DSP Regular Saving Fund Direct Growth

Fund Overview

Fund Size

₹175 Cr

Expense Ratio

0.64%

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 13 years, 10 months and 12 days, having been launched on 01-Jan-13.
As of 12-Nov-26, it has a Net Asset Value (NAV) of ₹70.19, Assets Under Management (AUM) of 175.30 Crores, and an expense ratio of 0.64%.

DSP Regular Saving Fund Direct Growth has given a CAGR return of 8.43% since inception.
The fund's asset allocation comprises around 22.60% in equities, 59.41% in debts, and 17.99% 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

+4.20%

+2.09% (Cat Avg.)

3 Years

+8.88%

+7.31% (Cat Avg.)

5 Years

+7.84%

+6.80% (Cat Avg.)

10 Years

+7.50%

+6.69% (Cat Avg.)

Since Inception

+8.43%

— (Cat Avg.)

Portfolio Summaryas of 15th October 2026

Equity	₹39.61 Cr	22.60%
Debt	₹104.15 Cr	59.41%
Others	₹31.53 Cr	17.99%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
7.32% Govt Stock 2030	Bond - Gov't/Treasury	₹20.72 Cr	11.86%
6.75% Govt Stock 2033	Bond - Gov't/Treasury	₹15.6 Cr	8.93%
7.03% Maharashtra Sgs 2038	Bond - Gov't/Treasury	₹14.22 Cr	8.14%
7.06% Govt Stock 2028	Bond - Gov't/Treasury	₹10.07 Cr	5.76%
Small Industries Dev Bank Of India	Cash - CD/Time Deposit	₹9.8 Cr	5.61%
IDFC First Bank Limited	Cash - CD/Time Deposit	₹9.79 Cr	5.60%
6.48% Govt Stock 2035	Bond - Gov't/Treasury	₹9.45 Cr	5.41%
Muthoot Finance Limited	Bond - Corporate Bond	₹7.69 Cr	4.40%
6.64% Govt Stock 2031	Bond - Gov't/Treasury	₹5.24 Cr	3.00%
7.1% Govt Stock 2029	Bond - Gov't/Treasury	₹5.2 Cr	2.98%
5.74% Govt Stock 2026	Bond - Gov't/Treasury	₹5.12 Cr	2.93%
7.02% Govt Stock 2031	Bond - Gov't/Treasury	₹5.08 Cr	2.91%
Cholamandalam Investment And Finance Company Limited	Bond - Corporate Bond	₹5.03 Cr	2.88%
7.1% Govt Stock 2034	Bond - Gov't/Treasury	₹4.93 Cr	2.82%
HDFC Bank Limited	Cash - CD/Time Deposit	₹4.91 Cr	2.81%
HDFC Bank Ltd	Equity	₹4.87 Cr	2.79%
ICICI Bank Ltd	Equity	₹3.36 Cr	1.92%
ITC Ltd	Equity	₹1.97 Cr	1.13%
Mahindra & Mahindra Ltd	Equity	₹1.84 Cr	1.05%
Infosys Ltd	Equity	₹1.82 Cr	1.04%
Cipla Ltd	Equity	₹1.8 Cr	1.03%
NTPC Ltd	Equity	₹1.7 Cr	0.97%
Kotak Mahindra Bank Ltd	Equity	₹1.53 Cr	0.88%
Indus Towers Ltd Ordinary Shares	Equity	₹1.47 Cr	0.84%
Indigo Paints Ltd Ordinary Shares	Equity	₹1.45 Cr	0.83%
Alkem Laboratories Ltd	Equity	₹1.45 Cr	0.83%
Treps / Reverse Repo Investments	Cash - Repurchase Agreement	₹1.41 Cr	0.81%
Axis Bank Ltd	Equity	₹1.4 Cr	0.80%
Oil & Natural Gas Corp Ltd	Equity	₹1.32 Cr	0.75%
HDFC Life Insurance Co Ltd	Equity	₹1.29 Cr	0.74%
HDFC Asset Management Co Ltd	Equity	₹1.28 Cr	0.73%
SBI Life Insurance Co Ltd	Equity	₹1.23 Cr	0.70%
Hero MotoCorp Ltd	Equity	₹1.14 Cr	0.65%
Maruti Suzuki India Ltd	Equity	₹1.06 Cr	0.60%
Canara HSBC Life Insurance Co Ltd	Equity	₹0.91 Cr	0.52%
Petronet LNG Ltd	Equity	₹0.9 Cr	0.51%
ICICI Lombard General Insurance Co Ltd	Equity	₹0.82 Cr	0.47%
Cohance Lifesciences Ltd	Equity	₹0.77 Cr	0.44%
Syngene International Ltd	Equity	₹0.6 Cr	0.35%
SBI Funds Management Private Ltd	Bond - Corporate Bond	₹0.6 Cr	0.35%
Knowledge Realty Trust Units	Equity - REIT	₹0.54 Cr	0.31%
Life Insurance Corporation of India	Equity	₹0.45 Cr	0.26%
Coromandel International Ltd	Equity	₹0.42 Cr	0.24%
Net Receivables/Payables	Cash	₹0.41 Cr	0.24%
Alembic Pharmaceuticals Ltd	Equity	₹0.38 Cr	0.22%
La Opala RG Ltd	Equity	₹0.34 Cr	0.19%
Cyient Ltd	Equity	₹0.31 Cr	0.18%
Oberoi Realty Ltd	Equity	₹0.28 Cr	0.16%
Indian Oil Corp Ltd	Equity	₹0.25 Cr	0.14%
Bharat Petroleum Corp Ltd	Equity	₹0.25 Cr	0.14%
Hindustan Petroleum Corp Ltd	Equity	₹0.24 Cr	0.14%
Ipca Laboratories Ltd	Equity	₹0.07 Cr	0.04%

Allocation By Market Cap (Equity)

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Sector	Amount	Holdings
Financial Services	₹17.14 Cr	9.81%
Healthcare	₹5.06 Cr	2.90%
Consumer Cyclical	₹4.37 Cr	2.50%
Energy	₹2.94 Cr	1.68%
Consumer Defensive	₹1.97 Cr	1.13%
Basic Materials	₹1.88 Cr	1.07%
Technology	₹1.82 Cr	1.04%
Utilities	₹1.7 Cr	0.97%
Communication Services	₹1.47 Cr	0.84%
Industrials	₹0.31 Cr	0.18%
Real Estate	₹0.28 Cr	0.16%

Risk & Performance Ratios

Fund Managers

Abhishek Singh

Since May 2021

Shantanu Godambe

Since August 2024

Additional Scheme Detailsas of 15th October 2026

ISIN

INF740K01NO5

Expense Ratio

0.64%

Exit Load

No Charges

Fund Size

₹175 Cr

Age

13 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
Nippon India Capital Protection Oriented Fund II Plan A Direct Growth Low Risk	-	-	₹40.32 Cr	9.7%
Nippon India Capital Protection Oriented Fund II Plan A Regular Growth Low Risk	-	-	₹40.32 Cr	8.9%
SBI Capital Protection Oriented Fund Series A (Plan 8) Direct Growth Low to Moderate Risk	-	-	₹29.47 Cr	6.6%
SBI Capital Protection Oriented Fund Series A (Plan 8) Regular Growth Low to Moderate Risk	-	-	₹29.47 Cr	6.0%
ICICI Prudential Regular Savings Fund Direct Growth High Risk	1.0%	1.0%	₹3269.92 Cr	3.7%
Navi Regular Savings Fund Direct Growth Moderate Risk	0.3%	0.0%	₹35.76 Cr	11.3%
Bandhan Regular Savings Fund Direct Growth Moderately High risk	0.9%	0.0%	₹85.56 Cr	4.2%
Nippon India Hybrid Bond Fund Direct Growth High Risk	1.0%	1.0%	₹977.17 Cr	6.2%
ITI Conservative Hybrid Fund Regular Growth Moderate Risk	1.6%	0.0%	₹14.80 Cr	7.4%
ITI Conservative Hybrid Fund Direct Growth Moderate Risk	0.2%	0.0%	₹14.80 Cr	8.9%
Kotak Debt Hybrid Fund Direct Growth Moderately High risk	0.6%	1.0%	₹2732.82 Cr	2.9%
Navi Regular Savings Fund Regular Growth Moderate Risk	2.0%	0.0%	₹35.76 Cr	9.4%
HSBC Conservative Hybrid Fund Direct Growth Moderately High risk	1.2%	0.0%	₹151.68 Cr	3.7%
Bank of India Conservative Hybrid Fund Direct Growth Moderately High risk	1.2%	1.0%	₹65.93 Cr	3.2%
Axis Regular Saver Fund Regular Growth Very High Risk	2.2%	1.0%	₹217.15 Cr	1.0%
UTI Regular Savings Fund Direct Growth Moderately High risk	1.3%	1.0%	₹1602.20 Cr	1.5%
Axis Regular Saver Fund Direct Growth Very High Risk	1.2%	1.0%	₹217.15 Cr	2.1%
HDFC Hybrid Debt Fund Direct Growth Moderately High risk	1.2%	1.0%	₹3108.02 Cr	2.1%
Aditya Birla Sun Life Regular Savings Fund Direct Growth Moderately High risk	1.0%	1.0%	₹1467.08 Cr	3.9%
Baroda BNP Paribas Conservative Hybrid Fund Direct Growth Moderate Risk	0.5%	1.0%	₹949.15 Cr	4.7%
SBI Conservative Hybrid Fund Direct Growth Moderately High risk	1.0%	1.0%	₹10107.43 Cr	4.0%
Sundaram Debt Oriented Hybrid Fund Direct Growth Moderate Risk	1.1%	0.0%	₹18.32 Cr	0.1%
Canara Robeco Conservative Hybrid Fund Direct Growth Moderately High risk	0.8%	1.0%	₹810.71 Cr	3.9%
LIC MF Conservative Hybrid Fund Direct Growth Moderate Risk	1.7%	1.0%	₹45.84 Cr	2.2%
DSP Regular Saving Fund Direct Growth Moderately High risk	0.6%	0.0%	₹175.30 Cr	4.2%
Franklin India Debt Hybrid Fund Direct Growth Moderately High risk	0.8%	0.0%	₹208.08 Cr	2.4%
Kotak Debt Hybrid Fund Regular Growth Moderately High risk	1.8%	1.0%	₹2732.82 Cr	1.7%
Aditya Birla Sun Life Regular Savings Fund Regular Growth Moderately High risk	1.8%	1.0%	₹1467.08 Cr	3.0%
LIC MF Conservative Hybrid Fund Regular Growth Moderate Risk	2.3%	1.0%	₹45.84 Cr	1.3%
Baroda BNP Paribas Conservative Hybrid Fund Regular Growth Moderate Risk	2.0%	1.0%	₹949.15 Cr	3.1%
HDFC Hybrid Debt Fund Regular Growth Moderately High risk	1.7%	1.0%	₹3108.02 Cr	1.5%
HSBC Conservative Hybrid Fund Regular Growth Moderately High risk	2.2%	0.0%	₹151.68 Cr	2.7%
Bank of India Conservative Hybrid Fund Regular Growth Moderately High risk	2.3%	1.0%	₹65.93 Cr	2.2%
Franklin India Debt Hybrid Fund Regular Growth Moderately High risk	1.4%	0.0%	₹208.08 Cr	1.8%
DSP Regular Saving Fund Regular Growth Moderately High risk	1.3%	0.0%	₹175.30 Cr	3.5%
Canara Robeco Conservative Hybrid Fund Regular Growth Moderately High risk	1.9%	1.0%	₹810.71 Cr	2.7%
SBI Conservative Hybrid Fund Regular Growth Moderately High risk	1.5%	1.0%	₹10107.43 Cr	3.5%
Nippon India Hybrid Bond Fund Regular Growth High Risk	1.8%	1.0%	₹977.17 Cr	5.4%
ICICI Prudential Regular Savings Fund Regular Growth High Risk	1.7%	1.0%	₹3269.92 Cr	2.9%
UTI Regular Savings Fund Regular Growth Moderately High risk	1.9%	1.0%	₹1602.20 Cr	0.9%
Parag Parikh Conservative Hybrid Fund Regular Growth Moderately High risk	0.7%	1.0%	₹3453.72 Cr	3.3%
Parag Parikh Conservative Hybrid Fund Direct Growth Moderately High risk	0.3%	1.0%	₹3453.72 Cr	3.7%
Sundaram Debt Oriented Hybrid Fund Regular Growth Moderate Risk	1.9%	0.0%	₹18.32 Cr	-0.5%
Bandhan Regular Savings Fund Regular Growth Moderately High risk	2.0%	0.0%	₹85.56 Cr	3.2%

About the AMC

DSP Mutual Fund

+91 18002084499

https://www.dspim.com/

Total AUM

₹2,39,462 Cr

Address

West Wing, 11th Floor, Mumbai, 400021

Other Funds by DSP Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
DSP Fixed Maturity Plan Series 280 90 Days Direct Growth Moderate Risk	-	0.0%	-	-
DSP Financial Services Sectoral Debt Fund Direct Growth Low to Moderate Risk	0.5%	0.0%	₹684.64 Cr	-
DSP Multi Asset Omni Fund of Funds Direct Growth Very High Risk	0.9%	0.0%	₹865.56 Cr	-
DSP Nifty 500 Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹16.61 Cr	-
DSP Fixed Maturity Plan Series 277 789 Days Direct Growth High Risk	-	0.0%	-	-
DSP Nifty Smallcap 250 Index Fund Direct Growth Very High Risk	0.5%	0.0%	₹17.51 Cr	-
DSP Nifty Midcap 150 Index Fund Direct Growth Very High Risk	0.4%	0.0%	₹17.56 Cr	-
DSP Nifty500 Flexicap Quality 30 Index Fund Direct Growth Very High Risk	0.7%	0.0%	₹197.87 Cr	-5.0%
DSP Nifty IT Index Fund Direct Growth Very High Risk	0.5%	0.0%	₹103.29 Cr	-9.0%
DSP Nifty Healthcare Index Fund Direct Growth Very High Risk	0.4%	0.0%	₹24.92 Cr	18.7%
DSP Silver ETF Fund of Fund Direct Growth Very High Risk	0.9%	0.0%	₹682.24 Cr	18.5%
DSP Nifty Private Bank Index Fund Direct Growth Very High Risk	0.5%	0.0%	₹106.11 Cr	6.9%
DSP BSE SENSEX Next 30 Index Fund Direct Growth Very High Risk	0.4%	0.0%	₹28.22 Cr	6.3%
DSP Business Cycle Fund Direct Growth Very High Risk	1.2%	0.0%	₹1473.57 Cr	6.5%
DSP Nifty Top 10 Equal Weight Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹1044.46 Cr	-4.9%
DSP Nifty Bank Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹61.38 Cr	6.0%
DSP US Treasury Fund of Fund Direct Growth Very High Risk	0.2%	0.0%	₹52.10 Cr	3.6%
DSP Nifty Healthcare ETF Regular Growth Very High Risk	0.2%	-	₹14.94 Cr	11.4%
DSP Multicap Fund Direct Growth Low Risk	0.7%	1.0%	₹2878.27 Cr	2.0%
DSP Nifty Smallcap250 Quality 50 Index Fund Direct Growth Very High Risk	0.4%	0.0%	₹301.68 Cr	-3.3%
DSP Banking & Financial Services Fund Direct Growth Very High Risk	0.8%	0.0%	₹2034.26 Cr	11.5%
DSP Gold ETF Fund of Fund Direct Growth High Risk	1.0%	0.0%	₹551.49 Cr	9.7%
DSP Multi Asset Allocation Fund Direct Growth Very High Risk	0.6%	1.0%	₹10819.82 Cr	9.0%
DSP FMP - Series 264 - 60M - 17D Direct Growth Low Risk	-	0.0%	₹54.64 Cr	5.8%
DSP FMP Series 267 - 1246 Days Direct Growth Low Risk	-	0.0%	₹717.68 Cr	5.5%
DSP FMP Series 261 37 Month Direct Growth Moderate Risk	-	-	-	-
DSP Fixed Maturity Plan Series 270 1144 Days Direct Growth Low Risk	-	0.0%	₹180.35 Cr	5.5%
DSP FMP Series 268 - 1281 Days Direct Growth Low Risk	-	-	₹122.54 Cr	5.7%
DSP FMP Series 252 38 Month Direct Growth Moderate Risk	-	0.0%	-	-
DSP Banking & PSU Debt Fund Direct Growth Low Risk	0.3%	0.0%	₹2589.88 Cr	3.4%
DSP Dynamic Asset Allocation Fund Direct Growth Very High Risk	1.0%	1.0%	₹3703.78 Cr	6.6%
DSP Overnight Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹3194.12 Cr	5.3%
DSP Nifty 50 Index Fund Direct Growth Very High Risk	0.2%	0.0%	₹1047.13 Cr	-1.4%
DSP Nifty Next 50 Index Fund Direct Growth Very High Risk	0.4%	0.0%	₹1349.90 Cr	5.9%
DSP Healthcare Fund Direct Growth Very High Risk	0.8%	0.0%	₹3750.04 Cr	19.6%
DSP Global Allocation Fund Direct Growth Very High Risk	0.7%	0.0%	₹1620.62 Cr	4.6%
DSP Quant Fund Direct Growth Very High Risk	1.0%	0.0%	₹710.89 Cr	-2.6%
DSP Low Duration Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹4454.61 Cr	5.7%
DSP Value Fund Direct Growth Very High Risk	1.6%	1.0%	₹2224.54 Cr	8.8%
DSP Nifty SDL Plus G-Sec Jun 2028 30:70 Index Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹1641.62 Cr	4.9%
DSP Bond Fund Direct Growth Moderately High risk	0.4%	0.0%	₹248.75 Cr	3.6%
DSP Flexi Cap Fund Direct Growth Very High Risk	0.9%	1.0%	₹11719.54 Cr	2.7%
DSP Government Securities Direct Growth Moderate Risk	0.6%	0.0%	₹1082.59 Cr	2.5%
DSP Equity & Bond Fund Direct Growth Very High Risk	0.8%	1.0%	₹11311.98 Cr	0.8%
DSP Focus Fund Direct Growth Very High Risk	1.1%	1.0%	₹2503.17 Cr	5.4%
DSP Credit Risk Fund Direct Growth Moderate Risk	0.4%	3.0%	₹325.92 Cr	10.6%
DSP India TIGER Fund Direct Growth Very High Risk	1.1%	1.0%	₹6264.82 Cr	12.3%
DSP Liquidity Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹24725.51 Cr	6.6%
DSP Regular Saving Fund Direct Growth Moderately High risk	0.6%	0.0%	₹175.30 Cr	4.2%
DSP Small Cap Fund Direct Growth Very High Risk	0.8%	1.0%	₹21467.11 Cr	14.0%

Risk Level

Your principal amount will be at Moderately High risk

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

The NAV of DSP Regular Saving Fund Direct Growth, as of 12-Nov-2026, is ₹70.19.

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

The fund has generated 4.20% over the last 1 year and 8.88% 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 22.60% in equities, 59.41% in bonds, and 17.99% 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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DSP Regular Saving Fund Direct Growth

Fund Overview