DSP Regular Saving Fund Regular Growth
HybridConservative AllocationModerate Risk
Regular
NAV (18-Jun-25)
Returns (Since Inception)
Fund Overview
Fund Size
₹173 Cr
Expense Ratio
1.11%
ISIN
INF740K01441
Minimum SIP
₹100
Exit Load
No Charges
Inception Date
11 Jun 2004
About this fund
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
| Equity | ₹23.93 Cr | 13.81% |
| Debt | ₹108.49 Cr | 62.62% |
| Others | ₹40.84 Cr | 23.57% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 7.32% Govt Stock 2030 | Bond - Gov't/Treasury | ₹21.34 Cr | 12.32% |
| 6.79% Govt Stock 2034 | Bond - Gov't/Treasury | ₹15.69 Cr | 9.06% |
| 7.1% Govt Stock 2029 | Bond - Gov't/Treasury | ₹10.52 Cr | 6.07% |
| Power Grid Corporation Of India Limited | Bond - Corporate Bond | ₹10.45 Cr | 6.03% |
| 7.06% Govt Stock 2028 | Bond - Gov't/Treasury | ₹10.45 Cr | 6.03% |
| Bank Of Baroda | Cash - CD/Time Deposit | ₹9.99 Cr | 5.76% |
| Treps / Reverse Repo Investments | Cash - Repurchase Agreement | ₹9.63 Cr | 5.56% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹7.94 Cr | 4.58% |
| 7.02% Govt Stock 2031 | Bond - Gov't/Treasury | ₹5.42 Cr | 3.13% |
| 7.1% Govt Stock 2034 | Bond - Gov't/Treasury | ₹5.32 Cr | 3.07% |
| 7.59% Govt Stock 2031 | Bond - Gov't/Treasury | ₹5.3 Cr | 3.06% |
| 7.37% Govt Stock 2028 | Bond - Gov't/Treasury | ₹5.29 Cr | 3.05% |
| 7.81% Govt Stock 2033 | Bond - Gov't/Treasury | ₹5.27 Cr | 3.04% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹5.14 Cr | 2.97% |
| 5.74% Govt Stock 2026 | Bond - Gov't/Treasury | ₹5.02 Cr | 2.90% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹5 Cr | 2.89% |
| Bharti Telecom Limited | Cash - Commercial Paper | ₹4.87 Cr | 2.81% |
| HDFC Bank Ltd | Equity | ₹3.06 Cr | 1.77% |
| 5.63% Govt Stock 2026 | Bond - Gov't/Treasury | ₹2.97 Cr | 1.72% |
| ICICI Bank Ltd | Equity | ₹2.22 Cr | 1.28% |
| Kotak Mahindra Bank Ltd | Equity | ₹1.6 Cr | 0.93% |
| Roadstar Infra Investment Trust | Mutual Fund - Unspecified | ₹1.49 Cr | 0.86% |
| Net Receivables/Payables | Cash | ₹1.37 Cr | 0.79% |
| SBI Life Insurance Co Ltd | Equity | ₹1.25 Cr | 0.72% |
| Cipla Ltd | Equity | ₹1.16 Cr | 0.67% |
| Mahindra & Mahindra Ltd | Equity | ₹1.14 Cr | 0.66% |
| Hero MotoCorp Ltd | Equity | ₹1.1 Cr | 0.64% |
| ITC Ltd | Equity | ₹1.07 Cr | 0.62% |
| NTPC Ltd | Equity | ₹1 Cr | 0.58% |
| Samvardhana Motherson International Ltd | Equity | ₹0.98 Cr | 0.57% |
| Axis Bank Ltd | Equity | ₹0.78 Cr | 0.45% |
| Cyient Ltd | Equity | ₹0.63 Cr | 0.36% |
| SBI Funds Management Pvt Ltd/Fund Parent | Mutual Fund - Open End | ₹0.56 Cr | 0.32% |
| Oil & Natural Gas Corp Ltd | Equity | ₹0.56 Cr | 0.32% |
| TeamLease Services Ltd | Equity | ₹0.54 Cr | 0.31% |
| ICICI Lombard General Insurance Co Ltd | Equity | ₹0.53 Cr | 0.31% |
| La Opala RG Ltd | Equity | ₹0.53 Cr | 0.31% |
| Jubilant Ingrevia Ltd Ordinary Shares | Equity | ₹0.52 Cr | 0.30% |
| Cohance Lifesciences Ltd | Equity | ₹0.52 Cr | 0.30% |
| Petronet LNG Ltd | Equity | ₹0.51 Cr | 0.29% |
| HCL Technologies Ltd | Equity | ₹0.5 Cr | 0.29% |
| Alembic Pharmaceuticals Ltd | Equity | ₹0.5 Cr | 0.29% |
| GAIL (India) Ltd | Equity | ₹0.49 Cr | 0.28% |
| Ipca Laboratories Ltd | Equity | ₹0.49 Cr | 0.28% |
| Bajaj Finance Ltd | Equity | ₹0.44 Cr | 0.25% |
| Indigo Paints Ltd Ordinary Shares | Equity | ₹0.44 Cr | 0.25% |
| Power Finance Corp Ltd | Equity | ₹0.41 Cr | 0.24% |
| Nippon Life India Asset Management Ltd Ordinary Shares | Equity | ₹0.36 Cr | 0.21% |
| 07.83 GJ Sdl 2026 | Bond - Gov't/Treasury | ₹0.32 Cr | 0.18% |
| Infosys Ltd | Equity | ₹0.31 Cr | 0.18% |
| Indus Towers Ltd Ordinary Shares | Equity | ₹0.28 Cr | 0.16% |
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
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹10.66 Cr | 6.15% |
| Consumer Cyclical | ₹3.76 Cr | 2.17% |
| Healthcare | ₹2.67 Cr | 1.54% |
| Utilities | ₹1.49 Cr | 0.86% |
| Industrials | ₹1.17 Cr | 0.67% |
| Consumer Defensive | ₹1.07 Cr | 0.62% |
| Energy | ₹1.07 Cr | 0.62% |
| Basic Materials | ₹0.96 Cr | 0.55% |
| Technology | ₹0.81 Cr | 0.47% |
| Communication Services | ₹0.28 Cr | 0.16% |
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
Abhishek Singh
Since May 2021
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 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  |
|---|---|---|---|---|
| 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% | ₹3188.48 Cr | 9.8% |
| 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 | 1.1% | 0.0% | ₹116.61 Cr | 7.2% |
| Nippon India Hybrid Bond Fund Direct Growth High Risk | 1.1% | 1.0% | ₹885.65 Cr | 9.4% |
| 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% |
About the AMC
Total AUM
₹1,88,100 Cr
Address
West Wing, 11th Floor, Mumbai, 400021
Other Funds by DSP Mutual Fund
Risk Level
Your principal amount will be at Moderate Risk
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- Abhishek Singh
- Shantanu Godambe
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