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 120 (Category Avg - 77.43) | Modified Duration 1.01 Years (Category Avg - 0.91)| Yield to Maturity 6.77% (Category Avg - 6.80%)

Portfolio Summary (as on 31st Dec,2025)

Security Type	% Weight	Category Average
GOI	14.26%	7.19%
CD	23.33%	19.67%
T-Bills	0.89%	4.12%
CP	2.16%	3.63%
NCD & Bonds	66.51%	61.15%
PTC	1.89%	2.31%

Category - Low Duration Fund

Security Type	% Weight	Category Average
Government Backed	15.15%	11.31%
Low Risk	93.89%	86.76%
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 31st Dec,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	1800.66	3.21%	17.50 k
Bond - Bharti Telecom Ltd.	NCD & Bonds	Telecom - equipment & accessories	AAA	CRISIL	1772.76	3.16%	17.50 k
Bond - Govt of India	GOI	Other			1724.78	3.08%	1.70 Cr
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1708.97	3.05%	3.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	1554.88	2.77%	15.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	1542.48	2.75%	15.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	1541.54	2.75%	15.00 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1469.51	2.62%	3.00 k
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	1368.84	2.44%	1.35 k
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1053.94	1.88%	10.00 k
Bond - Kotak Mahindra Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	1036.37	1.85%	1.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1031.42	1.84%	10.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1026.50	1.83%	1.00 k
Bond - Govt of India	GOI	Other			987.51	1.76%	97.14 L
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	962.68	1.72%	2.00 k
Bond - Sikka Ports & Terminals Ltd.	NCD & Bonds	Port & port services	AAA	CRISIL	889.30	1.59%	850.00
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	868.06	1.55%	850.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	806.32	1.44%	7.50 k
Bond - Govt of India	GOI	Other			788.47	1.41%	75.00 L
Bond - Govt of India	GOI	Other			777.34	1.39%	75.00 L
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	766.13	1.37%	7.50 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	763.79	1.36%	7.50 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	758.33	1.35%	7.50 k
Bond - India Universal Trust	PTC	Ptc	INDAAA	FITCH	735.02	1.31%	89.00
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	731.64	1.30%	1.50 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	731.23	1.30%	1.50 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	729.35	1.30%	1.50 k
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	727.67	1.30%	1.50 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	712.82	1.27%	1.50 k
Bond - Sundaram Finance Limited	NCD & Bonds	Non banking financial company (nbfc)	LAAA	ICRA	605.74	1.08%	6.00 k
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	598.90	1.07%	5.50 k
Bond - Govt of India	GOI	Other			575.93	1.03%	56.60 L
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	540.95	0.96%	5.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	535.84	0.96%	5.00 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	534.85	0.95%	5.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	530.72	0.95%	5.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	528.48	0.94%	5.00 k
Bond - National Thermal Power Corporation Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	526.93	0.94%	5.00 k
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	526.89	0.94%	5.00 k
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	525.07	0.94%	500.00
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	524.92	0.94%	5.00 k
Bond - ICICI Home Finance Company Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	519.92	0.93%	5.00 k
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	518.48	0.92%	500.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	517.70	0.92%	5.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	517.60	0.92%	5.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	517.53	0.92%	5.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	515.27	0.92%	5.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	513.88	0.92%	5.00 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	513.55	0.92%	5.00 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	509.31	0.91%	5.00 k
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	507.84	0.91%	5.00 k
Bond - T-Bill	T-Bills	Other			498.01	0.89%	50.00 L
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	492.21	0.88%	1.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	489.36	0.87%	1.00 k
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	487.63	0.87%	1.00 k
Bond - Standard Chartered Capital Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	486.88	0.87%	1.00 k
Bond - Standard Chartered Capital Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	475.92	0.85%	1.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	478.29	0.85%	1.00 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	475.18	0.85%	1.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	473.73	0.84%	1.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	471.49	0.84%	1.00 k
Bond - Govt of India	GOI	Other			410.32	0.73%	40.00 L
Bond - India Universal Trust	PTC	Ptc	INDAAA	FITCH	327.02	0.58%	129.00
Bond - Kotak Mahindra Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	303.84	0.54%	3.00 k
Bond - Bharti Telecom Ltd.	NCD & Bonds	Telecom - equipment & accessories	AAA	CRISIL	300.82	0.54%	3.00 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	270.44	0.48%	2.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	269.55	0.48%	2.50 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	268.98	0.48%	250.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	267.76	0.48%	2.50 k
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	265.27	0.47%	2.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	263.65	0.47%	2.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	262.46	0.47%	2.50 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	262.44	0.47%	250.00
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	261.76	0.47%	2.50 k
Bond - Kotak Mahindra Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	261.22	0.47%	2.50 k
Bond - Kotak Mahindra Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	261.12	0.47%	250.00
Bond - Govt of India	GOI	Other			261.44	0.47%	25.00 L
Bond - Govt of India	GOI	Other			259.91	0.46%	25.00 L
Bond - Govt of India	GOI	Other			256.26	0.46%	25.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	260.49	0.46%	2.50 k
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	260.14	0.46%	2.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	259.96	0.46%	2.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	258.61	0.46%	2.50 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	258.13	0.46%	250.00
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	257.62	0.46%	2.50 k
Bond - Kotak Mahindra Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	257.28	0.46%	2.50 k
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	256.98	0.46%	250.00
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	256.68	0.46%	250.00
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	256.37	0.46%	2.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	253.75	0.45%	2.50 k
Bond - JIO Credit Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	253.28	0.45%	2.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	252.96	0.45%	250.00
Bond - Govt of India	GOI	Other			254.86	0.45%	25.00 L
Bond - Govt of India	GOI	Other			253.67	0.45%	25.00 L
Bond - Govt of India	GOI	Other			253.17	0.45%	25.00 L
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	248.81	0.44%	500.00
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	246.72	0.44%	500.00
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	245.93	0.44%	500.00
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	247.19	0.44%	500.00
Bond - Export Import Bank Of India	CD	Financial institution	P1+	CRISIL	243.80	0.43%	500.00
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	243.55	0.43%	500.00
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	243.13	0.43%	500.00
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	242.64	0.43%	500.00
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	242.58	0.43%	500.00
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	212.12	0.38%	200.00
Bond - Govt of India	GOI	Other			205.47	0.37%	20.00 L
Bond - Govt of India	GOI	Other			203.02	0.36%	20.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	203.38	0.36%	2.00 k
Bond - Govt of India	GOI	Other			198.21	0.35%	20.00 L
Bond - Govt of India	GOI	Other			193.73	0.35%	18.75 L
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	105.68	0.19%	1.00 k
Bond - Govt of India	GOI	Other			102.59	0.18%	10.00 L
Bond - Govt of India	GOI	Other			102.42	0.18%	10.00 L
Bond - Govt of India	GOI	Other			85.01	0.15%	8.26 L
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	58.91	0.11%	46.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	53.28	0.09%	500.00
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	51.73	0.09%	50.00
Bond - Govt of India	GOI	Other			50.83	0.09%	5.00 L
Bond - Govt of India	GOI	Other			50.76	0.09%	5.00 L
Bond - Mahindra & Mahindra Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	26.60	0.05%	250.00

Name	Type of Instrument	Weight (%)
Net Receivables	Net Receivables	0.31%
Net Receivables	Net Receivables	0.04%
Net Receivables	Net Receivables	-0.27%
TREPS	TREPS	-9.08%

DSP Low Duration Fund - Regular Plan - Growth

Portfolio Summary (as on 31st Dec,2025)

Debt holding in Portfolio (as on 31st Dec,2025)

Forum