DSP Mutual Fund
DSP Liquidity
7.1Q1★4
- NAV
- ₹4,087.41
- Expense
- 0.13%
- AUM
- ₹21.1 K Cr
- 1Y
- +6.4%
- 3Y
- +7.0%
- 5Y
- +6.1%
#1 of 9
Min SIP: ₹100Ideal: 1 week to 3 monthsLow to Moderate Risk
Quantum Mutual Fund
Quantum Liquid Fund - Direct Plan Growth Option
3Y returns
6.6%
past performance*
5Y returns
5.8%
past performance*
0.15%Expense ratio
₹567 CrFund size
A licensed partner advisor will guide you — free, no PAN or bank details needed now.
*Past performance does not guarantee future returns. Returns are historical and subject to market risk.
NAV₹37.94
1D—
Expense0.15%
AUM₹567 Cr
Min SIP₹500
Min Lumpsum₹5,000
Trailing returns (CAGR)
| 1W | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| +0.09% | +0.59% | +1.53% | +2.89% | +5.89% | +6.64% | +5.79% | +5.67% |
🎯 OnePaisa Verdict
4.7/ 10
Below AverageBreakdown
- Returns3/10
- Consistency6/10
- Risk1/10
- Cost10/10
- Size6/10
- Very low expense ratio (0.15%) — more of your money compounds for you
- 4★ Morningstar rating
💡 Ratings are not guarantees. Past performance does not predict future results.
SIP Returns
Simulated ₹10,000/month systematic investment plan, computed from NAV history.
1 Year SIP
+6.24%
₹1.24 L value on ₹1.20 L invested
3 Year SIP
—
Not enough NAV history yet.
5 Year SIP
—
Not enough NAV history yet.
vs Category (Liquid)
This fund (1Y)
+5.89%
Rank #9 of 9
Category average (1Y)
+6.30%
Quartile Q4
Beats 0% of liquid funds on 1Y return.
Risk Analysis
- Std Deviation (1Y)0.19%Low
- Max Drawdown (1Y)0.00%Low
- Sharpe Ratio (1Y)-3.18Poor
- Sortino Ratio (1Y)0.00Poor
💡 Higher Sharpe = better risk-adjusted returns. Above 1.0 is good, above 2.0 is excellent. Drawdown is the worst peak-to-trough decline.
Calendar Year Returns
+3.88%
2025
+1.87%
2026
💰 What This Fund Costs You
Expense ratio: 0.15%
That is ₹150 per year on every ₹1 lakh invested.
10-year impact on ₹1 lakh (assuming 12% gross return)
Without this expense, ₹1 lakh would have grown to ₹3.11 L.
🎯 Is This Fund Right For You?
- Ideal horizon
- 1 week to 3 months
- Minimum: 1 day
- Risk profile
- Low
- SIP recommended
- ➖ Lump sum preferred
- Lump sum as needed
Securities maturing within 91 days. Near-zero credit risk. Best alternative to a savings account.
Suitable goals
- Emergency fund parking
- Short-term surplus
- Better-than-savings-account returns
Suitable for
- Everyone — emergency fund
- Those with idle cash for 1 week to 3 months
- Corporate treasury
Not suitable for
- Long-term wealth creation (returns barely beat inflation)
🧾 Taxation
This is an Debt Fund.
- Short-term (Less than 2 years (listed) / 3 years (unlisted))
- As per income tax slab
- Long-term (2 years or more (listed))
- 12.5%
- LTCG exemption
- No exemption
- TDS
- No TDS for resident Indians on redemption
💡 Worked example
Invest ₹1,00,000 and gain ₹25,000 over 2 years:
- Tax type: LTCG (12.5% LTCG)
- Taxable gain: ₹25,000
- Tax owed: ₹3,125
- You keep: ₹1,21,875
Post-Budget 2025: listed debt funds held over 2 years qualify for 12.5% LTCG (no indexation). Unlisted debt funds need 3 years.
🚨 Things to Watch
Bottom quartile performer
Ranked #9 of 9 in its category (bottom 25%). Most peers are doing better.
Poor risk-adjusted returns
Sharpe ratio of -3.18 means you’re not being adequately compensated for the risk taken.
📊 SIP Calculator — Quantum Liquid Fund Growth Option
Estimated corpus
₹3.49 L
- Total invested
- ₹3.00 L
- Estimated gain
- ₹48,648 (+16%)
▮ Invested▮ Gains
How it stacks up vs alternatives
- Fixed Deposit (7%)₹3.60 L
- Category average (7.0%)₹3.60 L
- This fund (5.79%)₹3.49 L
⚠️ Projection based on past CAGR. Actual returns may vary. Markets are subject to risk; past performance is not a guarantee of future results.
▶Show Advanced Analysis
📈 Risk vs Return
Return 5.9% · Risk (std dev) 0.2%
SweetGrowthSlowAvoidLow riskHigh risk
Safe but slow
Stable but modest returns — suits capital preservation.
Sharpe ratio of -3.18 confirms poor risk-adjusted returns.
💸 Expense Impact (₹10K/month for 20 years at 12% gross)
- This fund — Direct (0.15%)₹97.91 L
- Index fund (0.10%)₹98.57 L
- Regular plan (~1.50%)₹81.76 L
Choosing this Direct plan over a Regular plan saves about ₹16.15 L. Index fund would still beat it by ₹66,423 thanks to its lower expense ratio.
Fund information
- Scheme category
- Debt Scheme - Liquid Fund
- Benchmark
- CRISIL Liquid Debt TR INR
- Inception
- 2006-04-07
- Lock-in
- None
- Exit load
- 0 - 1 Days : 0.01 %<br/>1 - 2 Days : 0.01 %<br/>2 - 3 Days : 0.01 %<br/>3 - 4 Days : 0.01 %<br/>4 - 5 Days : 0.01 %
- Plan
- Direct
- Option
- Growth
Data freshness
- NAV as of: 2026-10-22
- Metrics calculated: 2026-10-23
- Source: mfapi.in, AMFI India
NAV trend
See how a SIP grows in this fund
Use the SIP Calculator with this fund's historical CAGR to project a monthly investment.
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- NAV
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- Expense
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- AUM
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- 3Y
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- NAV
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- Expense
- 0.2%
- AUM
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- 1Y
- +6.4%
- 3Y
- +7.0%
- 5Y
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