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DSP Savings Fund Regular Growth
Capital PreservationMoney MarketModerate Risk
Regular
NAV (02-Feb-26)
₹54.460.06%1D
Returns (Since Inception)
6.65%
Rated ★4.3+ on 
Fund Overview
Fund Size
₹8,336 Cr
Expense Ratio
0.38%
ISIN
INF740K01714
Minimum SIP
₹100
Exit Load
No Charges
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 26 years, 4 months and 4 days, having been launched on 30-Sep-99.
As of 02-Feb-26, it has a Net Asset Value (NAV) of ₹54.46, Assets Under Management (AUM) of 8335.96 Crores, and an expense ratio of 0.38%.
As of 02-Feb-26, it has a Net Asset Value (NAV) of ₹54.46, Assets Under Management (AUM) of 8335.96 Crores, and an expense ratio of 0.38%.
- 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, 13.73% in debts, and 86.00% 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
+6.74%
+6.69% (Cat Avg.)
3 Years
+7.09%
+7.02% (Cat Avg.)
5 Years
+5.84%
+5.92% (Cat Avg.)
10 Years
+6.21%
+5.88% (Cat Avg.)
Since Inception
+6.65%
— (Cat Avg.)
Portfolio Summaryas of 15th January 2026
| Debt | ₹1,144.94 Cr | 13.73% |
| Others | ₹7,191.02 Cr | 86.27% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 5.63% Govt Stock 2026 | Bond - Gov't/Treasury | ₹888.29 Cr | 9.93% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹342 Cr | 3.82% |
| Panatone Finvest Ltd | Cash - Commercial Paper | ₹279.67 Cr | 3.13% |
| Indian Bank | Cash - CD/Time Deposit | ₹220.44 Cr | 2.47% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹220.08 Cr | 2.46% |
| Axis Bank Ltd. | Cash - CD/Time Deposit | ₹220.06 Cr | 2.46% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹195.48 Cr | 2.19% |
| IDFC First Bank Limited | Cash - CD/Time Deposit | ₹146.66 Cr | 1.64% |
| IDFC First Bank Limited | Cash - CD/Time Deposit | ₹146.47 Cr | 1.64% |
| Canara Bank | Cash - CD/Time Deposit | ₹146 Cr | 1.63% |
| Export-Import Bank Of India | Cash - CD/Time Deposit | ₹145.98 Cr | 1.63% |
| Canara Bank | Bond - Gov't Agency Debt | ₹145.92 Cr | 1.63% |
| Kotak Mahindra Bank Limited** | Cash - CD/Time Deposit | ₹143.2 Cr | 1.60% |
| Bank Of Baroda | Cash - CD/Time Deposit | ₹141.55 Cr | 1.58% |
| Bank Of Baroda | Cash - CD/Time Deposit | ₹141.15 Cr | 1.58% |
| Bank of Baroda | Bond - Corporate Bond | ₹140.48 Cr | 1.57% |
| Axis Bank Ltd. | Bond - Corporate Bond | ₹140.24 Cr | 1.57% |
| National Bank for Agriculture and Rural Development | Bond - Gov't Agency Debt | ₹140.24 Cr | 1.57% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹122.48 Cr | 1.37% |
| Bank of Baroda | Bond - Corporate Bond | ₹122.15 Cr | 1.37% |
| Export-Import Bank Of India | Cash - CD/Time Deposit | ₹121.96 Cr | 1.36% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹121.65 Cr | 1.36% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹120.36 Cr | 1.35% |
| Bahadur Chand Investments Private Limited | Cash - Commercial Paper | ₹118.95 Cr | 1.33% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹118.32 Cr | 1.32% |
| Muthoot Fincorp Limited | Cash - Commercial Paper | ₹115.79 Cr | 1.29% |
| Net Receivables/Payables | Cash | ₹-100.23 Cr | 1.12% |
| Kotak Securities Ltd | Cash - Commercial Paper | ₹99.24 Cr | 1.11% |
| 364 Days Tbill Red 12-03-2026 | Bond - Gov't/Treasury | ₹99.22 Cr | 1.11% |
| Bank Of India | Cash - CD/Time Deposit | ₹98.95 Cr | 1.11% |
| Power Finance Corporation Limited | Cash - Commercial Paper | ₹98.36 Cr | 1.10% |
| Axis Bank Ltd. | Cash - CD/Time Deposit | ₹97.63 Cr | 1.09% |
| Standard Chartered Capital Limited | Cash - Commercial Paper | ₹97.6 Cr | 1.09% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹97.3 Cr | 1.09% |
| Cholamandalam Investment And Finance Company Limited | Cash - Commercial Paper | ₹97.09 Cr | 1.09% |
| Julius Baer Capital (India) Private Limited | Cash - Commercial Paper | ₹96.98 Cr | 1.08% |
| Equitas Small Finance Bank Limited** | Cash - CD/Time Deposit | ₹96.93 Cr | 1.08% |
| Small Industries Development Bank Of India** | Cash - CD/Time Deposit | ₹94.8 Cr | 1.06% |
| Bank Of Baroda | Cash - CD/Time Deposit | ₹94.69 Cr | 1.06% |
| Bajaj Finance Limited | Cash - Commercial Paper | ₹94.52 Cr | 1.06% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹94.32 Cr | 1.05% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹94.16 Cr | 1.05% |
| Small Industries Dev Bank Of India | Cash - CD/Time Deposit | ₹93.98 Cr | 1.05% |
| Kotak Mahindra Bank Ltd. | Bond - Corporate Bond | ₹93.67 Cr | 1.05% |
| Treps / Reverse Repo Investments | Cash - Repurchase Agreement | ₹89.14 Cr | 1.00% |
| National Bank for Agriculture and Rural Development | Cash - CD/Time Deposit | ₹74.15 Cr | 0.83% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹73.96 Cr | 0.83% |
| Indian Bank | Cash - CD/Time Deposit | ₹73.57 Cr | 0.82% |
| Bank Of Baroda** | Cash - CD/Time Deposit | ₹73.22 Cr | 0.82% |
| Cholamandalam Investment And Finance Company Limited | Cash - Commercial Paper | ₹73.19 Cr | 0.82% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹72.14 Cr | 0.81% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹71.73 Cr | 0.80% |
| Punjab National Bank | Bond - Gov't Agency Debt | ₹63.25 Cr | 0.71% |
| Nuvama Wealth And Investment Limited | Cash - Commercial Paper | ₹49.95 Cr | 0.56% |
| India (Republic of) | Bond - Short-term Government Bills | ₹49.61 Cr | 0.55% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹49.56 Cr | 0.55% |
| Export-Import Bank Of India | Cash - CD/Time Deposit | ₹49.47 Cr | 0.55% |
| Punjab National Bank | Cash - CD/Time Deposit | ₹49.43 Cr | 0.55% |
| Kotak Mahindra Investments Limited | Cash - Commercial Paper | ₹49.37 Cr | 0.55% |
| T-Bill | Bond - Gov't/Treasury | ₹49.04 Cr | 0.55% |
| 364 Days Tbill Red 28-05-2026 | Bond - Gov't/Treasury | ₹49.04 Cr | 0.55% |
| Kotak Mahindra Bank Limited | Cash - CD/Time Deposit | ₹48.82 Cr | 0.55% |
| Icici Securities Limited (Earlier Icici Brokerage Services Limited) | Cash - Commercial Paper | ₹48.79 Cr | 0.55% |
| Canara Bank** | Cash - CD/Time Deposit | ₹48.78 Cr | 0.55% |
| Union Bank of India | Bond - Gov't Agency Debt | ₹48.66 Cr | 0.54% |
| Indian Bank | Cash - CD/Time Deposit | ₹48.65 Cr | 0.54% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹48.54 Cr | 0.54% |
| Muthoot Finance Limited | Cash - Commercial Paper | ₹48.53 Cr | 0.54% |
| Ujjivan Small Finance Bank Limited** | Cash - CD/Time Deposit | ₹48.5 Cr | 0.54% |
| India (Republic of) | Bond - Short-term Government Bills | ₹48.4 Cr | 0.54% |
| Muthoot Finance Limited | Cash - Commercial Paper | ₹47.64 Cr | 0.53% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹47.51 Cr | 0.53% |
| Indian Bank** | Cash - CD/Time Deposit | ₹47.43 Cr | 0.53% |
| Nuvama Wealth Management Limited | Cash - Commercial Paper | ₹47.41 Cr | 0.53% |
| Bajaj Finance Ltd | Cash - Commercial Paper | ₹47.24 Cr | 0.53% |
| Bank Of Baroda | Cash - CD/Time Deposit | ₹47.23 Cr | 0.53% |
| Bank Of Baroda | Cash - CD/Time Deposit | ₹47.11 Cr | 0.53% |
| Cholamandalam Investment And Finance Company Ltd | Cash - Commercial Paper | ₹46.93 Cr | 0.52% |
| Canara Bank | Bond - Gov't Agency Debt | ₹46.82 Cr | 0.52% |
| Angel One Ltd | Cash - Commercial Paper | ₹39.51 Cr | 0.44% |
| 364 DTB 19mar2026 | Bond - Gov't/Treasury | ₹34.69 Cr | 0.39% |
| 07.08 KA Sdl 2026 | Bond - Gov't/Treasury | ₹26.45 Cr | 0.30% |
| 07.39 MH Sdl 2026 | Bond - Gov't/Treasury | ₹25.66 Cr | 0.29% |
| Tbill | Bond - Gov't/Treasury | ₹24.85 Cr | 0.28% |
| Small Industries Development Bk Of India ** # | Cash - Commercial Paper | ₹24.71 Cr | 0.28% |
| 364 Days T-Bill 2026 | Bond - Gov't/Treasury | ₹24.62 Cr | 0.28% |
| Hero Housing Finance Limited | Cash - Commercial Paper | ₹24.51 Cr | 0.27% |
| IDFC First Bank Ltd. | Bond - Corporate Bond | ₹24.39 Cr | 0.27% |
| Cholamandalam Investment And Finance Company Limited | Cash - Commercial Paper | ₹24.37 Cr | 0.27% |
| Hero Housing Finance Limited | Cash - Commercial Paper | ₹24.36 Cr | 0.27% |
| Bank Of Baroda | Cash - CD/Time Deposit | ₹24.36 Cr | 0.27% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹24.33 Cr | 0.27% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹24.27 Cr | 0.27% |
| Motilal Oswal Financial Services Limited | Cash - Commercial Paper | ₹24.25 Cr | 0.27% |
| Motilal Oswal Financial Services Limited | Cash - Commercial Paper | ₹24.24 Cr | 0.27% |
| Motilal Oswal Finvest Limited | Cash - Commercial Paper | ₹24.23 Cr | 0.27% |
| Icici Securities Limited (Earlier Icici Brokerage Services Limited) | Cash - Commercial Paper | ₹23.81 Cr | 0.27% |
| Icici Securities Limited (Earlier Icici Brokerage Services Limited) | Cash - Commercial Paper | ₹23.8 Cr | 0.27% |
| Union Bank of India | Bond - Gov't Agency Debt | ₹23.52 Cr | 0.26% |
| SBI Funds Management Pvt Ltd/Fund Parent | Mutual Fund - Open End | ₹23.48 Cr | 0.26% |
| 07.38 MP Sdl 2026 | Bond - Gov't/Treasury | ₹15.53 Cr | 0.17% |
| Canara Bank** | Cash - CD/Time Deposit | ₹14.85 Cr | 0.17% |
| India (Republic of) | Bond - Short-term Government Bills | ₹4.96 Cr | 0.06% |
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Cash - CD/Time Deposit | ₹4,784.19 Cr | 53.51% |
| Cash - Commercial Paper | ₹1,815 Cr | 20.30% |
| Bond - Gov't/Treasury | ₹1,237.41 Cr | 13.84% |
| Bond - Corporate Bond | ₹520.93 Cr | 5.83% |
| Bond - Gov't Agency Debt | ₹468.4 Cr | 5.24% |
| Bond - Short-term Government Bills | ₹102.97 Cr | 1.15% |
| Cash | ₹-100.23 Cr | 1.12% |
| Cash - Repurchase Agreement | ₹89.14 Cr | 1.00% |
| Mutual Fund - Open End | ₹23.48 Cr | 0.26% |
Risk & Performance Ratios
Standard Deviation
This fund
0.34%
Cat. avg.
0.52%
Lower the better
Sharpe Ratio
This fund
1.33
Cat. avg.
1.22
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
9.17
Higher the better
Fund Managers
Karan Mundhra
Since May 2021
SV
Shalini Vasanta
Since August 2024
Additional Scheme Detailsas of 15th January 2026
ISIN INF740K01714 | Expense Ratio 0.38% | Exit Load No Charges | Fund Size ₹8,336 Cr | Age 26 years 4 months | Lumpsum Minimum ₹100 | Fund Status Open Ended Investment Company | Benchmark CRISIL Money Market A-I TR 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 Money Market Funds
About the AMC
DSP Mutual Fund
Total AUM
₹2,26,583 Cr
Address
West Wing, 11th Floor, Mumbai, 400021
Other Funds by DSP Mutual Fund
Risk Level
Your principal amount will be at Moderate Risk
Take control of your wealth
Related Articles
Still got questions?
We're here to help.
What is the current NAV of DSP Savings Fund Regular Growth?
The NAV of DSP Savings Fund Regular Growth, as of 02-Feb-2026, is ₹54.46.
What are the returns of DSP Savings Fund Regular Growth?
The fund has generated 6.74% over the last 1 year and 7.09% 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 Savings Fund Regular Growth?
The fund's allocation of assets is distributed as 0.00% in equities, 13.73% in bonds, and 86.00% in cash and cash equivalents.
Who manages the DSP Savings Fund Regular Growth?
The fund managers responsible for DSP Savings Fund Regular Growth are:-
- Karan Mundhra
- Shalini Vasanta
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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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Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Pvt. Ltd. is a Portfolio Manager with SEBI Registration no. INP000007377, a member of BSE with SEBI Stock Broker Registration no. INZ000303136, and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
