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DSP Regular Savings Fund

DSP Regular Savings Fund

Benchmark: CRISIL Hybrid 85+15 - Conservati info icon

20.4K 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 20.4K people have invested in this fund as of

Total AUM

162.42 crores
as of Feb 28, 2025

Age of Fund

20 years 9 months since Jun 11, 2004

Expense Ratio

1.11%
as of Mar 26, 2025

Exit Load

NIL

Ideal holding period

3 Years+

Portfolio

Current Allocation

as of Feb 28, 2025

Top holdings

HDFC Bank Limited

2.98%

ICICI Bank Limited

2.01%

Kotak Mahindra Bank Limited

1.61%

Cipla Limited

1.22%

ITC Limited

1.11%

Allocation by Market Cap

Large Cap

79.10%

Small Cap

14.70%

Mid Cap

6.30%

Top Sectors

Banks

7.71%

Pharmaceuticals & Biotechnology

2.40%

Automobiles

1.83%

Finance

1.57%

Insurance

1.38%

Top holdings

No Data to display

Top holdings

7.32% GOI 2030

12.95%

Indian Oil Corporation Limited

6.54%

7.10% GOI 2029

6.42%

7.06% GOI 2028

6.41%

Power Grid Corporation of India Limited

6.28%

Cash & cash equivalents

0.13%

Credit rating profile

SOV

52.60%

CRISIL AAA

35.90%

Cash & Equivalent

7.00%

CRISIL A1+

3.90%

Uncategorized

0.40%

Instrument break-up

Government Securities (Central/State)

52.80%

Bonds & NCDs

35.80%

TREPS

7.00%

Money market instruments

3.90%

Mutual-funds

0.40%


Indicators

Yield to Maturity

6.97 %

Modified Duration

2.11 Years

Portfolio Macaulay Duration

2.18 Years

Average Maturity

2.60 Years

Standard Deviation

3.65 %

Sharpe Ratio

0.52

Beta

0.97

R-Squared

80.47 %

Compare Performance

Performance highlights over last

for

investment

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  • Historical Returns (As per SEBI format)as of 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 Face Value 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.

Pursuant to payments of Income Distribution cum Capital Withdrawal, the NAV of the IDCW option(s) of Schemes would fall to the extent of payout, and statutory levy, if any.

^ Fund Benchmark # Additional Benchmark

Fund Details

Fund Details

Things to know before you invest

  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.
  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.
  4. Suitable for conservative investors.
  5. Can be used by investors for doing STP into Equity Funds.
  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.
  3. Debt allocation also exposes fund to interest rate risk.

Fund managers:

Abhishek Singh

Abhishek Singh

Total work experience of 18 years. Managing this fund since May 2021.
Total work experience of 18 years. Managing this fund since May 2021.

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Shantanu Godambe

Shantanu Godambe

Total work experience of 17 years. Managing this fund since August 2024.
Total work experience of 17 years. Managing this fund since August 2024.

arrow_forwardSee funds managed by him


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
Riskometer

Minimum Investment

  • Lumpsum ₹ 100
  • SIP ₹ 100 (12 instalments)
  • Additional purchase ₹ 100

Fund Documents

FAQs

FAQs

There are two major ways to invest in the DSP Regular Saving Fund, (a) one is to invest through the DSP Mutual Fund's website; (b) another is to invest through a SEBI registered market intermediary, such as a zero-brokerage mutual fund platform, using its app or website.
Before making any kind of investment decision, it is important to understand that most mutual funds including the DSP Regular Savings Fund, have two Plans of the same mutual fund scheme. The two plans are (i) the direct plan and (ii) the regular plan. Investors can invest in the direct Plan of the DSP Regular Savings Fund through (a) zero-commission platforms or (b) through the website of the DSP Mutual Fund. If you are investing in the direct Plan from a no brokerage app/web platform, the exact name of the mutual funds scheme which you search for is DSP Regular Savings Fund Direct Plan Growth Option.

Investors can redeem their mutual funds units of the DSP Regular Savings Fund by following the below-enumerated steps:
(a) login into investment platform from where you made the investment: Login into your investment account with your investment platform using your secured login credentials. Investment platform will be the app/website through which you made the investment initially in the DSP Regular Savings Fund. It may be DSP Mutual Fund's website or website/app of a zero-commission platform or website/app of a mutual fund distributor's website/app;
(b) find your mutual fund units: Typically, your mutual fund investment platform will list all the mutual fund investments you have made through that particular platform. Identify the DSP Regular Savings Fund in your portfolio;
(c) initiate redemption: Select the "Redeem" or "Sell" option of your DSP Regular Savings Fund units;
(d) enter redemption details: Enter the number of mutual fund units you wish to redeem or, in the alternative the amount you intend to withdraw;
(e) confirm details: review the redemption details entered by you and confirm your redemption request by clicking "redeem" or on the "ok" button;
(f) await confirmation: Typically, investor's redemption request for redeeming the mutual fund units will be registered immediately within the system, and a confirmation message will pop up. The time for processing transfer of money may vary depending on a number of factors;
(g) receipt of funds: once the redemption request is processed by the mutual fund house, the funds will be credited to the bank account linked to your investment platform.

The expense ratio is a fee charged annually by the mutual fund house, to the investors investing in a particular mutual fund scheme. The said fee is charged by the mutual fund house in exchange for providing the investment service to the investors investing in the mutual fund. The fee covers operational expenses as well as management expenses of the mutual fund house in relation to a particular mutual fund scheme. As mentioned above, mutual fund schemes have two plans: (a) regular plan and (b) direct plan. The direct Plan of a mutual fund scheme has a lower expense ratio in comparison to the regular Plan of the same mutual fund scheme. Generally, regular Plans have a higher expense ratio than the direct Plan since typically they are sold/distributed through a SEBI registered intermediary, i.e., a mutual fund distributor. A higher expense ratio for the regular Plan of a mutual fund scheme is necessary to ensure that the mutual fund distributor is also compensated adequately for distributing/selling the mutual fund scheme.

As stated previously, mutual funds schemes have two plans one is the direct plan, and another is the regular plan. In case of the direct plan, the expense ratio is generally lower than the expense ratio charged in case of the regular plan. As mentioned above, the expense ratio is the fee charged by the mutual fund house annually to its investors for proving the investment service. The said fee covers the operational as well as management expenses of the mutual fund house. The expense ratio is higher in case of the regular Plan of a mutual fund scheme since it is typically distributed through a SEBI registered intermediary, i.e., a mutual fund distributor. The high expense ratio for the regular Plan ensures that the mutual fund distributors is also compensated adequately for its efforts in selling/distributing the mutual fund.

team 20.4K peoplehave invested in this fund as of