DSP Regular Saving Fund

DSP Regular Saving Fund is a hybrid fund. This fund was started on 1 January, 2013. The fund is managed by Kedar Karnik, Jay Kothari. This fund gives you the benefit of diversification.

1. DSP Regular Saving Fund has ₹185 Cr worth of assets under management (AUM) as on Oct 2024 and is less than category average.
2. The fund has an expense ratio 0.5.
   

DSP Regular Saving Fund has given a CAGR return of 8.80% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 13.85%, 9.17% and 9.70% respectively.

DSP Regular Saving Fund has allocated its funds majorly in Government, Financial Services, Corporate, Cash Equivalent, Consumer Cyclical, Health, Basic Materials, Tech, Consumer Defensive, Industrial, Utilities, Energy, Communication.

As it is a conservative allocation mutual fund the taxation is as follows:
If the fund is equity oriented i.e. asset allocation of more than 65% in equity instruments:
For short term (less than a year) capital gains will be taxed at 15%
For long term (more than 1 year) capital gains will be taxed at 10% without indexation benefit
Gains up to Rs 1 lakh are exempt from taxation (more than 12 months).

An Open Ended Income Scheme, seeking 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.

Minimum investment for lump sum payment is INR 100.00 and for SIP is INR 100.00. DSP Regular Saving Fund has no lock in period.