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DSP Regular Savings Fund

DSP Regular Savings Fund

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Benchmark: CRISIL Hybrid 85+15 - Conservati info icon

19.81K people have invested in this fund

View performance details

Return:

This fund

18.00%

CRISIL Hybrid 85+15 - Conservati

14.30%

CRISIL 10 Year Gilt Index

14.15%

Invested

Earning

This fund

18.00%

CRISIL Hybrid 85+15 - Conservati

14.30%

CRISIL 10 Year Gilt Index

14.15%

team 19.81K 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

200.81 crores as of Oct 31, 2022

Age of Fund

18 years 5 months since Jun 11, 2004

Expense Ratio

1.09% as of Dec 02, 2022

Exit Load

NIL

Ideal holding period

5 Years+

Holdings

  as of Oct 31, 2022

HCL Technologies Limited

2.73%

ICICI Bank Limited

2.70%

Housing Development Finance Corporation Limited

2.16%

SBI Life Insurance Company Limited

1.87%

Axis Bank Limited

1.86%

ITC Limited

1.33%

Hero MotoCorp Limited

1.13%

Large Cap

73.60%

Small Cap

14.60%

Mid Cap

12.00%

Banks

22.00%

Finance

14.30%

It - Software

13.10%

Pharmaceuticals & Biotechnology

12.60%

Insurance

10.90%

Rolling Returns

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

View performance details

Things to know before you invest

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What is in DSP Regular Savings Fund?

  1. DSP Regular Savings fund invests in a mix of debt & equity instruments.
  2. The larger debt component (75%+) aims to lower the impact of market fluctuations, while the equity allocation (<25%) aims to boost returns.
  3. 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.
  4. Among DSP's oldest hybrid funds with a 17 year+ track record.
  1. Offers the potential to earn steady income from a primarily debt-oriented portfolio with a little 'boost' of equity.
  2. Earn potentially higher returns as against investing in pure debt funds.
  3. Potential capital preservation during falling markets due to the larger debt allocation.
  1. 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.
  1. Regular Savings Fund carries Moderate Risk.
  2. The debt allocation in the portfolio does not remove risks arising from falling markets altogether, it aims to reduce it.

Fund managers:

Abhishek Singh

Abhishek Singh

Managing this fund since May 2021.
Managing this fund since May 2021.

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Vikram Chopra

Vikram Chopra

Managing this fund since July 2016.
Managing this fund since July 2016.

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Jay Kothari

Jay Kothari

Managing this fund since March 2018.
Managing this fund since March 2018.

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Portfolio

Prescribed asset allocation: 75% - 90% *Debt and Money Market Securities , 10% - 25% Equity & equity related instruments , 0% - 10% Units of REITs & InvITs

Current Allocation

as of Oct 31, 2022

Top holdings

HCL Technologies Limited

2.73%

ICICI Bank Limited

2.70%

Housing Development Finance Corporation Limited

2.16%

SBI Life Insurance Company Limited

1.87%

Axis Bank Limited

1.86%

Allocation by Market Cap

Large Cap

73.60%

Small Cap

14.60%

Mid Cap

12.00%

Top Sectors

Banks

5.52%

Finance

3.58%

It - Software

3.28%

Pharmaceuticals & Biotechnology

3.16%

Insurance

2.72%

Top holdings

Indian Railway Finance Corporation Limited**

7.58%

7.32% GOI 2024

7.12%

Power Grid Corporation of India Limited**

5.45%

National Housing Bank**

5.19%

Power Finance Corporation Limited**

5.18%

Cash & cash equivalents

0.08%

Credit rating profile

CRISIL AAA

69.80%

SOV

26.40%

IND A1+

3.10%

Cash & Equivalent

0.70%

Instrument break-up

Bonds & NCDs

70.00%

Government Securities (Central/State)

26.20%

Money market instruments

3.10%

TREPS

0.60%


Indicators

Yield to Maturity

7.41 %

Modified Duration

1.83 Years

Portfolio Macaulay Duration

1.95 Years

Average Maturity

2.13 Years

Standard Deviation

6.32 %

Sharpe Ratio

0.06

Beta

1.24

R-Squared

70.76 %

Compare Performance

Performance highlights over last

for

investment

Cumulative returns on

Annual returns

Current value

Min CAGR:
MedianCAGR:
Max CAGR:

Good Returns

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vs Benchmark

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  • Historical Returns (As per SEBI format)with investment of10,000

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

Invested as

Invested Amount

Invested since

This fund

Vs

CRISIL Hybrid 85+15 -

CRISIL 10 Year Gilt In

Gold

PPF

Funds Annual returns Current Value Absolute Growth

Chart type:

Invested as

Invested Amount

Invested period

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

Date of allotment: Jun 11, 2004.

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.

Since inception returns have been calculated from the date of allotment till June 30, 2021

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

Rolling returns have been calculated based on returns from regular plan growth option.

^ Fund Benchmark # Standard Benchmark

Fund Details

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

Minimum Investment

Rs.  500 Lumpsum
Rs.  500 SIP– 12 instalments
Rs.  500 Minimum Additional Purchase

team 19.81K peoplehave invested in this fund as of