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Fund Overview

Fund Size

Fund Size

₹173 Cr

Expense Ratio

Expense Ratio

0.60%

ISIN

ISIN

INF740K01NO5

Minimum SIP

Minimum SIP

₹100

Exit Load

Exit Load

No Charges

Inception Date

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, 4 months and 19 days, having been launched on 01-Jan-13.
As of 17-May-24, it has a Net Asset Value (NAV) of ₹58.63, Assets Under Management (AUM) of 173.24 Crores, and an expense ratio of 0.6%.
  • DSP Regular Saving Fund Direct Growth has given a CAGR return of 8.63% since inception.
  • The fund's asset allocation comprises around 24.70% in equities, 72.75% in debts, and 2.25% 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

+14.07%

+10.96% (Cat Avg.)

3 Years

+8.80%

+8.56% (Cat Avg.)

5 Years

+9.48%

+8.15% (Cat Avg.)

10 Years

+8.72%

+7.51% (Cat Avg.)

Since Inception

+8.63%

(Cat Avg.)

Portfolio Summaryas of 30th April 2024

Equity42.79 Cr24.70%
Debt126.04 Cr72.75%
Others4.41 Cr2.54%

Top Holdings

All Holdings

Equity

Debt & Others

NameType sortAmount sortHoldings sort
7.18% Govt Stock 2033Bond - Gov't/Treasury22.31 Cr12.88%
National Housing BankBond - Corporate Bond15.19 Cr8.77%
Power Grid Corporation Of India LimitedBond - Corporate Bond10.39 Cr6.00%
Rec LimitedBond - Corporate Bond10.05 Cr5.80%
Indian Oil Corporation LimitedBond - Corporate Bond10 Cr5.77%
7.06% Govt Stock 2028Bond - Gov't/Treasury10 Cr5.77%
7.1% Govt Stock 2029Bond - Gov't/Treasury9.99 Cr5.76%
Power Finance Corporation LimitedBond - Corporate Bond7.78 Cr4.49%
HDFC Bank LtdEquity5.91 Cr3.41%
ICICI Bank LtdEquity5.3 Cr3.06%
Export Import Bank Of IndiaBond - Corporate Bond5.11 Cr2.95%
National Bank For Agriculture And Rural DevelopmentBond - Corporate Bond5.06 Cr2.92%
HDFC Bank LimitedBond - Corporate Bond5.06 Cr2.92%
7.37% Govt Stock 2028Bond - Gov't/Treasury5.04 Cr2.91%
5.74% Govt Stock 2026Bond - Gov't/Treasury4.97 Cr2.87%
Treps / Reverse Repo Investments / Corporate Debt RepoCash - Repurchase Agreement3.74 Cr2.16%
5.63% Govt Stock 2026Bond - Gov't/Treasury2.88 Cr1.66%
Bajaj Finance LtdEquity2.69 Cr1.55%
ITC LtdEquity2.42 Cr1.39%
Mahindra & Mahindra LtdEquity2.23 Cr1.29%
Axis Bank LtdEquity2.06 Cr1.19%
SBI Life Insurance Company LimitedEquity1.9 Cr1.10%
Ipca Laboratories LtdEquity1.43 Cr0.82%
Tech Mahindra LtdEquity1.32 Cr0.76%
Suven Pharmaceuticals LtdEquity1.29 Cr0.75%
Sun Pharmaceuticals Industries LtdEquity1.27 Cr0.74%
Jubilant Ingrevia Ltd Ordinary SharesEquity1.27 Cr0.73%
Coromandel International LtdEquity1.26 Cr0.73%
Alembic Pharmaceuticals LtdEquity1.17 Cr0.68%
Cipla LtdEquity1.15 Cr0.66%
NTPC LtdEquity1.13 Cr0.65%
Eureka Forbes LtdEquity1.11 Cr0.64%
Samvardhana Motherson International LtdEquity1.03 Cr0.60%
7.38% Govt Stock 2027Bond - Gov't/Treasury1.03 Cr0.60%
Indus Towers Ltd Ordinary SharesEquity0.98 Cr0.56%
Oil & Natural Gas Corp LtdEquity0.97 Cr0.56%
ICICI Lombard General Insurance Co LtdEquity0.91 Cr0.52%
Sharda Cropchem LtdEquity0.91 Cr0.52%
HCL Technologies LtdEquity0.89 Cr0.51%
Ntpc LimitedBond - Corporate Bond0.88 Cr0.51%
Power Finance Corp LtdEquity0.69 Cr0.40%
Hero MotoCorp LtdEquity0.62 Cr0.36%
SBI Funds Management Pvt Ltd/Fund ParentMutual Fund - Open End0.51 Cr0.30%
SBI Cards and Payment Services Ltd Ordinary SharesEquity0.5 Cr0.29%
TeamLease Services LtdEquity0.39 Cr0.23%
07.83 GJ Sdl 2026Bond - Gov't/Treasury0.31 Cr0.18%
Net Receivables/PayablesCash0.15 Cr0.09%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

SectorAmount sortHoldings sort
Financial Services19.95 Cr11.52%
Healthcare6.31 Cr3.64%
Consumer Cyclical3.89 Cr2.24%
Basic Materials3.44 Cr1.98%
Technology3.32 Cr1.92%
Consumer Defensive2.42 Cr1.39%
Utilities1.13 Cr0.65%
Communication Services0.98 Cr0.56%
Energy0.97 Cr0.56%
Industrials0.39 Cr0.23%

Risk & Performance Ratios

Standard Deviation

This fund

3.52%

Cat. avg.

4.35%

Lower the better

Sharpe Ratio

This fund

0.93

Cat. avg.

0.70

Higher the better

Sortino Ratio

This fund

--

Cat. avg.

1.53

Higher the better

Fund Managers

KK

Kedar Karnik

Since July 2023

JK

Jay Kothari

Since March 2018

AS

Abhishek Singh

Since May 2021

Additional Scheme Detailsas of 30th April 2024

ISININF740K01NO5Expense Ratio0.60%Exit LoadNo ChargesFund Size₹173 CrAge01 Jan 2013Lumpsum Minimum₹100Fund StatusOpen Ended Investment CompanyBenchmarkCRISIL Hybrid 85+15 - ConservativeTR INR

Investment ObjectiveInvestment 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

Withdrawal within 1 year

Flat 15% tax on realised gains (STCG - short term capital gains)

Withdrawal after 1 year

10% tax on realised gains above Rs. 1 lakh per financial year (LTCG - long term capital gains)

Note: Mutual funds are subject to capital gains taxation with surcharge and cess, based on prevailing income tax rules and investor income. Taxation applies 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 nameExpense RatioExit LoadFund size
1Y
Bandhan Regular Savings Fund Regular Growth

Moderately High risk

2.0%0.0%₹116.20 Cr9.5%
Sundaram Debt Oriented Hybrid Fund Regular Growth

Moderate Risk

2.2%0.0%₹30.27 Cr9.2%
Parag Parikh Conservative Hybrid Fund Direct Growth

Moderately High risk

0.3%1.0%₹1940.54 Cr16.7%
Parag Parikh Conservative Hybrid Fund Regular Growth

Moderately High risk

0.7%1.0%₹1940.54 Cr16.3%
UTI Regular Savings Fund Regular Growth

Moderately High risk

1.8%1.0%₹1579.66 Cr13.0%
ICICI Prudential Regular Savings Fund Regular Growth

High Risk

1.7%1.0%₹3402.04 Cr14.2%
Nippon India Hybrid Bond Fund Regular Growth

High Risk

1.9%1.0%₹783.72 Cr9.0%
SBI Conservative Hybrid Fund Regular Growth

High Risk

1.1%1.0%₹9789.02 Cr13.9%
Canara Robeco Conservative Hybrid Fund Regular Growth

Moderately High risk

1.8%1.0%₹983.88 Cr10.8%
DSP Regular Saving Fund Regular Growth

Moderately High risk

1.1%0.0%₹173.24 Cr13.4%

About the AMC

Total AUM

₹1,43,004 Cr

Address

West Wing, 11th Floor, Mumbai, 400021

Other Funds by DSP Mutual Fund

Fund nameExpense RatioExit LoadFund size
1Y
DSP Multicap Fund Direct Growth

Low Risk

0.7%1.0%₹948.29 Cr-
DSP Nifty Smallcap250 Quality 50 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹70.06 Cr-
DSP Banking & Financial Services Fund Direct Growth

Very High Risk

1.0%0.0%₹609.13 Cr-
DSP Gold ETF Fund of Fund Direct Growth

High Risk

0.7%0.0%₹23.81 Cr-
DSP Multi Asset Allocation Fund Direct Growth

Very High Risk

0.2%1.0%₹1607.56 Cr-
DSP FMP - Series 264 - 60M - 17D Direct Growth

Low to Moderate Risk

-0.0%₹46.84 Cr7.0%
DSP FMP Series 267 - 1246 Days Direct Growth

Low to Moderate Risk

-0.0%₹630.93 Cr6.8%
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%-6.8%
DSP FMP Series 268 - 1281 Days Direct Growth

Low to Moderate Risk

---7.0%
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%₹2395.87 Cr7.1%
DSP Dynamic Asset Allocation Fund Direct Growth

Moderate Risk

0.8%1.0%₹3110.44 Cr20.4%
DSP Overnight Fund Direct Growth

Low Risk

0.1%0.0%₹2044.32 Cr6.8%
DSP Nifty 50 Index Fund Direct Growth

Very High Risk

0.2%0.0%₹520.26 Cr24.6%
DSP Nifty Next 50 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹520.02 Cr64.9%
DSP Healthcare Fund Direct Growth

Very High Risk

0.6%0.0%₹2343.94 Cr52.6%
DSP Global Allocation Fund Direct Growth

Very High Risk

1.4%0.0%₹61.58 Cr15.8%
DSP Low Duration Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹4088.28 Cr7.3%
DSP Value Fund Direct Growth

Very High Risk

0.9%1.0%₹812.45 Cr37.8%
DSP Nifty SDL Plus G-Sec Jun 2028 30:70 Index Fund Direct Growth

Moderate Risk

0.1%0.0%₹2295.78 Cr6.6%
DSP Bond Fund Direct Growth

Moderately High risk

0.4%0.0%₹357.79 Cr6.8%
DSP Flexi Cap Fund Direct Growth

Very High Risk

0.8%1.0%₹10409.46 Cr37.2%
DSP Government Securities Direct Growth

Moderate Risk

0.6%0.0%₹772.57 Cr7.7%
DSP Equity & Bond Fund Direct Growth

Very High Risk

0.8%1.0%₹9044.39 Cr28.1%
DSP Focus Fund Direct Growth

Very High Risk

1.1%1.0%₹2284.02 Cr42.1%
DSP Credit Risk Fund Direct Growth

Moderately High risk

0.4%1.0%₹193.84 Cr16.0%
DSP India TIGER Fund Direct Growth

Very High Risk

1.1%1.0%₹3814.79 Cr81.7%
DSP Liquidity Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹10025.35 Cr7.3%
DSP Regular Saving Fund Direct Growth

Moderately High risk

0.6%0.0%₹173.24 Cr14.1%
DSP Small Cap Fund Direct Growth

Very High Risk

1.0%1.0%₹14072.97 Cr45.8%
DSP Ultra Short Fund Direct Growth

Moderate Risk

0.3%0.0%₹2466.56 Cr7.6%
DSP Short Term Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹2955.58 Cr6.9%
DSP Midcap Fund Direct Growth

Very High Risk

0.8%1.0%₹17079.09 Cr48.2%
DSP Natural Resource & New Energy Fund Direct Growth

Very High Risk

1.1%0.0%₹1093.75 Cr58.7%
DSP Equity Opportunities Fund Direct Growth

Very High Risk

0.8%1.0%₹11631.00 Cr47.6%
DSP Strategic Bond Fund Direct Growth

Moderate Risk

0.5%0.0%₹1015.47 Cr7.6%
DSP Savings Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹4468.18 Cr7.4%
DSP Tax Saver Fund Direct Growth

Very High Risk

0.8%0.0%₹14859.56 Cr43.8%
DSP World Agriculture Direct Growth

Very High Risk

1.7%0.0%₹16.58 Cr-5.5%
DSP Top 100 Equity Fund Direct Growth

Very High Risk

1.2%1.0%₹3694.78 Cr35.0%
DSP US Flexible Equity Fund Direct Growth

Very High Risk

1.5%0.0%₹863.66 Cr25.2%
DSP World Energy Direct Growth

Very High Risk

1.5%0.0%₹134.44 Cr4.2%
DSP World Gold Fund of Fund Direct Growth

Very High Risk

1.7%0.0%₹868.29 Cr11.2%
DSP World Mining Direct Growth

Very High Risk

1.5%0.0%₹160.48 Cr11.1%
DSP Equity Savings Fund Direct Growth

Moderately High risk

0.5%0.0%₹1102.23 Cr15.6%
DSP Arbitrage Fund Direct Growth

Low Risk

0.3%0.0%₹4376.78 Cr8.3%
DSP Corporate Bond Fund Direct Growth

Moderate Risk

0.3%0.0%₹2616.53 Cr6.5%
DSP 10Y G-Sec Fund Direct Growth

Moderate Risk

0.3%0.0%₹49.05 Cr6.0%
DSP Nifty SDL Plus G-Sec Sep 2027 50:50 Index Fund Direct Growth

Low to Moderate Risk

0.2%0.0%₹86.68 Cr6.6%

Risk Level

Your principal amount will be at Moderately High risk

Moderately High risk
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The NAV of DSP Regular Saving Fund Direct Growth, as of 17-May-2024, is ₹58.63.
The fund has generated 14.07% over the last 1 year and 8.80% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
The fund's allocation of assets is distributed as 24.70% in equities, 72.75% in bonds, and 2.25% in cash and cash equivalents.
The fund managers responsible for DSP Regular Saving Fund Direct Growth are:-
  1. Kedar Karnik
  2. Jay Kothari
  3. Abhishek Singh