DSP Regular Saving Fund Direct Growth
HybridConservative AllocationModerately High risk
Direct
NAV (10-Sep-24)
Returns (Since Inception)
Fund Overview
Fund Size
₹178 Cr
Expense Ratio
0.50%
ISIN
INF740K01NO5
Minimum SIP
₹100
Exit Load
No Charges
Inception Date
01 Jan 2013
About this fund
As of 10-Sep-24, it has a Net Asset Value (NAV) of ₹62.31, Assets Under Management (AUM) of 178.41 Crores, and an expense ratio of 0.5%.
- DSP Regular Saving Fund Direct Growth has given a CAGR return of 8.95% since inception.
- The fund's asset allocation comprises around 21.87% in equities, 75.17% in debts, and 2.67% 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
+15.94%
+12.49% (Cat Avg.)
3 Years
+8.96%
+8.48% (Cat Avg.)
5 Years
+10.47%
+9.34% (Cat Avg.)
10 Years
+8.65%
+7.41% (Cat Avg.)
Since Inception
+8.95%
— (Cat Avg.)
Portfolio Summaryas of 31st August 2024
| Equity | ₹39.02 Cr | 21.87% |
| Debt | ₹134.11 Cr | 75.17% |
| Others | ₹5.28 Cr | 2.96% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 7.32% Govt Stock 2030 | Bond - Gov't/Treasury | ₹23.03 Cr | 12.91% |
| 7.02% Govt Stock 2031 | Bond - Gov't/Treasury | ₹15.37 Cr | 8.61% |
| Power Grid Corporation Of India Limited | Bond - Corporate Bond | ₹10.66 Cr | 5.97% |
| 7.1% Govt Stock 2029 | Bond - Gov't/Treasury | ₹10.38 Cr | 5.82% |
| 7.06% Govt Stock 2028 | Bond - Gov't/Treasury | ₹10.36 Cr | 5.81% |
| Rec Limited | Bond - Corporate Bond | ₹10.31 Cr | 5.78% |
| Indian Oil Corporation Limited | Bond - Corporate Bond | ₹10.25 Cr | 5.74% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹7.5 Cr | 4.20% |
| 7.37% Govt Stock 2028 | Bond - Gov't/Treasury | ₹5.24 Cr | 2.93% |
| Export Import Bank Of India | Bond - Corporate Bond | ₹5.23 Cr | 2.93% |
| 7.1% Govt Stock 2034 | Bond - Gov't/Treasury | ₹5.22 Cr | 2.93% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹5.2 Cr | 2.91% |
| HDFC Bank Limited | Bond - Corporate Bond | ₹5.19 Cr | 2.91% |
| HDFC Bank Ltd | Equity | ₹5.01 Cr | 2.81% |
| 5.74% Govt Stock 2026 | Bond - Gov't/Treasury | ₹4.98 Cr | 2.79% |
| Treps / Reverse Repo Investments | Cash - Repurchase Agreement | ₹4.32 Cr | 2.42% |
| ICICI Bank Ltd | Equity | ₹3.77 Cr | 2.11% |
| 5.63% Govt Stock 2026 | Bond - Gov't/Treasury | ₹2.96 Cr | 1.66% |
| ITC Ltd | Equity | ₹2.29 Cr | 1.28% |
| Bajaj Finance Ltd | Equity | ₹2.1 Cr | 1.18% |
| Mahindra & Mahindra Ltd | Equity | ₹2.08 Cr | 1.17% |
| SBI Life Insurance Company Limited | Equity | ₹1.89 Cr | 1.06% |
| Axis Bank Ltd | Equity | ₹1.68 Cr | 0.94% |
| Jubilant Ingrevia Ltd Ordinary Shares | Equity | ₹1.51 Cr | 0.85% |
| Kotak Mahindra Bank Ltd | Equity | ₹1.44 Cr | 0.81% |
| Suven Pharmaceuticals Ltd | Equity | ₹1.38 Cr | 0.78% |
| Samvardhana Motherson International Ltd | Equity | ₹1.36 Cr | 0.76% |
| NTPC Ltd | Equity | ₹1.3 Cr | 0.73% |
| Alembic Pharmaceuticals Ltd | Equity | ₹1.2 Cr | 0.67% |
| Oil & Natural Gas Corp Ltd | Equity | ₹1.13 Cr | 0.63% |
| Cipla Ltd | Equity | ₹1.09 Cr | 0.61% |
| Indus Towers Ltd Ordinary Shares | Equity | ₹1.03 Cr | 0.58% |
| 7.38% Govt Stock 2027 | Bond - Gov't/Treasury | ₹1.03 Cr | 0.58% |
| Sharda Cropchem Ltd | Equity | ₹0.93 Cr | 0.52% |
| Ntpc Limited | Bond - Corporate Bond | ₹0.9 Cr | 0.51% |
| Ipca Laboratories Ltd | Equity | ₹0.87 Cr | 0.49% |
| Power Finance Corp Ltd | Equity | ₹0.86 Cr | 0.48% |
| HCL Technologies Ltd | Equity | ₹0.77 Cr | 0.43% |
| Hero MotoCorp Ltd | Equity | ₹0.74 Cr | 0.42% |
| Infosys Ltd | Equity | ₹0.72 Cr | 0.40% |
| TeamLease Services Ltd | Equity | ₹0.68 Cr | 0.38% |
| Tech Mahindra Ltd | Equity | ₹0.61 Cr | 0.34% |
| La Opala RG Ltd | Equity | ₹0.53 Cr | 0.30% |
| SBI Funds Management Pvt Ltd/Fund Parent | Mutual Fund - Open End | ₹0.52 Cr | 0.29% |
| Godrej Industries Ltd | Equity | ₹0.5 Cr | 0.28% |
| SBI Cards and Payment Services Ltd Ordinary Shares | Equity | ₹0.49 Cr | 0.28% |
| Net Receivables/Payables | Cash | ₹0.44 Cr | 0.25% |
| Sun Pharmaceuticals Industries Ltd | Equity | ₹0.4 Cr | 0.23% |
| ICICI Lombard General Insurance Co Ltd | Equity | ₹0.33 Cr | 0.19% |
| 07.83 GJ Sdl 2026 | Bond - Gov't/Treasury | ₹0.31 Cr | 0.17% |
| Coforge Ltd | Equity | ₹0.25 Cr | 0.14% |
| Thyrocare Technologies Ltd | Equity | ₹0.07 Cr | 0.04% |
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹17.57 Cr | 9.85% |
| Healthcare | ₹5.01 Cr | 2.81% |
| Consumer Cyclical | ₹4.72 Cr | 2.64% |
| Basic Materials | ₹2.44 Cr | 1.37% |
| Technology | ₹2.34 Cr | 1.31% |
| Consumer Defensive | ₹2.29 Cr | 1.28% |
| Utilities | ₹1.3 Cr | 0.73% |
| Industrials | ₹1.18 Cr | 0.66% |
| Energy | ₹1.13 Cr | 0.63% |
| Communication Services | ₹1.03 Cr | 0.58% |
Risk & Performance Ratios
Standard Deviation
This fund
3.66%
Cat. avg.
4.23%
Lower the better
Sharpe Ratio
This fund
0.81
Cat. avg.
0.64
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
1.37
Higher the better
Fund Managers
Abhishek Singh
Since May 2021
Shantanu Godambe
Since August 2024
Additional Scheme Detailsas of 31st August 2024
ISIN | INF740K01NO5 | Expense Ratio | 0.50% | Exit Load | No Charges | Fund Size | ₹178 Cr | Age | 01 Jan 2013 | 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:
- If units are sold after 1 year from the date of investment: Gains up to INR 1.25 lakh in a financial year are exempt from tax. Any gains exceeding INR 1.25 lakh are taxed at a rate of 12.5%.
- If units are sold within 1 year from the date of investment: The entire amount of gain is taxed at a rate of 20%.
- Holding the units: No tax is applicable as long as you continue to hold the units.
Dividend Taxation:
Dividends are added to the investor’s income and taxed according to their respective tax slabs. Additionally, if an investors dividend income exceeds INR 5,000 in a financial year, the fund house deducts a 10% Tax Deducted at Source (TDS) before distributing the dividend.
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% | ₹116.26 Cr | 12.6% |
| Sundaram Debt Oriented Hybrid Fund Regular Growth Moderate Risk | 2.1% | 0.0% | ₹26.73 Cr | 11.0% |
| Parag Parikh Conservative Hybrid Fund Direct Growth Moderately High risk | 0.3% | 1.0% | ₹2148.47 Cr | 16.5% |
| Parag Parikh Conservative Hybrid Fund Regular Growth Moderately High risk | 0.6% | 1.0% | ₹2148.47 Cr | 16.1% |
| UTI Regular Savings Fund Regular Growth Moderately High risk | 1.8% | 1.0% | ₹1637.97 Cr | 15.8% |
| ICICI Prudential Regular Savings Fund Regular Growth High Risk | 1.7% | 1.0% | ₹3380.20 Cr | 14.9% |
| Nippon India Hybrid Bond Fund Regular Growth High Risk | 1.9% | 1.0% | ₹825.74 Cr | 9.6% |
| SBI Conservative Hybrid Fund Regular Growth High Risk | 1.1% | 1.0% | ₹10006.83 Cr | 14.4% |
| Canara Robeco Conservative Hybrid Fund Regular Growth Moderately High risk | 1.8% | 1.0% | ₹968.86 Cr | 12.6% |
| DSP Regular Saving Fund Regular Growth Moderately High risk | 1.2% | 0.0% | ₹178.41 Cr | 15.2% |
About the AMC
Total AUM
₹1,79,723 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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- Abhishek Singh
- Shantanu Godambe
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