The main goal of this paper is to embed a watermark in the speech signal, using the three techniques such as Discrete Cosine Transform (DCT) along with Singular Value Decomposition (SVD) and Discrete Wavelet Transform (DWT).In this paper, various combinations were tried for embedding the watermark image into the audio signal such as DWT and SVD, DCT with SVD and DCT, DWT with SVD. Their performance was evaluated based on Signal to Noise Ratio (SNR) and Bit Error Rate (BER). From the results it can be seen that the combination of DCT with DWT and SVD method provides better result.