Dezerv

Fund Overview

Fund Size

Fund Size

₹173 Cr

Expense Ratio

Expense Ratio

1.11%

ISIN

ISIN

INF740K01441

Minimum SIP

Minimum SIP

₹100

Exit Load

Exit Load

No Charges

Inception Date

Inception Date

11 Jun 2004

About this fund

DSP Regular Saving Fund Regular Growth is a Conservative Allocation mutual fund schemes offered by DSP Mutual Fund. This fund has been in existence for 21 years and 8 days, having been launched on 11-Jun-04.
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹58.68, Assets Under Management (AUM) of 173.25 Crores, and an expense ratio of 1.11%.
  • DSP Regular Saving Fund Regular Growth has given a CAGR return of 8.78% since inception.
  • The fund's asset allocation comprises around 13.81% in equities, 62.62% in debts, and 22.39% in cash & cash equivalents.
  • You can start investing in DSP Regular Saving Fund Regular 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

+9.98%

+7.75% (Cat Avg.)

3 Years

+11.41%

+10.72% (Cat Avg.)

5 Years

+9.93%

+10.94% (Cat Avg.)

10 Years

+7.36%

+8.69% (Cat Avg.)

Since Inception

+8.78%

(Cat Avg.)

Portfolio Summaryas of 31st May 2025

Equity23.93 Cr13.81%
Debt108.49 Cr62.62%
Others40.84 Cr23.57%

Top Holdings

All Holdings

Equity

Debt & Others

NameType sortAmount sortHoldings sort
7.32% Govt Stock 2030Bond - Gov't/Treasury21.34 Cr12.32%
6.79% Govt Stock 2034Bond - Gov't/Treasury15.69 Cr9.06%
7.1% Govt Stock 2029Bond - Gov't/Treasury10.52 Cr6.07%
Power Grid Corporation Of India LimitedBond - Corporate Bond10.45 Cr6.03%
7.06% Govt Stock 2028Bond - Gov't/Treasury10.45 Cr6.03%
Bank Of BarodaCash - CD/Time Deposit9.99 Cr5.76%
Treps / Reverse Repo InvestmentsCash - Repurchase Agreement9.63 Cr5.56%
Power Finance Corporation LimitedBond - Corporate Bond7.94 Cr4.58%
7.02% Govt Stock 2031Bond - Gov't/Treasury5.42 Cr3.13%
7.1% Govt Stock 2034Bond - Gov't/Treasury5.32 Cr3.07%
7.59% Govt Stock 2031Bond - Gov't/Treasury5.3 Cr3.06%
7.37% Govt Stock 2028Bond - Gov't/Treasury5.29 Cr3.05%
7.81% Govt Stock 2033Bond - Gov't/Treasury5.27 Cr3.04%
National Bank For Agriculture And Rural DevelopmentBond - Corporate Bond5.14 Cr2.97%
5.74% Govt Stock 2026Bond - Gov't/Treasury5.02 Cr2.90%
HDFC Bank LimitedCash - CD/Time Deposit5 Cr2.89%
Bharti Telecom LimitedCash - Commercial Paper4.87 Cr2.81%
HDFC Bank LtdEquity3.06 Cr1.77%
5.63% Govt Stock 2026Bond - Gov't/Treasury2.97 Cr1.72%
ICICI Bank LtdEquity2.22 Cr1.28%
Kotak Mahindra Bank LtdEquity1.6 Cr0.93%
Roadstar Infra Investment TrustMutual Fund - Unspecified1.49 Cr0.86%
Net Receivables/PayablesCash1.37 Cr0.79%
SBI Life Insurance Co LtdEquity1.25 Cr0.72%
Cipla LtdEquity1.16 Cr0.67%
Mahindra & Mahindra LtdEquity1.14 Cr0.66%
Hero MotoCorp LtdEquity1.1 Cr0.64%
ITC LtdEquity1.07 Cr0.62%
NTPC LtdEquity1 Cr0.58%
Samvardhana Motherson International LtdEquity0.98 Cr0.57%
Axis Bank LtdEquity0.78 Cr0.45%
Cyient LtdEquity0.63 Cr0.36%
SBI Funds Management Pvt Ltd/Fund ParentMutual Fund - Open End0.56 Cr0.32%
Oil & Natural Gas Corp LtdEquity0.56 Cr0.32%
TeamLease Services LtdEquity0.54 Cr0.31%
ICICI Lombard General Insurance Co LtdEquity0.53 Cr0.31%
La Opala RG LtdEquity0.53 Cr0.31%
Jubilant Ingrevia Ltd Ordinary SharesEquity0.52 Cr0.30%
Cohance Lifesciences LtdEquity0.52 Cr0.30%
Petronet LNG LtdEquity0.51 Cr0.29%
HCL Technologies LtdEquity0.5 Cr0.29%
Alembic Pharmaceuticals LtdEquity0.5 Cr0.29%
GAIL (India) LtdEquity0.49 Cr0.28%
Ipca Laboratories LtdEquity0.49 Cr0.28%
Bajaj Finance LtdEquity0.44 Cr0.25%
Indigo Paints Ltd Ordinary SharesEquity0.44 Cr0.25%
Power Finance Corp LtdEquity0.41 Cr0.24%
Nippon Life India Asset Management Ltd Ordinary SharesEquity0.36 Cr0.21%
07.83 GJ Sdl 2026Bond - Gov't/Treasury0.32 Cr0.18%
Infosys LtdEquity0.31 Cr0.18%
Indus Towers Ltd Ordinary SharesEquity0.28 Cr0.16%

Allocation By Market Cap (Equity)

Large Cap Stocks

10.60%

Mid Cap Stocks

1.09%

Small Cap Stocks

2.12%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

SectorAmount sortHoldings sort
Financial Services10.66 Cr6.15%
Consumer Cyclical3.76 Cr2.17%
Healthcare2.67 Cr1.54%
Utilities1.49 Cr0.86%
Industrials1.17 Cr0.67%
Consumer Defensive1.07 Cr0.62%
Energy1.07 Cr0.62%
Basic Materials0.96 Cr0.55%
Technology0.81 Cr0.47%
Communication Services0.28 Cr0.16%

Risk & Performance Ratios

Standard Deviation

This fund

3.62%

Cat. avg.

3.91%

Lower the better

Sharpe Ratio

This fund

1.02

Cat. avg.

0.85

Higher the better

Sortino Ratio

This fund

--

Cat. avg.

1.54

Higher the better

Fund Managers

AS

Abhishek Singh

Since May 2021

SG

Shantanu Godambe

Since August 2024

Additional Scheme Detailsas of 31st May 2025

ISIN
INF740K01441
Expense Ratio
1.11%
Exit Load
No Charges
Fund Size
₹173 Cr
Age
21 years
Lumpsum Minimum
₹100
Fund Status
Open Ended Investment Company
Benchmark
CRISIL 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

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 nameExpense RatioExit LoadFund size
1Y
Nippon India Capital Protection Oriented Fund II Plan A Direct Growth

Low Risk

--₹40.32 Cr9.7%
Nippon India Capital Protection Oriented Fund II Plan A Regular Growth

Low Risk

--₹40.32 Cr8.9%
SBI Capital Protection Oriented Fund Series A (Plan 8) Direct Growth

Low to Moderate Risk

--₹29.47 Cr6.6%
SBI Capital Protection Oriented Fund Series A (Plan 8) Regular Growth

Low to Moderate Risk

--₹29.47 Cr6.0%
ICICI Prudential Regular Savings Fund Direct Growth

High Risk

1.0%1.0%₹3188.48 Cr9.8%
Navi Regular Savings Fund Direct Growth

Moderate Risk

0.3%0.0%₹35.76 Cr11.3%
Bandhan Regular Savings Fund Direct Growth

Moderately High risk

1.1%0.0%₹116.61 Cr7.2%
Nippon India Hybrid Bond Fund Direct Growth

High Risk

1.1%1.0%₹885.65 Cr9.4%
ITI Conservative Hybrid Fund Regular Growth

Moderate Risk

1.6%0.0%₹14.80 Cr7.4%
ITI Conservative Hybrid Fund Direct Growth

Moderate Risk

0.2%0.0%₹14.80 Cr8.9%

About the AMC

Total AUM

₹1,88,100 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

0.6%1.0%₹2262.92 Cr3.3%
DSP Nifty Smallcap250 Quality 50 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹255.48 Cr1.4%
DSP Banking & Financial Services Fund Direct Growth

Very High Risk

0.7%0.0%₹1290.21 Cr22.4%
DSP Gold ETF Fund of Fund Direct Growth

High Risk

0.7%0.0%₹91.70 Cr37.4%
DSP Multi Asset Allocation Fund Direct Growth

Very High Risk

0.3%1.0%₹3157.86 Cr15.0%
DSP FMP - Series 264 - 60M - 17D Direct Growth

Low to Moderate Risk

-0.0%₹51.43 Cr9.0%
DSP FMP Series 267 - 1246 Days Direct Growth

Low to Moderate Risk

-0.0%₹688.46 Cr8.4%
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 Cr8.4%
DSP FMP Series 268 - 1281 Days Direct Growth

Low to Moderate Risk

--₹122.54 Cr8.3%
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%₹4104.46 Cr9.6%
DSP Dynamic Asset Allocation Fund Direct Growth

Moderately High risk

0.7%1.0%₹3396.57 Cr8.9%
DSP Overnight Fund Direct Growth

Low Risk

0.1%0.0%₹1441.79 Cr6.4%
DSP Nifty 50 Index Fund Direct Growth

Very High Risk

0.2%0.0%₹739.23 Cr6.2%
DSP Nifty Next 50 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹1008.00 Cr-7.4%
DSP Healthcare Fund Direct Growth

Very High Risk

0.6%0.0%₹2961.36 Cr16.0%
DSP Global Allocation Fund Direct Growth

Very High Risk

0.4%0.0%₹683.95 Cr9.9%
DSP Low Duration Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹5229.96 Cr8.3%
DSP Value Fund Direct Growth

Very High Risk

0.9%1.0%₹1001.23 Cr9.2%
DSP Nifty SDL Plus G-Sec Jun 2028 30:70 Index Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹2172.74 Cr9.9%
DSP Bond Fund Direct Growth

Moderately High risk

0.4%0.0%₹312.37 Cr10.3%
DSP Flexi Cap Fund Direct Growth

Very High Risk

0.7%1.0%₹11836.70 Cr6.1%
DSP Government Securities Direct Growth

Moderate Risk

0.6%0.0%₹1903.95 Cr8.7%
DSP Equity & Bond Fund Direct Growth

Very High Risk

0.7%1.0%₹11104.36 Cr11.7%
DSP Focus Fund Direct Growth

Very High Risk

1.0%1.0%₹2576.32 Cr7.0%
DSP Credit Risk Fund Direct Growth

Moderately High risk

0.4%1.0%₹209.55 Cr24.1%
DSP India TIGER Fund Direct Growth

Very High Risk

0.9%1.0%₹5319.48 Cr-5.4%
DSP Liquidity Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹17751.61 Cr7.3%
DSP Regular Saving Fund Direct Growth

Moderate Risk

0.5%0.0%₹173.25 Cr10.7%
DSP Small Cap Fund Direct Growth

Very High Risk

0.9%1.0%₹16304.77 Cr9.9%
DSP Ultra Short Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹4010.78 Cr8.1%
DSP Short Term Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹3417.96 Cr9.8%
DSP Midcap Fund Direct Growth

Very High Risk

0.8%1.0%₹18712.25 Cr1.9%
DSP Natural Resource & New Energy Fund Direct Growth

Very High Risk

1.1%0.0%₹1291.71 Cr-4.1%
DSP Equity Opportunities Fund Direct Growth

Very High Risk

0.7%1.0%₹15012.64 Cr5.6%
DSP Strategic Bond Fund Direct Growth

Moderate Risk

0.5%0.0%₹1601.04 Cr8.7%
DSP Savings Fund Direct Growth

Moderate Risk

0.2%0.0%₹4517.13 Cr7.9%
DSP Tax Saver Fund Direct Growth

Very High Risk

0.7%0.0%₹16973.99 Cr7.6%
DSP World Agriculture Direct Growth

Very High Risk

1.5%0.0%₹12.18 Cr7.1%
DSP Top 100 Equity Fund Direct Growth

Very High Risk

1.0%1.0%₹6036.43 Cr10.9%
DSP US Flexible Equity Fund Direct Growth

Very High Risk

1.6%0.0%₹866.46 Cr15.1%
DSP World Energy Direct Growth

Very High Risk

1.5%0.0%₹84.88 Cr3.8%
DSP World Gold Fund of Fund Direct Growth

Very High Risk

1.7%0.0%₹1195.92 Cr73.7%
DSP World Mining Direct Growth

Very High Risk

1.5%0.0%₹126.67 Cr10.7%
DSP Equity Savings Fund Direct Growth

Moderately High risk

0.4%0.0%₹2995.31 Cr10.1%
DSP Arbitrage Fund Direct Growth

Low Risk

0.3%0.0%₹6473.70 Cr7.6%
DSP Corporate Bond Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹2647.14 Cr9.2%
DSP 10Y G-Sec Fund Direct Growth

Moderate Risk

0.3%0.0%₹59.86 Cr10.9%
DSP Nifty SDL Plus G-Sec Sep 2027 50:50 Index Fund Direct Growth

Low to Moderate Risk

0.2%0.0%₹85.90 Cr9.6%

Risk Level

Your principal amount will be at Moderate Risk

Moderate Risk
Wealth Monitor

Unlock Expert Insights!

Maximise Returns with our Wealth Monitor App. Try it now!

Still got questions?
We're here to help.

The NAV of DSP Regular Saving Fund Regular Growth, as of 18-Jun-2025, is ₹58.68.
The fund has generated 9.98% over the last 1 year and 11.41% 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 13.81% in equities, 62.62% in bonds, and 22.39% in cash and cash equivalents.
The fund managers responsible for DSP Regular Saving Fund Regular Growth are:-
  1. Abhishek Singh
  2. Shantanu Godambe