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Fund Overview

Fund Size

Fund Size

₹10,992 Cr

Expense Ratio

Expense Ratio

0.42%

ISIN

ISIN

INF740K01714

Minimum SIP

Minimum SIP

₹100

Exit Load

Exit Load

No Charges

Inception Date

Inception Date

30 Sep 1999

About this fund

DSP Savings Fund Regular Growth is a Money Market mutual fund schemes offered by DSP Mutual Fund. This fund has been in existence for 27 years and 2 days, having been launched on 30-Sep-99.
As of 01-Oct-26, it has a Net Asset Value (NAV) of ₹56.92, Assets Under Management (AUM) of 10991.60 Crores, and an expense ratio of 0.42%.
  • DSP Savings Fund Regular Growth has given a CAGR return of 6.65% since inception.
  • The fund's asset allocation comprises around 0.00% in equities, 20.09% in debts, and 79.91% in cash & cash equivalents.
  • You can start investing in DSP Savings 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

+6.32%

+6.06% (Cat Avg.)

3 Years

+7.00%

+6.92% (Cat Avg.)

5 Years

+6.24%

+6.30% (Cat Avg.)

10 Years

+6.20%

+5.87% (Cat Avg.)

Since Inception

+6.65%

— (Cat Avg.)

Portfolio Summaryas of 15th September 2026

Debt₹2,207.73 Cr20.09%
Others₹8,783.87 Cr79.91%

Top Holdings

All Holdings

Equity

Debt & Others

NameType sortAmount sortHoldings sort
Small Industries Development Bank Of IndiaCash - CD/Time Deposit₹292.21 Cr2.94%
Punjab National BankCash - CD/Time Deposit₹242.07 Cr2.44%
Panatone Finvest LimitedCash - Commercial Paper₹219.82 Cr2.21%
Days T-BillBond - Gov't/Treasury₹197.78 Cr1.99%
Bank Of BarodaCash - CD/Time Deposit₹194.99 Cr1.96%
Export-Import Bank Of IndiaCash - CD/Time Deposit₹194.05 Cr1.95%
HDFC Bank LimitedCash - CD/Time Deposit₹193.6 Cr1.95%
Small Industries Development Bank Of IndiaCash - CD/Time Deposit₹187.33 Cr1.89%
Small Industries Dev Bank Of IndiaCash - CD/Time Deposit₹170.02 Cr1.71%
Canara BankCash - CD/Time Deposit₹169.69 Cr1.71%
National Bank For Agriculture And Rural DevelopmentCash - CD/Time Deposit₹169.4 Cr1.71%
HDFC Bank LimitedCash - CD/Time Deposit₹146.5 Cr1.48%
Tata Projects LimitedCash - Commercial Paper₹145.82 Cr1.47%
Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)Cash - CD/Time Deposit₹145.45 Cr1.46%
IDFC First Bank LimitedCash - CD/Time Deposit₹136.33 Cr1.37%
India (Republic of)Bond - Short-term Government Bills₹136.13 Cr1.37%
Muthoot Fincorp LimitedCash - Commercial Paper₹122.92 Cr1.24%
Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)Cash - CD/Time Deposit₹121.84 Cr1.23%
HDFC Bank LimitedCash - CD/Time Deposit₹121.77 Cr1.23%
National Bank For Agriculture And Rural DevelopmentCash - CD/Time Deposit₹121.47 Cr1.22%
Union Bank Of IndiaCash - CD/Time Deposit₹121.03 Cr1.22%
National Bank for Agriculture and Rural DevelopmentBond - Gov't Agency Debt₹120.85 Cr1.22%
Canara BankCash - CD/Time Deposit₹120.75 Cr1.22%
Bajaj Finance LimitedCash - Commercial Paper₹118.59 Cr1.19%
Indian BankBond - Gov't Agency Debt₹118.5 Cr1.19%
Kotak Mahindra Prime LimitedCash - Commercial Paper₹118.49 Cr1.19%
Small Industries Development Bank Of India**Cash₹116.56 Cr1.17%
Torrent Pharmaceuticals LtdCash - Commercial Paper₹98.29 Cr0.99%
IDFC First Bank LimitedCash - CD/Time Deposit₹97.52 Cr0.98%
Bank Of BarodaCash - CD/Time Deposit₹97.5 Cr0.98%
Axis Bank LimitedCash - CD/Time Deposit₹97.31 Cr0.98%
LIC Housing Finance LtdCash - Commercial Paper₹97.3 Cr0.98%
Bajaj Housing Finance LimitedCash - Commercial Paper₹97.08 Cr0.98%
Small Industries Dev Bank Of IndiaCash - CD/Time Deposit₹97.01 Cr0.98%
Bajaj Auto Credit Ltd.Cash - Commercial Paper₹96.95 Cr0.98%
National Bank For Agriculture And Rural DevelopmentCash - CD/Time Deposit₹96.94 Cr0.98%
National Bank For Financing Infrastructure And DevelopmentCash - CD/Time Deposit₹96.94 Cr0.98%
Kotak Securities LtdCash - Commercial Paper₹96.93 Cr0.98%
Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)Cash - CD/Time Deposit₹96.9 Cr0.98%
Equitas Small Finance Bank LimitedCash - CD/Time Deposit₹96.88 Cr0.98%
Tata Capital LimitedCash - Commercial Paper₹96.78 Cr0.97%
Union Bank Of IndiaCash - CD/Time Deposit₹96.77 Cr0.97%
Muthoot Fincorp LimitedCash - Commercial Paper₹96.35 Cr0.97%
Icici Securities Limited (Earlier Icici Brokerage Services Limited)Cash - Commercial Paper₹96.3 Cr0.97%
Indian BankBond - Gov't Agency Debt₹94.75 Cr0.95%
Canara BankBond - Gov't Agency Debt₹94.66 Cr0.95%
Infina Finance Pvt Limited**Cash₹93.02 Cr0.94%
7.86% Karnataka Sdl 2027Bond - Gov't/Treasury₹85.85 Cr0.86%
Punjab National BankCash - CD/Time Deposit₹82.75 Cr0.83%
6.54% Maharashtra Sdl 2027Bond - Gov't/Treasury₹75.68 Cr0.76%
Export Import Bank Of IndiaCash - CD/Time Deposit₹73.18 Cr0.74%
India (Republic of)Bond - Short-term Government Bills₹73.17 Cr0.74%
India (Republic of)Bond - Short-term Government Bills₹73.02 Cr0.74%
Canara BankCash - CD/Time Deposit₹72.99 Cr0.74%
Motilal Oswal Financial Services LimitedCash - Commercial Paper₹72.97 Cr0.73%
Tata Communications LTDCash - Commercial Paper₹72.86 Cr0.73%
HDFC Bank LtdCash - CD/Time Deposit₹72.81 Cr0.73%
Bank Of BarodaCash - CD/Time Deposit₹72.67 Cr0.73%
Piramal Finance LimitedCash - Commercial Paper₹72.63 Cr0.73%
National Bank for Agriculture and Rural DevelopmentBond - Gov't Agency Debt₹72.49 Cr0.73%
Union Bank Of IndiaCash - CD/Time Deposit₹71.7 Cr0.72%
Indian BankBond - Gov't Agency Debt₹71.48 Cr0.72%
India (Republic of)Bond - Short-term Government Bills₹71.17 Cr0.72%
7.14% Gujarat Sdl 2027Bond - Gov't/Treasury₹71.16 Cr0.72%
Treps / Reverse Repo InvestmentsCash - Repurchase Agreement₹65.74 Cr0.66%
India (Republic of)Bond - Short-term Government Bills₹63.56 Cr0.64%
7.08% Karnataka Sdl 2026Bond - Gov't/Treasury₹53.01 Cr0.53%
7.74% Tamilnadu SDL 2027Bond - Gov't/Treasury₹50.58 Cr0.51%
Nuvama Wealth And Investment LimitedCash - Commercial Paper₹49.93 Cr0.50%
Mirae ASset Financial Services (India) Private LimitedCash - Commercial Paper₹49.77 Cr0.50%
IDFC First Bank Ltd.Bond - Corporate Bond₹48.87 Cr0.49%
Tata Housing Development Company LimitedCash - Commercial Paper₹48.84 Cr0.49%
National Bank For Agriculture And Rural DevelopmentCash - CD/Time Deposit₹48.83 Cr0.49%
National Bank For Agriculture And Rural DevelopmentCash - CD/Time Deposit₹48.78 Cr0.49%
Indusind Bank LimitedCash - CD/Time Deposit₹48.77 Cr0.49%
Motilal Oswal Financial Services LimitedCash - Commercial Paper₹48.71 Cr0.49%
National Bank For Agriculture And Rural DevelopmentCash - CD/Time Deposit₹48.7 Cr0.49%
Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)Cash - CD/Time Deposit₹48.67 Cr0.49%
HDFC Bank Ltd.Bond - Corporate Bond₹48.62 Cr0.49%
Canara BankBond - Gov't Agency Debt₹48.54 Cr0.49%
Axis Bank Ltd.Bond - Corporate Bond₹48.53 Cr0.49%
Nuvama Wealth Finance LimitedCash - Commercial Paper₹48.53 Cr0.49%
HDFC Bank LimitedCash - CD/Time Deposit₹48.49 Cr0.49%
Punjab National BankCash - CD/Time Deposit₹48.48 Cr0.49%
Axis Securities LimitedCash - Commercial Paper₹48.48 Cr0.49%
Punjab National BankCash - CD/Time Deposit₹48.44 Cr0.49%
HDFC Bank LimitedCash - CD/Time Deposit₹48.43 Cr0.49%
Canara BankCash - CD/Time Deposit₹48.42 Cr0.49%
Punjab National BankCash - CD/Time Deposit₹48.36 Cr0.49%
ICICI Bank LtdCash - CD/Time Deposit₹48.36 Cr0.49%
Axis Bank Ltd.Bond - Corporate Bond₹48.35 Cr0.49%
Axis Securities LimitedCash - Commercial Paper₹48.28 Cr0.49%
Sundaram Finance LimitedCash - Commercial Paper₹47.79 Cr0.48%
Canara BankBond - Gov't Agency Debt₹47.34 Cr0.48%
Kotak Mahindra Prime LimitedCash - Commercial Paper₹47.23 Cr0.48%
Small Industries Development Bank of IndiaBond - Corporate Bond₹46.69 Cr0.47%
7.52% Tamilnadu SDL 2027Bond - Gov't/Treasury₹45.84 Cr0.46%
7.59% Karnataka Sdl 2027Bond - Gov't/Treasury₹45.59 Cr0.46%
7.52% Gujarat Sdl 2027Bond - Gov't/Treasury₹44.1 Cr0.44%
7.24% Gujarat Sdl 2026Bond - Gov't/Treasury₹40.81 Cr0.41%
7.61% Tamilnadu SDL 2027Bond - Gov't/Treasury₹40.53 Cr0.41%
7.39% Maharashtra Sdl 2026Bond - Gov't/Treasury₹25.72 Cr0.26%
7.24% Tamilnadu SDL 2027Bond - Gov't/Treasury₹25.63 Cr0.26%
7.25% Maharashtra Sdl 2026Bond - Gov't/Treasury₹25.51 Cr0.26%
8.24% Govt Stock 2027Bond - Gov't/Treasury₹25.41 Cr0.26%
Cholamandalam Securities Ltd.Cash - Commercial Paper₹24.65 Cr0.25%
Union Bank Of IndiaCash - CD/Time Deposit₹24.43 Cr0.25%
Indian BankCash - CD/Time Deposit₹24.42 Cr0.25%
Canara BankCash - CD/Time Deposit₹24.4 Cr0.25%
Cholamandalam Investment And Finance Company LimitedCash - Commercial Paper₹24.38 Cr0.25%
Small Industries Dev Bank Of IndiaCash - CD/Time Deposit₹24.38 Cr0.25%
Punjab National BankCash - CD/Time Deposit₹24.36 Cr0.25%
Punjab National BankCash - CD/Time Deposit₹24.36 Cr0.25%
National Bank For Agriculture And Rural DevelopmentCash - CD/Time Deposit₹24.36 Cr0.25%
Bajaj Finance LimitedCash - Commercial Paper₹24.33 Cr0.25%
SBI Funds Management Private LtdBond - Corporate Bond₹24.33 Cr0.25%
Motilal Oswal Financial Services LimitedCash - Commercial Paper₹24.29 Cr0.24%
Muthoot Fincorp LimitedCash - Commercial Paper₹24.29 Cr0.24%
Kotak Securities LtdCash - Commercial Paper₹24.29 Cr0.24%
LIC Housing Finance LtdCash - Commercial Paper₹24.27 Cr0.24%
Bank Of BarodaCash - CD/Time Deposit₹24.24 Cr0.24%
HDFC Bank LimitedCash - CD/Time Deposit₹24.23 Cr0.24%
National Bank For Financing Infrastructure And DevelopmentCash - CD/Time Deposit₹24.23 Cr0.24%
Union Bank of IndiaBond - Corporate Bond₹23.73 Cr0.24%
Bajaj Finance LimitedCash - Commercial Paper₹23.71 Cr0.24%
Small Industries Development Bank of IndiaBond - Corporate Bond₹23.37 Cr0.24%
Net Receivables/PayablesCash₹21.87 Cr0.22%
T-BillBond - Gov't/Treasury₹19.62 Cr0.20%
7.05% Gujarat Sdl 2026Bond - Gov't/Treasury₹10.21 Cr0.10%
7.07% Tamilnadu SDL 2026Bond - Gov't/Treasury₹5.11 Cr0.05%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

InstrumentsAmount sortHoldings sort
Cash - CD/Time Deposit₹4,994.51 Cr50.30%
Cash - Commercial Paper₹2,351.83 Cr23.68%
Bond - Gov't/Treasury₹888.16 Cr8.94%
Bond - Gov't Agency Debt₹668.6 Cr6.73%
Bond - Short-term Government Bills₹417.05 Cr4.20%
Bond - Corporate Bond₹312.5 Cr3.15%
Cash₹231.45 Cr2.33%
Cash - Repurchase Agreement₹65.74 Cr0.66%

Risk & Performance Ratios

Standard Deviation

This fund

0.55%

Cat. avg.

0.69%

Lower the better

Sharpe Ratio

This fund

1.10

Cat. avg.

0.99

Higher the better

Sortino Ratio

This fund

--

Cat. avg.

2.59

Higher the better

Fund Managers

Karan Mundhra

Karan Mundhra

Since May 2021

SV

Shalini Vasanta

Since August 2024

Additional Scheme Detailsas of 15th September 2026

ISIN
INF740K01714
Expense Ratio
0.42%
Exit Load
No Charges
Fund Size
₹10,992 Cr
Age
27 years
Lumpsum Minimum
₹100
Fund Status
Open Ended Investment Company
Benchmark
CRISIL Money Market A-I TR 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

iconCapital Gains Taxation:

iconDividend Taxation:

info icon

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.

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0.4%0.0%₹1719.29 Cr6.3%
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0.2%0.0%₹1719.29 Cr6.5%
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HSBC Money Market Fund Regular Growth

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About the AMC

DSP Mutual Fund

DSP Mutual Fund

Total AUM

₹2,53,738 Cr

Address

West Wing, 11th Floor, Mumbai, 400021

Other Funds by DSP Mutual Fund

Fund nameExpense RatioExit LoadFund size
1Y
DSP Financial Services Sectoral Debt Fund Direct Growth

Moderate Risk

0.2%0.0%--
DSP Multi Asset Omni Fund of Funds Direct Growth

Very High Risk

0.9%0.0%₹882.89 Cr-
DSP Nifty 500 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹16.23 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

0.6%0.0%₹17.58 Cr-
DSP Nifty Midcap 150 Index Fund Direct Growth

Very High Risk

0.4%0.0%₹17.80 Cr-
DSP Nifty500 Flexicap Quality 30 Index Fund Direct Growth

Very High Risk

0.8%0.0%₹203.04 Cr-9.1%
DSP Nifty IT Index Fund Direct Growth

Very High Risk

0.5%0.0%₹112.17 Cr-14.9%
DSP Nifty Healthcare Index Fund Direct Growth

Very High Risk

0.4%0.0%₹25.41 Cr12.7%
DSP Silver ETF Fund of Fund Direct Growth

Very High Risk

0.9%0.0%₹715.77 Cr48.7%
DSP Nifty Private Bank Index Fund Direct Growth

Very High Risk

0.6%0.0%₹110.35 Cr-0.9%
DSP BSE SENSEX Next 30 Index Fund Direct Growth

Very High Risk

0.4%0.0%₹26.06 Cr2.5%
DSP Business Cycle Fund Direct Growth

Very High Risk

1.3%0.0%₹1469.37 Cr-0.9%
DSP Nifty Top 10 Equal Weight Index Fund Direct Growth

Very High Risk

0.3%0.0%₹1139.69 Cr-13.0%
DSP Nifty Bank Index Fund Direct Growth

Very High Risk

0.3%0.0%₹65.31 Cr-1.3%
DSP US Treasury Fund of Fund Direct Growth

Very High Risk

0.2%0.0%₹68.65 Cr4.6%
DSP Nifty Healthcare ETF Regular Growth

Very High Risk

0.2%-₹14.94 Cr11.4%
DSP Multicap Fund Direct Growth

Low Risk

0.7%1.0%₹3024.92 Cr-1.4%
DSP Nifty Smallcap250 Quality 50 Index Fund Direct Growth

Very High Risk

0.5%0.0%₹316.41 Cr-6.5%
DSP Banking & Financial Services Fund Direct Growth

Very High Risk

0.8%0.0%₹2183.66 Cr5.8%
DSP Gold ETF Fund of Fund Direct Growth

High Risk

1.0%0.0%₹556.84 Cr24.2%
DSP Multi Asset Allocation Fund Direct Growth

Very High Risk

0.6%1.0%₹10989.91 Cr9.9%
DSP FMP - Series 264 - 60M - 17D Direct Growth

Low Risk

-0.0%₹54.64 Cr5.8%
DSP FMP Series 267 - 1246 Days Direct Growth

Low Risk

-0.0%₹717.68 Cr5.6%
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 Cr5.6%
DSP FMP Series 268 - 1281 Days Direct Growth

Low Risk

--₹122.54 Cr5.7%
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%₹3270.25 Cr4.0%
DSP Dynamic Asset Allocation Fund Direct Growth

Very High Risk

1.1%1.0%₹3821.11 Cr2.0%
DSP Overnight Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹2853.61 Cr5.3%
DSP Nifty 50 Index Fund Direct Growth

Very High Risk

0.2%0.0%₹1108.80 Cr-8.8%
DSP Nifty Next 50 Index Fund Direct Growth

Very High Risk

0.4%0.0%₹1406.84 Cr2.0%
DSP Healthcare Fund Direct Growth

Very High Risk

0.7%0.0%₹3835.28 Cr17.4%
DSP Global Allocation Fund Direct Growth

Very High Risk

0.7%0.0%₹1593.30 Cr5.0%
DSP Quant Fund Direct Growth

Very High Risk

1.1%0.0%₹767.23 Cr-5.4%
DSP Low Duration Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹4750.25 Cr5.9%
DSP Value Fund Direct Growth

Very High Risk

1.7%1.0%₹2220.35 Cr4.3%
DSP Nifty SDL Plus G-Sec Jun 2028 30:70 Index Fund Direct Growth

Low to Moderate Risk

0.2%0.0%₹1649.42 Cr5.2%
DSP Bond Fund Direct Growth

Moderately High risk

0.4%0.0%₹251.42 Cr4.1%
DSP Flexi Cap Fund Direct Growth

Very High Risk

0.8%1.0%₹12500.27 Cr-3.2%
DSP Government Securities Direct Growth

Moderate Risk

0.6%0.0%₹1213.03 Cr2.6%
DSP Equity & Bond Fund Direct Growth

High Risk

0.8%1.0%₹11758.92 Cr-4.8%
DSP Focus Fund Direct Growth

Very High Risk

1.1%1.0%₹2671.23 Cr-1.0%
DSP Credit Risk Fund Direct Growth

Moderate Risk

0.4%3.0%₹309.74 Cr10.8%
DSP India TIGER Fund Direct Growth

Very High Risk

1.1%1.0%₹6467.31 Cr11.7%
DSP Liquidity Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹27920.26 Cr6.5%
DSP Regular Saving Fund Direct Growth

Moderately High risk

0.6%0.0%₹178.35 Cr2.9%
DSP Small Cap Fund Direct Growth

Very High Risk

0.8%1.0%₹21658.64 Cr17.3%
DSP Ultra Short Fund Direct Growth

Moderate Risk

0.3%0.0%₹4599.23 Cr6.7%

Risk Level

Your principal amount will be at Moderate Risk

Moderate Risk

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What is the current NAV of DSP Savings Fund Regular Growth?

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The NAV of DSP Savings Fund Regular Growth, as of 01-Oct-2026, is ₹56.92.
The fund has generated 6.32% over the last 1 year and 7.00% 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 0.00% in equities, 20.09% in bonds, and 79.91% in cash and cash equivalents.
The fund managers responsible for DSP Savings Fund Regular Growth are:-
  1. Karan Mundhra
  2. Shalini Vasanta
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