DSP Regular Saving Fund Direct Growth

Fund Overview

Fund Size

₹164 Cr

Expense Ratio

0.50%

ISIN

INF740K01NO5

Minimum SIP

₹100

Exit Load

No Charges

Inception Date

01 Jan 2013

About this fund

DSP Regular Saving Fund Direct Growth is a Conservative Allocation mutual fund schemes offered by DSP Mutual Fund. This fund has been in existence for 12 years, 1 months and 21 days, having been launched on 01-Jan-13.
As of 21-Feb-25, it has a Net Asset Value (NAV) of ₹62.54, Assets Under Management (AUM) of 164.30 Crores, and an expense ratio of 0.5%.

DSP Regular Saving Fund Direct Growth has given a CAGR return of 8.64% since inception.
The fund's asset allocation comprises around 24.42% in equities, 53.77% in debts, and 21.48% in cash & cash equivalents.
You can start investing in DSP Regular Saving Fund Direct Growth with a SIP of ₹100 or a Lumpsum investment of ₹100.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

1 Year

+9.27%

+6.80% (Cat Avg.)

3 Years

+8.91%

+8.15% (Cat Avg.)

5 Years

+9.12%

+8.52% (Cat Avg.)

10 Years

+7.87%

+6.69% (Cat Avg.)

Since Inception

+8.64%

— (Cat Avg.)

Portfolio Summaryas of 31st January 2025

Equity	₹40.13 Cr	24.42%
Debt	₹88.34 Cr	53.77%
Others	₹35.84 Cr	21.81%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
7.32% Govt Stock 2030	Bond - Gov't/Treasury	₹20.92 Cr	12.74%
Rec Limited	Bond - Corporate Bond	₹10.63 Cr	6.47%
Indian Oil Corporation Limited	Bond - Corporate Bond	₹10.57 Cr	6.43%
7.1% Govt Stock 2029	Bond - Gov't/Treasury	₹10.37 Cr	6.31%
7.06% Govt Stock 2028	Bond - Gov't/Treasury	₹10.34 Cr	6.29%
Power Grid Corporation Of India Limited	Bond - Corporate Bond	₹10.15 Cr	6.17%
Power Finance Corporation Limited	Bond - Corporate Bond	₹7.73 Cr	4.71%
Export Import Bank Of India	Bond - Corporate Bond	₹5.4 Cr	3.29%
HDFC Bank Limited	Bond - Corporate Bond	₹5.36 Cr	3.26%
7.1% Govt Stock 2034	Bond - Gov't/Treasury	₹5.23 Cr	3.18%
7.37% Govt Stock 2028	Bond - Gov't/Treasury	₹5.22 Cr	3.18%
7.02% Govt Stock 2031	Bond - Gov't/Treasury	₹5.12 Cr	3.12%
5.74% Govt Stock 2026	Bond - Gov't/Treasury	₹4.99 Cr	3.04%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹4.99 Cr	3.04%
HDFC Bank Ltd	Equity	₹4.74 Cr	2.88%
ICICI Bank Ltd	Equity	₹3.39 Cr	2.06%
5.63% Govt Stock 2026	Bond - Gov't/Treasury	₹2.97 Cr	1.81%
Kotak Mahindra Bank Ltd	Equity	₹2.61 Cr	1.59%
Treps / Reverse Repo Investments	Cash - Repurchase Agreement	₹2.09 Cr	1.27%
Cipla Ltd	Equity	₹2.08 Cr	1.27%
Mahindra & Mahindra Ltd	Equity	₹2.06 Cr	1.26%
ITC Ltd	Equity	₹2.04 Cr	1.24%
SBI Life Insurance Co Ltd	Equity	₹1.83 Cr	1.12%
Bajaj Finance Ltd	Equity	₹1.79 Cr	1.09%
Axis Bank Ltd	Equity	₹1.75 Cr	1.06%
NTPC Ltd	Equity	₹1.71 Cr	1.04%
Samvardhana Motherson International Ltd	Equity	₹1.63 Cr	0.99%
Jubilant Ingrevia Ltd Ordinary Shares	Equity	₹1.6 Cr	0.97%
Hero MotoCorp Ltd	Equity	₹1.39 Cr	0.85%
Oil & Natural Gas Corp Ltd	Equity	₹1.1 Cr	0.67%
Alembic Pharmaceuticals Ltd	Equity	₹1.05 Cr	0.64%
Indus Towers Ltd Ordinary Shares	Equity	₹0.98 Cr	0.60%
Ntpc Limited	Bond - Corporate Bond	₹0.93 Cr	0.57%
Power Finance Corp Ltd	Equity	₹0.76 Cr	0.46%
HCL Technologies Ltd	Equity	₹0.75 Cr	0.46%
La Opala RG Ltd	Equity	₹0.74 Cr	0.45%
Indigo Paints Ltd Ordinary Shares	Equity	₹0.7 Cr	0.43%
Infosys Ltd	Equity	₹0.7 Cr	0.43%
Cyient Ltd	Equity	₹0.69 Cr	0.42%
Suven Pharmaceuticals Ltd	Equity	₹0.67 Cr	0.41%
TeamLease Services Ltd	Equity	₹0.67 Cr	0.41%
GAIL (India) Ltd	Equity	₹0.66 Cr	0.40%
SBI Funds Management Pvt Ltd/Fund Parent	Mutual Fund - Open End	₹0.55 Cr	0.33%
SBI Cards and Payment Services Ltd Ordinary Shares	Equity	₹0.53 Cr	0.32%
Godrej Industries Ltd	Equity	₹0.44 Cr	0.27%
Petronet LNG Ltd	Equity	₹0.4 Cr	0.24%
Net Receivables/Payables	Cash	₹0.31 Cr	0.19%
07.83 GJ Sdl 2026	Bond - Gov't/Treasury	₹0.31 Cr	0.19%
Ipca Laboratories Ltd	Equity	₹0.3 Cr	0.18%
ICICI Lombard General Insurance Co Ltd	Equity	₹0.27 Cr	0.17%
ITC Hotels Ltd	Equity	₹0.07 Cr	0.05%

Allocation By Market Cap (Equity)

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Sector	Amount	Holdings
Financial Services	₹17.68 Cr	10.76%
Consumer Cyclical	₹5.9 Cr	3.59%
Healthcare	₹4.1 Cr	2.50%
Utilities	₹2.37 Cr	1.44%
Basic Materials	₹2.3 Cr	1.40%
Consumer Defensive	₹2.04 Cr	1.24%
Industrials	₹1.8 Cr	1.10%
Energy	₹1.49 Cr	0.91%
Technology	₹1.45 Cr	0.88%
Communication Services	₹0.98 Cr	0.60%

Risk & Performance Ratios

Fund Managers

Abhishek Singh

Since May 2021

Shantanu Godambe

Since August 2024

Additional Scheme Detailsas of 31st January 2025

ISIN

INF740K01NO5

Expense Ratio

0.50%

Exit Load

No Charges

Fund Size

₹164 Cr

Age

12 years 1 month

Lumpsum Minimum

₹100

Fund Status

Open Ended Investment Company

Benchmark

CRISIL Hybrid 85+15 - ConservativeTR INR

Investment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

Capital Gains Taxation:

Dividend Taxation:

Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

Similar Conservative Allocation Funds

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Bandhan Regular Savings Fund Regular Growth Moderately High risk	2.0%	0.0%	₹114.73 Cr	6.0%
Sundaram Debt Oriented Hybrid Fund Regular Growth Moderately High risk	2.2%	0.0%	₹26.97 Cr	5.2%
Parag Parikh Conservative Hybrid Fund Direct Growth Moderately High risk	0.3%	1.0%	₹2397.73 Cr	9.2%
Parag Parikh Conservative Hybrid Fund Regular Growth Moderately High risk	0.7%	1.0%	₹2397.73 Cr	8.9%
UTI Regular Savings Fund Regular Growth Moderately High risk	1.8%	1.0%	₹1632.94 Cr	9.0%
ICICI Prudential Regular Savings Fund Regular Growth High Risk	1.7%	1.0%	₹3144.05 Cr	8.7%
Nippon India Hybrid Bond Fund Regular Growth High Risk	1.9%	1.0%	₹829.16 Cr	7.2%
SBI Conservative Hybrid Fund Regular Growth High Risk	1.5%	1.0%	₹9760.98 Cr	7.1%
Canara Robeco Conservative Hybrid Fund Regular Growth Moderately High risk	1.9%	1.0%	₹929.89 Cr	6.6%
DSP Regular Saving Fund Regular Growth Moderately High risk	1.1%	0.0%	₹164.30 Cr	8.6%

About the AMC

DSP Mutual Fund

+91 18002084499

https://www.dspim.com/

Total AUM

₹1,87,362 Cr

Address

West Wing, 11th Floor, Mumbai, 400021

Other Funds by DSP Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
DSP Multicap Fund Direct Growth Low Risk	0.5%	1.0%	₹1899.28 Cr	6.3%
DSP Nifty Smallcap250 Quality 50 Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹183.65 Cr	0.0%
DSP Banking & Financial Services Fund Direct Growth Very High Risk	0.7%	0.0%	₹1011.64 Cr	16.7%
DSP Gold ETF Fund of Fund Direct Growth High Risk	0.7%	0.0%	₹57.09 Cr	36.2%
DSP Multi Asset Allocation Fund Direct Growth Very High Risk	0.3%	1.0%	₹2536.66 Cr	16.3%
DSP FMP - Series 264 - 60M - 17D Direct Growth Low to Moderate Risk	-	0.0%	₹49.76 Cr	8.1%
DSP FMP Series 267 - 1246 Days Direct Growth Low to Moderate Risk	-	0.0%	₹668.37 Cr	7.7%
DSP FMP Series 261 37 Month Direct Growth Moderate Risk	-	-	-	-
DSP Fixed Maturity Plan Series 270 1144 Days Direct Growth Low to Moderate Risk	-	0.0%	₹180.35 Cr	7.7%
DSP FMP Series 268 - 1281 Days Direct Growth Low to Moderate Risk	-	-	₹122.54 Cr	8.0%
DSP FMP Series 252 38 Month Direct Growth Moderate Risk	-	0.0%	-	-
DSP Banking & PSU Debt Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹2978.46 Cr	8.0%
DSP Dynamic Asset Allocation Fund Direct Growth Moderate Risk	0.7%	1.0%	₹3185.69 Cr	11.2%
DSP Overnight Fund Direct Growth Low Risk	0.1%	0.0%	₹2459.35 Cr	6.7%
DSP Nifty 50 Index Fund Direct Growth Very High Risk	0.2%	0.0%	₹661.06 Cr	4.4%
DSP Nifty Next 50 Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹859.49 Cr	3.7%
DSP Healthcare Fund Direct Growth Very High Risk	0.6%	0.0%	₹3197.52 Cr	16.8%
DSP Global Allocation Fund Direct Growth Very High Risk	1.4%	0.0%	₹56.14 Cr	15.9%
DSP Low Duration Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹5166.83 Cr	7.8%
DSP Value Fund Direct Growth Very High Risk	0.9%	1.0%	₹899.68 Cr	11.1%
DSP Nifty SDL Plus G-Sec Jun 2028 30:70 Index Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹2191.76 Cr	8.2%
DSP Bond Fund Direct Growth Moderately High risk	0.4%	0.0%	₹305.79 Cr	8.0%
DSP Flexi Cap Fund Direct Growth Very High Risk	0.7%	1.0%	₹11032.79 Cr	10.4%
DSP Government Securities Direct Growth Moderate Risk	0.6%	0.0%	₹1715.91 Cr	7.6%
DSP Equity & Bond Fund Direct Growth Very High Risk	0.7%	1.0%	₹10137.49 Cr	14.8%
DSP Focus Fund Direct Growth Very High Risk	1.0%	1.0%	₹2392.95 Cr	10.4%
DSP Credit Risk Fund Direct Growth Moderately High risk	0.4%	1.0%	₹189.70 Cr	9.3%
DSP India TIGER Fund Direct Growth Very High Risk	0.8%	1.0%	₹5003.45 Cr	6.8%
DSP Liquidity Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹21927.12 Cr	7.5%
DSP Regular Saving Fund Direct Growth Moderately High risk	0.5%	0.0%	₹164.30 Cr	9.3%
DSP Small Cap Fund Direct Growth Very High Risk	0.8%	1.0%	₹14995.68 Cr	3.4%
DSP Ultra Short Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹3049.97 Cr	7.7%
DSP Short Term Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹2770.38 Cr	8.2%
DSP Midcap Fund Direct Growth Very High Risk	0.8%	1.0%	₹17762.02 Cr	7.3%
DSP Natural Resource & New Energy Fund Direct Growth Very High Risk	1.0%	0.0%	₹1190.43 Cr	2.8%
DSP Equity Opportunities Fund Direct Growth Very High Risk	0.7%	1.0%	₹13444.08 Cr	10.7%
DSP Strategic Bond Fund Direct Growth Moderate Risk	0.5%	0.0%	₹1813.98 Cr	7.7%
DSP Savings Fund Direct Growth Moderate Risk	0.3%	0.0%	₹4030.03 Cr	7.6%
DSP Tax Saver Fund Direct Growth Very High Risk	0.7%	0.0%	₹15985.06 Cr	11.3%
DSP World Agriculture Direct Growth Very High Risk	1.5%	0.0%	₹12.18 Cr	7.1%
DSP Top 100 Equity Fund Direct Growth Very High Risk	1.1%	1.0%	₹4599.52 Cr	13.1%
DSP US Flexible Equity Fund Direct Growth Very High Risk	1.5%	0.0%	₹920.17 Cr	20.6%
DSP World Energy Direct Growth Very High Risk	1.5%	0.0%	₹91.54 Cr	2.8%
DSP World Gold Fund of Fund Direct Growth Very High Risk	1.7%	0.0%	₹1089.01 Cr	66.8%
DSP World Mining Direct Growth Very High Risk	1.5%	0.0%	₹128.51 Cr	14.8%
DSP Equity Savings Fund Direct Growth Moderately High risk	0.4%	0.0%	₹2417.24 Cr	10.8%
DSP Arbitrage Fund Direct Growth Low Risk	0.3%	0.0%	₹6029.71 Cr	7.9%
DSP Corporate Bond Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹2610.35 Cr	7.9%
DSP 10Y G-Sec Fund Direct Growth Moderate Risk	0.3%	0.0%	₹57.07 Cr	8.6%
DSP Nifty SDL Plus G-Sec Sep 2027 50:50 Index Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹95.73 Cr	8.2%

Risk Level

Your principal amount will be at Moderately High risk

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Still got questions?
We're here to help.

What is the current NAV of DSP Regular Saving Fund Direct Growth?

The NAV of DSP Regular Saving Fund Direct Growth, as of 21-Feb-2025, is ₹62.54.

What are the returns of DSP Regular Saving Fund Direct Growth?

The fund has generated 9.27% over the last 1 year and 8.91% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.

What is the portfolio composition of DSP Regular Saving Fund Direct Growth?

The fund's allocation of assets is distributed as 24.42% in equities, 53.77% in bonds, and 21.48% in cash and cash equivalents.

Who manages the DSP Regular Saving Fund Direct Growth?

The fund managers responsible for DSP Regular Saving Fund Direct Growth are:-

Abhishek Singh
Shantanu Godambe

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

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Fund Overview

Fund Size

₹164 Cr

Expense Ratio

0.50%

ISIN

INF740K01NO5

Minimum SIP

₹100

Exit Load

No Charges

Inception Date

01 Jan 2013

Risk Level

Your principal amount will be at Moderately High risk