1.68%
Net Receivables	Net Receivables	0.26%
Net Receivables	Net Receivables	-0.52%

DSP Low Duration Fund - Regular Plan - Growth

Portfolio Summary (as on 30th Nov,2025)

Debt holding in Portfolio (as on 30th Nov,2025)

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