Invest in DSP Regular Savings Fund Direct Monthly IDCW Online

Benchmark: CRISIL Hybrid 85+15 - Conservati…

19.34K people have invested in this fund

LumpsumMonthly SIPView performance details

Return:

Annualized

Absolute

This fund

18.00%

CRISIL Hybrid 85+15 - Conservati…

14.30%

CRISIL 10 Year Gilt Index

14.15%

team 19.34K people have invested in this fund as of

This is a Hybrid, Conservative Hybrid fund with CRISIL Hybrid 85+15 - Conservative Index as its benchmark. The risk level for this fund is categorized as Moderately High Risk.

Total AUM

₹184.31 crores as of Apr 30, 2023

Age of Fund

10 years 4 months since Jan 01, 2013

Expense Ratio

0.5% as of May 30, 2023

Exit Load

NIL

Ideal holding period

3 Years+

Holdings

as of Apr 30, 2023

Housing Development Finance Corporation Limited

3.83%

ICICI Bank Limited

2.98%

Axis Bank Limited

1.93%

ITC Limited

1.16%

Cipla Limited

1.11%

SBI Life Insurance Company Limited

1.09%

HCL Technologies Limited

1.07%

See all 23 holdings

Rolling Returns

Bars show distribution of returns in given range for selected time period.

View performance details

Things to know before you invest

What is in DSP Regular Savings Fund?

DSP Regular Savings fund invests in a mix of debt & equity instruments.
The larger debt component (75%+) aims to lower the impact of market fluctuations, while the equity allocation (<25%) aims to boost returns.
The debt portion is mostly in highly rated debt instruments with shorter term maturity profiles while the equity portion is well-diversified across multiple sectors & different-sized companies.
Among DSP's oldest hybrid funds with a 17 year+ track record.

Why should one invest in DSP Regular Savings Fund?

Offers the potential to earn steady income from a primarily debt-oriented portfolio with a little 'boost' of equity.
Earn potentially higher returns as against investing in pure debt funds.
Potential capital preservation during falling markets due to the larger debt allocation.
Suitable for conservative investors.
Can be used by investors for doing STP into Equity Funds.

Who should invest in DSP Regular Savings Fund?

Consider this fund if you
- Are looking to generate a steady potential income & are okay not chasing high returns.
- Want the smoother investment journey associated with debt investing but with a (possibly) higher return profile than debt .
- Are conservative and don't like to take too much risk.

Rethink before you invest

Regular Savings Fund carries Moderate Risk.
The debt allocation in the portfolio does not remove risks arising from falling markets altogether, it aims to reduce it.
Debt allocation also exposes fund to interest rate risk.
In the past, there has been an occasion where this fund's NAV fell by 6% in 1 year.

Fund managers:

Abhishek Singh

Managing this fund since May 2021.

See funds managed by him

See his investing philosophy

Managing this fund since May 2021.

See funds managed by him

See his investing philosophy

Vikram Chopra

Managing this fund since July 2016.

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Managing this fund since July 2016.

See funds managed by him

Jay Kothari

Managing this fund since March 2018.

See funds managed by him

Managing this fund since March 2018.

See funds managed by him

Abhishek has a total work experience of 14 years.
Abhishek has joined DSP Mutual Funds in September 2018 as Assistant Vice President in equity team. His prior experience includes working in Motilal Oswal, Idfc Securities, BNP Paribas, B&K securities and Edelweiss Financial Services.
He has done MBA in finance and holds a Bachelor degree in Electronics Engineering.

Sr. No.	Scheme Name	Managing since	Period
Period for which fund's performance has been provided is computed based on last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of regular plan. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Sr. No.

Scheme Name

Managing since

Period

1 Years

3 Years

5 Years

Scheme return (%)

Benchmark return (%)

Scheme return (%)

Benchmark return (%)

Scheme return (%)

Benchmark return (%)

Period for which fund's performance has been provided is computed based on last day of the month-end preceding the date of advertisement

Different plans shall have a different expense structure. The performance details provided herein are of regular plan.

Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Vikram joined DSP Mutual Funds from L&T Investment Management and brings with him over 14 years of investment experience. He has also previously worked with Fidelity, IDBI Bank and Axis Bank Ltd.

Sr. No.	Scheme Name	Managing since	Period
Period for which fund's performance has been provided is computed based on last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of regular plan. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Sr. No.

Scheme Name

Managing since

Period

1 Years

3 Years

5 Years

Scheme return (%)

Benchmark return (%)

Scheme return (%)

Benchmark return (%)

Scheme return (%)

Benchmark return (%)

Period for which fund's performance has been provided is computed based on last day of the month-end preceding the date of advertisement

Different plans shall have a different expense structure. The performance details provided herein are of regular plan.

Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Jay Kothari, Vice President & Product Strategist -Jay has been with DSP Mutual Funds since May 2005, and has been with the Investment function since January 2011. Jay joined the firm as a member of the Sales team (Banking) in May 2005. Prior to joining DSPAM, Jay worked for Standard Chartered Bank for a year in the Priority Banking division. Jay completed his Bachelor of Management Studies (Finance & International Finance) from Mumbai University, followed by an MBA in Finance from Mumbai University.
Jay is currently the Dedicated Fund Manager for overseas investments for the following schemes of DSP Mutual Fund.

Sr. No.	Scheme Name	Managing since	Period
Period for which fund's performance has been provided is computed based on last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of regular plan. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Sr. No.

Scheme Name

Managing since

Period

1 Years

3 Years

5 Years

Scheme return (%)

Benchmark return (%)

Scheme return (%)

Benchmark return (%)

Scheme return (%)

Benchmark return (%)

Period for which fund's performance has been provided is computed based on last day of the month-end preceding the date of advertisement

Different plans shall have a different expense structure. The performance details provided herein are of regular plan.

Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Top holdings

Housing Development Finance Corporation Limited

3.83%

ICICI Bank Limited

2.98%

Axis Bank Limited

1.93%

ITC Limited

1.16%

Cipla Limited

1.11%

Allocation by Market Cap

Large Cap

75.00%

Mid Cap

12.80%

Small Cap

12.60%

Top Sectors

Finance

5.19%

Banks

4.91%

Pharmaceuticals & Biotechnology

3.95%

Insurance

1.94%

Fertilizers & Agrochemicals

1.74%

See all 23 holdings

Top holdings

National Housing Bank**

8.23%

Power Grid Corporation of India Limited**

5.70%

7.10% GOI 2029

5.45%

REC Limited**

5.44%

Indian Oil Corporation Limited**

5.39%

Cash & cash equivalents

0.01%

Credit rating profile

CRISIL AAA

67.30%

SOV

27.30%

ICRA AAA

3.70%

Cash & Equivalent

1.60%

Instrument break-up

Bonds & NCDs

71.10%

Government Securities (Central/State)

27.30%

TREPS

1.60%

See all 22 holdings

Indicators

Yield to Maturity

7.28 %

Modified Duration

2.09 Years

Portfolio Macaulay Duration

2.21 Years

Average Maturity

2.44 Years

Standard Deviation

3.95 %

Sharpe Ratio

0.43

Beta

0.89

R-Squared

69.71 %

Performance highlights over last

for

investment

Cumulative returns on

Annual returns

Current value

Min CAGR:

MedianCAGR:

Max CAGR:

Good Returns

Negative Returns

vs Fixed Deposit

vs Category

vs Benchmark

Historical Returnsas of with investment of₹10,000
As per SEBI format
As per IDCW history

	This fund		CRISIL Hybrid 85+15 - Conserva… ^{^}		CRISIL 10 Year Gilt In… ^#
	CAGR	Current Value	CAGR	Current Value	CAGR	Current Value

Income distribution Cum Capital Withdrawal (IDCW) Distributed

Record Date	IDCW per unit	NAV Before	NAV After

Chart type

Graph viewTable view

Invested as

Invested Amount

₹

Invested since

This fund

CRISIL Hybrid 85+15 - …

CRISIL 10 Year Gilt In…

Gold

PPF

	Funds	Annual returns	Current Value	Absolute Growth	IDCW paid

Chart type:

Returns RangesStatistics

Invested as

Invested Amount

₹

Invested period

Funds	Minimum	Median	Maximum	% times -ve returns	% times returns > 7%

Fund Details

Investment Objective

The primary Investment objective of the scheme is to seek to generate income, consistent with prudent risk, from a portfolio which is substantially constituted of quality debt securities. The Scheme will also seek to generate capital appreciation by investing a smaller portion of its corpus in equity and equity related securities of issuers domiciled in India.
There is no assurance that the investment objective of the Scheme will be realized

Fund Type

Hybrid

Conservative Hybrid Fund

An open ended hybrid scheme investing predominantly in debt instruments

Riskometer

Level of Risk in the fund

View details

Investors understand that their
principal will be at Moderately High Risk

Fund Documents

Fund presentation

KIM and Applications

Name	% of Net Assets
Housing Development Finance Corporation Limited	3.83%
SBI Cards and Payment Services Limited	0.69%
Manappuram Finance Limited	0.67%

Name	% of Net Assets
ICICI Bank Limited	2.98%
Axis Bank Limited	1.93%

Name	% of Net Assets
Cipla Limited	1.11%
Alkem Laboratories Limited	0.84%
Lupin Limited	0.81%
IPCA Laboratories Limited	0.70%
Alembic Pharmaceuticals Limited	0.49%

Name	% of Net Assets
SBI Life Insurance Company Limited	1.09%
ICICI Lombard General Insurance Company Limited	0.85%

Name	% of Net Assets
Sharda Cropchem Limited	0.93%
Coromandel International Limited	0.81%

Name	% of Net Assets
HCL Technologies Limited	1.07%
Tech Mahindra Limited	0.57%

Name	% of Net Assets
ITC Limited	1.16%

Name	% of Net Assets
Power Grid Corporation of India Limited	1.04%

Name	% of Net Assets
Eureka Forbes Limited	0.89%

Name	% of Net Assets
Hero MotoCorp Limited	0.84%

Name	% of Net Assets
Samvardhana Motherson International Limited	0.75%

Name	% of Net Assets
Oil & Natural Gas Corporation Limited	0.72%

Name	% of Net Assets
Teamlease Services Limited	0.14%

Name	% of Net Assets
National Housing Bank**	8.23%
Power Grid Corporation of India Limited**	5.70%
REC Limited**	5.44%
Indian Oil Corporation Limited**	5.39%
Power Finance Corporation Limited**	4.20%
Hindustan Petroleum Corporation Limited**	3.97%
Power Finance Corporation Limited**	2.93%
Small Industries Development Bank of India**	2.80%
Export-Import Bank of India**	2.80%
National Bank for Agriculture and Rural Development**	2.76%
Housing Development Finance Corporation Limited**	2.76%
Housing Development Finance Corporation Limited**	2.73%
Export-Import Bank of India**	2.71%
NTPC Limited**	0.96%

Name	% of Net Assets
7.10% GOI 2029	5.45%
7.38% GOI 2027	5.08%
7.59% GOI 2026	2.82%
6.18% GOI 2024	2.77%
5.74% GOI 2026	2.68%
5.63% GOI 2026	1.55%
7.83% Gujarat SDL 2026	0.17%

Name	% of Net Assets
TREPS / Reverse Repo Investments / Corporate Debt Repo	1.18%

For lumpsum investments, if the investment period is less than 1 year then same return values are displayed for absolute & XIRR. For periods above 1 year, they are annualized. 1 Year is assumed as 365 days.
Returns for investments in income distribution cum capital withdrawal (IDCW) plans of schemes are calculated after assuming that the net income distribution cum capital withdrawal (IDCW) payouts post statutory taxes & levies, are re-invested back in the scheme.
Income distribution cum capital withdrawals (IDCW) declared from benchmark's constituents isn't taken into account when comparing with investment in scheme's income distribution cum capital withdrawal (IDCW) plans.
Performance is always compared against the latest benchmark of the scheme irrespective of the date of change of scheme's benchmark, if any.
Except when SIP tenure is since inception, for all tenures, the start day for SIP investments is considered as 1st of every month. There is no end date to SIPs for the purpose of graphs.
For the purpose of NAV date applicability, if the investment date happens to be a non-business day, next business day's NAV is applied. Investment on inception date can happen on a non-business day.
Gold prices are available post 29 JAN, 2005 & are based on daily closing values on MCX.
PPF interest rate is assumed at 8.7% p.a. & interest received is compounded daily for the returns illustration in the charts.
Tracking Difference is computed as the difference between the performance of the Scheme and its Benchmark in annualised term.
Tracking Difference shall be disclosed only if the Scheme has completed 1 year period.
Fund returns used for computation are net of TER and of Growth option and benchmark returns are of total return index.
For DSP NIFTY 1D Rate Liquid ETF, growth returns are computed based on IDCW plan assuming reinvestment of payouts but gross of statutory taxes & levies and net of TER.

For lumpsum investments, if the investment period is less than 1 year then same return values are displayed for absolute & XIRR. For periods above 1 year, they are annualized. 1 Year is assumed as 365 days.
Returns for investments in income distribution cum capital withdrawal (IDCW) plans of schemes are calculated after assuming that the net income distribution cum capital withdrawal (IDCW) payouts post statutory taxes & levies, are re-invested back in the scheme.
Income distribution cum capital withdrawals (IDCW) declared from benchmark's constituents isn't taken into account when comparing with investment in fund's income distribution cum capital withdrawal (IDCW) plans.
Performance is always compared against the latest benchmark of the fund irrespective of the date of change of fund's benchmark, if any.
Except when SIP tenure is since inception, for all tenures, the start day for SIP investments is considered as 1st of every month. There is no end date to SIPs for the purpose of graphs.
For the purpose of NAV date applicability, if the investment date happens to be a non-business day, next business day's NAV is applied. Investment on inception date can happen on a non-business day.
Gold prices are available post 29 JAN, 2005 & are based on daily closing values on MCX.
Investment in gold has a strong global market demand and gold is highly liquid asset.
PPF interest rate is assumed at 8.7% p.a. & interest received is compounded daily for the returns illustration in the charts.
The comparison with PPF (and other traditional saving instruments/assets) has been given for the purpose of the general information only. Investments in mutual funds should not be construed as a promise, guarantee on or a forecast of any minimum returns. Unlike traditional saving instruments there is no capital protection guarantee or assurance of any return in mutual fund investment. Traditional savings instruments are comparatively low risk products and are generally backed by the Government. Investment in mutual funds carries high risk as compared to the traditional saving instruments and any investment decision needs to be taken only after consulting the Tax Consultant or Mutual Fund Distributor.
Past performance may or may not sustain in future and should not be used as a basis for comparison with other investments. There is no assurance of any returns/capital protection/capital guarantee to the investors in any scheme of DSP Mutual Fund.
The sector(s)/stock(s)/issuer(s) mentioned in this document do not constitute any recommendation of the same and the Fund may or may not have any future position in these sector(s)/stock(s)/issuer(s).
The investment approach / framework/ strategy / portfolio / other data mentioned herein are dated and currently followed by the scheme and the same may change in future depending on market conditions and other factors.

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DSP Regular Savings Fund

DSP Regular Savings Fund

This is a Hybrid, Conservative Hybrid fund with CRISIL Hybrid 85+15 - Conservative Index as its benchmark. The risk level for this fund is categorized as Moderately High Risk.

Things to know before you invest

What is in DSP Regular Savings Fund?

Why should one invest in DSP Regular Savings Fund?

Who should invest in DSP Regular Savings Fund?

Rethink before you invest

Fund managers:

Portfolio

Current Allocation

Indicators

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