DSP Low Duration Fund - Debt Mutual Fund Scheme

This scheme		NIFTY Low D…	CRISIL 1 Ye…	Gold	PPF
NA	vs	NA	NA	NA	NA
NA	vs	NA	NA	NA	NA

	This scheme	NIFTY Low D… ^#	CRISIL 1 Ye… ^#	Gold	PPF
# Returns do not reflect any dividend distribution

	1 Year	3 Years	5 Years	10 Years
# Rolling returns have been calculated based on returns from regular plan growth option.

Comparative performance of DSP Low Duration Fund as of
	DSP Low Duration Fund	NIFTY Low D… ^{^}	CRISIL 1 Ye… ^#
Date of allotment: Mar 10, 2015. Period for which scheme's performance has been provided is computed basis last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of Regular Plan. Since inception returns have been calculated from the date of allotment till June 28, 2013 See all funds managed by Kedar Karnik » See all funds managed by Laukik Bagwe » Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments ^ Scheme Benchmark # Standard Benchmark

Top 5 instruments by holding
Name	% of Net Assets
TREPS / REVERSE REPO INVESTMENTS / CORPORATE DEBT REPO	10.17%
182 DAY T-BILL 18032021	5.43%
LIC HOUSING FINANCE LIMITED	4.38%
INDIAN RAILWAY FINANCE CORPORATION LIMITED	3.55%
RELIANCE INDUSTRIES LIMITED	3.04%
See detailed debt holdings »

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Kedar Karnik

Kedar joined DSP Investment Managers from Axis Asset Management and has over 10 years of investment experience. He has done his Masters in Management Studies from Jamnalal Bajaj Institute of Management Studies. He has over a decade of investment experience. He has previously worked with HSBC Asset Management and CRISIL Ltd.

Note:
Mr. Kedar Karnik is managing DSP Arbitrage Fund with effect from June 16, 2020.

All Funds managed by Kedar Karnik
Sr. No.	Period	1 Year		3 Years		5 Years
Period for which scheme's performance has been provided is computed basis last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of regular plan. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Laukik Bagwe

Laukik is Fund Manager with the Fixed Income Investment team of DSP Investment managers. He joined the firm in November 2007 as a Fixed Income Dealer. From November 2003 to October 2007, Laukik worked with Derivium Capital & Securities Pvt. Ltd. as the Head of Fixed Income Trading-SLR & NONSLR Broking. From June 2000 to October 2003, he worked with Birla Sunlife Securities Ltd. as a Manager-SLR & NONSLR Broking.
He brings with him a total work experience of 11 years in debt broking and is currently the fund manager for the following schemes of DSP Mutual Fund.

Note:
Mr. Laukik Bagwe is managing DSP Low Duration Fund with effect from June 16, 2020.

All Funds managed by Laukik Bagwe
Sr. No.	Period	1 Year		3 Years		5 Years
Period for which scheme's performance has been provided is computed basis last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of regular plan. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Debt holdings for Low Duration Fund

Bonds & NCDs57.35%

Name	Rating	% of Net Assets
LIC HOUSING FINANCE LTD	CRISIL AAA	4.38%
INDIAN RAILWAY FINANCE CORP LTD	CRISIL AAA	3.55%
RELIANCE INDUSTRIES LTD	CRISIL AAA	3.04%
HOUSING DEVELOPMENT FINANCE CORP LTD	CRISIL AAA	2.78%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	CRISIL AAA	2.63%
REC LTD	CRISIL AAA	2.4%
NATIONAL HIGHWAYS AUTHORITY OF INDIA	CRISIL AAA	2.26%
NATIONAL HIGHWAYS AUTHORITY OF INDIA	CRISIL AAA	2.25%
HOUSING DEVELOPMENT FINANCE CORP LTD	CRISIL AAA	2.19%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA	CARE AAA	1.72%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	CRISIL AAA	1.54%
RELIANCE INDUSTRIES LTD	CRISIL AAA	1.52%
POWER FINANCE CORP LTD	CRISIL AAA	1.51%
POWER GRID CORP OF INDIA LTD	CRISIL AAA	1.51%
LIC HOUSING FINANCE LTD	CRISIL AAA	1.5%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	CRISIL AAA	1.49%
REC LTD	CARE AAA	1.47%
POWER FINANCE CORP LTD	CRISIL AAA	1.45%
HOUSING DEVELOPMENT FINANCE CORP LTD	CRISIL AAA	1.42%
POWER FINANCE CORP LTD	CRISIL AAA	1.27%
NTPC LTD	CRISIL AAA	1.2%
NTPC LTD	CRISIL AAA	1.05%
LIC HOUSING FINANCE LTD	CARE AAA	0.95%
INDIAN RAILWAY FINANCE CORP LTD	CRISIL AAA	0.86%
HOUSING DEVELOPMENT FINANCE CORP LTD	CRISIL AAA	0.85%
POWER FINANCE CORP LTD	CRISIL AAA	0.77%
HDB FINANCIAL SERVICES LTD	CARE AAA	0.76%
LIC HOUSING FINANCE LTD	CARE AAA	0.75%
REC LTD	IND AAA	0.75%
REC LTD	CARE AAA	0.75%
REC LTD	CARE AAA	0.74%
RELIANCE INDUSTRIES LTD	CRISIL AAA	0.73%
POWER FINANCE CORP LTD	CRISIL AAA	0.71%
REC LTD	CRISIL AAA	0.71%
POWER GRID CORP OF INDIA LTD	CRISIL AAA	0.61%
LIC HOUSING FINANCE LTD	CARE AAA	0.58%
BAJAJ FINANCE LTD	CRISIL AAA	0.45%
NATIONAL HIGHWAYS AUTHORITY OF INDIA	CRISIL AAA	0.44%
POWER GRID CORP OF INDIA LTD	CARE AAA	0.43%
KOTAK MAHINDRA PRIME LTD	CRISIL AAA	0.3%
POWER FINANCE CORP LTD	CRISIL AAA	0.3%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA	CARE AAA	0.29%
SUNDARAM FINANCE LTD	CRISIL AAA	0.15%
POWER GRID CORP OF INDIA LTD	CRISIL AAA	0.14%
LIC HOUSING FINANCE LTD	CRISIL AAA	0.14%
POWER FINANCE CORP LTD	CRISIL AAA	0.06%

57.4% of Debt instruments

Money market instruments31.02%

Name	Rating	% of Net Assets
182 DAY T-BILL 18032021	SOV	5.43%
EXPORT-IMPORT BANK OF INDIA	CRISIL A1+	2.7%
BANK OF BARODA	IND A1+	2.69%
RELIANCE INDUSTRIES LTD	CARE A1+	2.01%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA	CARE A1+	1.91%
182 DAY T-BILL 25032021	SOV	1.9%
KOTAK MAHINDRA BANK LTD	CRISIL A1+	1.37%
ICICI BANK LTD	ICRA A1+	1.36%
HOUSING DEVELOPMENT FINANCE CORP LTD	CRISIL A1+	1.35%
BANK OF BARODA	IND A1+	1.35%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	IND A1+	1.34%
RELIANCE INDUSTRIES LTD	CARE A1+	1.34%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	IND A1+	1.34%
BANK OF BARODA	IND A1+	0.69%
EXPORT-IMPORT BANK OF INDIA	CRISIL A1+	0.68%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA	CRISIL A1+	0.68%
BANK OF BARODA	IND A1+	0.68%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA	CARE A1+	0.68%
EXPORT-IMPORT BANK OF INDIA	ICRA A1+	0.58%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	IND A1+	0.41%
BANK OF BARODA	ICRA A1+	0.27%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA	CARE A1+	0.14%
ICICI BANK LTD	ICRA A1+	0.12%

31% of Debt instruments

TREPS10.17%

Name	Rating	% of Net Assets
TREPS / REVERSE REPO INVESTMENTS / CORPORATE DEBT REPO	--	10.17%

10.2% of Debt instruments

Government Securities (Central/State)1.42%

Name	Rating	% of Net Assets
8.12% GOI 10122020	SOV	1.42%

1.4% of Debt instruments

DSP Low Duration Fund presentation

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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.

For lumpsum investments, if the investment period is less than 1 year then same return values are displayed for absolute & XIRR. For periods above 1 year, they are annualized. 1 Year is assumed as 365 days.
Returns for investments in dividend plans of schemes are calculated after assuming that the net dividend payouts post statutory taxes & levies, are re-invested back in the scheme.
Dividends declared from benchmark's constituents isn't taken into account when comparing with investment in scheme's dividend plans.
Performance is always compared against the latest benchmark of the scheme irrespective of the date of change of scheme's benchmark, if any.
Except when SIP tenure is since inception, for all tenures, the start day for SIP investments is considered as 1st of every month. There is no end date to SIPs for the purpose of graphs.
For the purpose of NAV date applicability, if the investment date happens to be a non-business day, next business day's NAV is applied. Investment on inception date can happen on a non-business day.
Gold prices are available post 29 JAN, 2005 & are based on daily closing values on MCX.
Investment in gold has a strong global market demand and gold is highly liquid asset.
PPF interest rate is assumed at 8.7% p.a. & interest received is compounded daily for the returns illustration in the charts.
The comparison with PPF (and other traditional saving instruments/assets) has been given for the purpose of the general information only. Investments in mutual funds should not be construed as a promise, guarantee on or a forecast of any minimum returns. Unlike traditional saving instruments there is no capital protection guarantee or assurance of any return in mutual fund investment. Traditional savings instruments are comparatively low risk products and are generally backed by the Government. Investment in mutual funds carries high risk as compared to the traditional saving instruments and any investment decision needs to be taken only after consulting the Tax Consultant or Mutual Fund Distributor.

DSP Low Duration Fund
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Kedar Karnik

Laukik Bagwe

Historical Returns

Portfolio as of Oct 31, 2020

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Performance

Historical Returns

Portfolio as of Oct 31, 2020

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Kedar Karnik

Laukik Bagwe

Debt holdings for Low Duration Fund

Bonds & NCDs57.35%

Money market instruments31.02%

TREPS10.17%

Government Securities (Central/State)1.42%

DSP Low Duration Fund presentation

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