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DSP Regular Saving Fund Direct Growth
HybridConservative AllocationModerately High risk
Direct
NAV (21-Nov-24)
₹62.28-0.15%1D
Returns (Since Inception)
8.80%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹185 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 11 years, 10 months and 21 days, having been launched on 01-Jan-13.
As of 21-Nov-24, it has a Net Asset Value (NAV) of ₹62.28, Assets Under Management (AUM) of 184.82 Crores, and an expense ratio of 0.5%.
As of 21-Nov-24, it has a Net Asset Value (NAV) of ₹62.28, Assets Under Management (AUM) of 184.82 Crores, and an expense ratio of 0.5%.
- DSP Regular Saving Fund Direct Growth has given a CAGR return of 8.80% since inception.
- The fund's asset allocation comprises around 20.74% in equities, 66.75% in debts, and 12.23% 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
+13.85%
+12.21% (Cat Avg.)
3 Years
+9.17%
+8.27% (Cat Avg.)
5 Years
+9.70%
+8.97% (Cat Avg.)
10 Years
+8.18%
+7.13% (Cat Avg.)
Since Inception
+8.80%
— (Cat Avg.)
Portfolio Summaryas of 31st October 2024
| Equity | ₹38.33 Cr | 20.74% |
| Debt | ₹123.37 Cr | 66.75% |
| Others | ₹23.12 Cr | 12.51% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 7.32% Govt Stock 2030 | Bond - Gov't/Treasury | ₹23.3 Cr | 12.59% |
| 7.02% Govt Stock 2031 | Bond - Gov't/Treasury | ₹15.56 Cr | 8.41% |
| Power Grid Corporation Of India Limited | Bond - Corporate Bond | ₹10.8 Cr | 5.84% |
| Treps / Reverse Repo Investments | Cash - Repurchase Agreement | ₹10.74 Cr | 5.80% |
| Rec Limited | Bond - Corporate Bond | ₹10.44 Cr | 5.64% |
| Indian Oil Corporation Limited | Bond - Corporate Bond | ₹10.38 Cr | 5.61% |
| 7.1% Govt Stock 2029 | Bond - Gov't/Treasury | ₹10.15 Cr | 5.48% |
| 7.06% Govt Stock 2028 | Bond - Gov't/Treasury | ₹10.13 Cr | 5.48% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹7.6 Cr | 4.11% |
| HDFC Bank Ltd | Equity | ₹5.31 Cr | 2.87% |
| Export Import Bank Of India | Bond - Corporate Bond | ₹5.3 Cr | 2.87% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹5.26 Cr | 2.84% |
| HDFC Bank Limited | Bond - Corporate Bond | ₹5.26 Cr | 2.84% |
| 7.37% Govt Stock 2028 | Bond - Gov't/Treasury | ₹5.11 Cr | 2.76% |
| 7.1% Govt Stock 2034 | Bond - Gov't/Treasury | ₹5.11 Cr | 2.76% |
| 5.74% Govt Stock 2026 | Bond - Gov't/Treasury | ₹5.04 Cr | 2.72% |
| ICICI Bank Ltd | Equity | ₹3.96 Cr | 2.14% |
| 5.63% Govt Stock 2026 | Bond - Gov't/Treasury | ₹2.92 Cr | 1.58% |
| Bajaj Finance Ltd | Equity | ₹2.35 Cr | 1.27% |
| ITC Ltd | Equity | ₹2.23 Cr | 1.20% |
| Mahindra & Mahindra Ltd | Equity | ₹2.2 Cr | 1.19% |
| SBI Life Insurance Co Ltd | Equity | ₹1.83 Cr | 0.99% |
| Axis Bank Ltd | Equity | ₹1.66 Cr | 0.90% |
| Jubilant Ingrevia Ltd Ordinary Shares | Equity | ₹1.65 Cr | 0.89% |
| Kotak Mahindra Bank Ltd | Equity | ₹1.4 Cr | 0.76% |
| Alembic Pharmaceuticals Ltd | Equity | ₹1.28 Cr | 0.69% |
| NTPC Ltd | Equity | ₹1.27 Cr | 0.69% |
| Samvardhana Motherson International Ltd | Equity | ₹1.26 Cr | 0.68% |
| Sharda Cropchem Ltd | Equity | ₹1.25 Cr | 0.68% |
| Suven Pharmaceuticals Ltd | Equity | ₹1.21 Cr | 0.65% |
| 7.38% Govt Stock 2027 | Bond - Gov't/Treasury | ₹1.04 Cr | 0.56% |
| Cipla Ltd | Equity | ₹1.02 Cr | 0.55% |
| Ntpc Limited | Bond - Corporate Bond | ₹0.92 Cr | 0.50% |
| Oil & Natural Gas Corp Ltd | Equity | ₹0.91 Cr | 0.49% |
| Indigo Paints Ltd Ordinary Shares | Equity | ₹0.86 Cr | 0.47% |
| HCL Technologies Ltd | Equity | ₹0.77 Cr | 0.42% |
| TeamLease Services Ltd | Equity | ₹0.77 Cr | 0.42% |
| Indus Towers Ltd Ordinary Shares | Equity | ₹0.77 Cr | 0.41% |
| Power Finance Corp Ltd | Equity | ₹0.71 Cr | 0.39% |
| Hero MotoCorp Ltd | Equity | ₹0.68 Cr | 0.37% |
| Infosys Ltd | Equity | ₹0.65 Cr | 0.35% |
| Tech Mahindra Ltd | Equity | ₹0.6 Cr | 0.32% |
| La Opala RG Ltd | Equity | ₹0.55 Cr | 0.30% |
| Net Receivables/Payables | Cash | ₹-0.52 Cr | 0.28% |
| SBI Funds Management Pvt Ltd/Fund Parent | Mutual Fund - Open End | ₹0.52 Cr | 0.28% |
| Godrej Industries Ltd | Equity | ₹0.52 Cr | 0.28% |
| SBI Cards and Payment Services Ltd Ordinary Shares | Equity | ₹0.47 Cr | 0.25% |
| Sun Pharmaceuticals Industries Ltd | Equity | ₹0.41 Cr | 0.22% |
| Ipca Laboratories Ltd | Equity | ₹0.33 Cr | 0.18% |
| 07.83 GJ Sdl 2026 | Bond - Gov't/Treasury | ₹0.31 Cr | 0.17% |
| ICICI Lombard General Insurance Co Ltd | Equity | ₹0.3 Cr | 0.16% |
| Coforge Ltd | Equity | ₹0.3 Cr | 0.16% |
| Thyrocare Technologies Ltd | Equity | ₹0.18 Cr | 0.10% |
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹18 Cr | 9.73% |
| Consumer Cyclical | ₹4.69 Cr | 2.53% |
| Healthcare | ₹4.44 Cr | 2.40% |
| Basic Materials | ₹3.76 Cr | 2.03% |
| Technology | ₹2.32 Cr | 1.25% |
| Consumer Defensive | ₹2.23 Cr | 1.20% |
| Industrials | ₹1.29 Cr | 0.69% |
| Utilities | ₹1.27 Cr | 0.69% |
| Energy | ₹0.91 Cr | 0.49% |
| Communication Services | ₹0.77 Cr | 0.41% |
Risk & Performance Ratios
Standard Deviation
This fund
3.67%
Cat. avg.
4.16%
Lower the better
Sharpe Ratio
This fund
0.88
Cat. avg.
0.58
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
1.15
Higher the better
Fund Managers
AS
Abhishek Singh
Since May 2021
SG
Shantanu Godambe
Since August 2024
Additional Scheme Detailsas of 31st October 2024
ISIN INF740K01NO5 | Expense Ratio 0.50% | Exit Load No Charges | Fund Size ₹185 Cr | Age 11 years 10 months | 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% | ₹119.55 Cr | 10.2% |
| Sundaram Debt Oriented Hybrid Fund Regular Growth Moderate Risk | 2.2% | 0.0% | ₹27.57 Cr | 10.1% |
| Parag Parikh Conservative Hybrid Fund Direct Growth Moderately High risk | 0.3% | 1.0% | ₹2296.30 Cr | 14.9% |
| Parag Parikh Conservative Hybrid Fund Regular Growth Moderately High risk | 0.6% | 1.0% | ₹2296.30 Cr | 14.6% |
| UTI Regular Savings Fund Regular Growth Moderately High risk | 1.8% | 1.0% | ₹1645.46 Cr | 13.9% |
| ICICI Prudential Regular Savings Fund Regular Growth High Risk | 1.7% | 1.0% | ₹3220.38 Cr | 12.8% |
| Nippon India Hybrid Bond Fund Regular Growth High Risk | 1.9% | 1.0% | ₹829.03 Cr | 8.9% |
| SBI Conservative Hybrid Fund Regular Growth High Risk | 1.1% | 1.0% | ₹9999.24 Cr | 12.7% |
| Canara Robeco Conservative Hybrid Fund Regular Growth Moderately High risk | 1.8% | 1.0% | ₹951.77 Cr | 11.9% |
| DSP Regular Saving Fund Regular Growth Moderately High risk | 1.1% | 0.0% | ₹184.82 Cr | 13.1% |
About the AMC
DSP Mutual Fund
Total AUM
₹1,91,740 Cr
Address
West Wing, 11th Floor, Mumbai, 400021
Other Funds by DSP Mutual Fund
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-Nov-2024, is ₹62.28.
What are the returns of DSP Regular Saving Fund Direct Growth?
The fund has generated 13.85% over the last 1 year and 9.17% 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 20.74% in equities, 66.75% in bonds, and 12.23% 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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Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377, a member of BSE with SEBI Stock Broker Registration no. INZ000303136, and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.