DSP Regular Saving Fund

DSP Regular Saving Fund

NAV as on 31-03-2025

₹ 64.3

Inception Returns

8.8%

/yr

Historical NAV & Returns

Absolute

zero opening, trading, fund transfer fee
176 people have invested ₹ 8.4L in DSP Regular Saving Fund in the last three months

About 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 . This fund gives you the benefit of diversification.

Key Parameters

  1. DSP Regular Saving Fund has ₹163 Cr worth of assets under management (AUM) as on Feb 2025 and is less than category average.
  2. The fund has an expense ratio 0.5.

Returns

DSP Regular Saving Fund has given a CAGR return of 8.82% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 11.46%, 9.97% and 11.77% respectively.

Holdings

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

Taxation

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 20%
For long term (more than 1 year) capital gains will be taxed at 12.5% without indexation benefit
Long term gains up to Rs 1 lakh are exempt from taxation (more than 12 months).

Investment objective of DSP Regular Saving Fund

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 and lockin period

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.

DSP Regular Saving Fund Overview

Expense ratio0.5%
Benchmark
CRISIL Hybrid 85+15 - ConservativeTR INR
AUM₹163 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹100/₹100
Exit Load0%
Lock InNo Lock-in
TurnOver
43.15%
STCGSelling mutual fund within 36 months, gains taxed at slab rates.
LTCGHolding over 3 years, gains taxed at slab rates without indexation.
Risk
Risk meter
pointer
Moderately High risk

Trailing Returns

as on (31-Mar-25)

Period
DSP Regular Saving Fund
Conservative Allocation Index
1M
3.1%
2%
3M
2.3%
-0.1%
6M
1.9%
-0.9%
1Y
11.5%
7.2%
3Y
10%
8.6%
5Y
11.8%
10.5%

Fund Distribution

as on (28-Feb-25)

  • Equity 22.7%

  • Debt & Cash 76%

Large cap
18.5%

Small cap
3.1%

Mid cap
1.2%

Sector Allocation

Feb'25

Jan'25

Dec'24

Financial Services
46%
Consumer Cyclical
13.2%
Health
10.3%
Utilities
5.9%
Basic Materials
5.3%
Industrial
4.8%
Consumer Defensive
4.8%
Energy
3.7%
Tech
3.5%
Communication
2.4%
All changes are between Oct'69 and Dec'69
Parameters
Feb'25
Jan'25
Dec'24
AUM
₹ 162.4 Cr
₹ 164.3 Cr
₹ 178.8 Cr
  • AUM of the fund stands at 162.4 Cr as of Feb'25
  • AUM decreased by 1.9 Cr between Feb'25 and Jan'25
Top Stocks bought last month
Cipla Ltd's allocation increased from 0.77% to 1.2%
Cipla Ltd's allocation increased from 0.77% to 1.2%
Hero MotoCorp Ltd's allocation increased from 0.36% to 0.75%
Hero MotoCorp Ltd's allocation increased from 0.36% to 0.75%
NTPC Ltd's allocation increased from 0.63% to 0.98%
NTPC Ltd's allocation increased from 0.63% to 0.98%
Top Stocks sold last month
Power Grid Corporation Of India Limited's allocation decreased from 6.02 % to 5.64 %
Power Grid Corporation Of India Limited's allocation decreased from 6.02 % to 5.64 %
HDFC Bank Ltd's allocation decreased from 3.05 % to 3.04 %
HDFC Bank Ltd's allocation decreased from 3.05 % to 3.04 %
National Bank For Agriculture And Rural Development's allocation decreased from 5.26 % to 2.98 %
National Bank For Agriculture And Rural Development's allocation decreased from 5.26 % to 2.98 %

Top 3 Sectors in February were Government, Financial Services & Consumer Cyclical

Feb'25
Government
65%
Financial Services
46%
Consumer Cyclical
13%
Jan'25
Government
65%
Financial Services
44%
Consumer Cyclical
15%
Fund
Feb'25
Jan'25
Dec'24
No of Holdings
50
51
52
Top 5 Company Concentration
9.1%
9.1%
9.1%
Company having highest exposure
HDFC Bank Ltd (2.9%)
HDFC Bank Ltd (2.9%)
HDFC Bank Ltd (3%)
No of Sectors
12
12
12
Top 5 Sectors Concentration
143.5%
141.3%
140%
Sector having highest exposure
Government (65.6%)
Government (65.2%)
Government (65.2%)
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Fund House
DSP Asset Managers Private Limited
Total Schemes
Total AUM
₹1.28L Cr
as on 30-Sep-2023
Address
India
Phone
91-22-66578000
Website
service@dspblackrock.com

Mutual Fund Insights

Insights icon
In the last 3 years, Parag Parikh Conservative Hybrid Fund Direct Growth has given 11.26% return, outperforming this fund by 1.29% per annum.
Insights icon
Over the last 3 months, this fund has experienced a 9.7% drop in AUM moving from 180.75 Cr to 163.14 Cr.
Insights icon
This fund has one of the lowest expense ratio in the category (conservative allocation). Its expense ratio is 0.5% which is lower than the category average expense ratio of 1.26%.
Insights icon
In the last 5 years, Kotak Debt Hybrid Direct Growth has given 14.31% return, outperforming this fund by 2.54% per annum.
Insights icon
In the last 1 year, this fund has outperformed all funds in its category.

DSP Regular Saving Fund Highlights

Risk meter
pointer

Moderately High risk

Investors understand that their principal will be at Moderately High risk
About the fund

About the fund

This fund has delivered an average annual returns of 8.82% since inception which is more than its category average return of 7.6%
Fund Allocations

Fund Allocations

This fund has an allocation of 22.72% in Equity, 54.61% in Debt and 21.39% in Cash related instruments
AUM size ₹163 Cr

AUM size ₹163 Cr

This fund has AUM of ₹163 Cr which is less than its category average of ₹ 1532 Cr
Expense Ratio 0.5%

Expense Ratio 0.5%

This fund has an expense ratio of 0.5% which is less than its category average expense ratio of 1.42%

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5Y CAGR

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5Y CAGR

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5Y CAGR

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DSP Arbitrage Fund Direct Growth

DSP Arbitrage Fund Direct Growth

5Y CAGR

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DSP Multi Asset Allocation Fund Direct Growth

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1Y CAGR

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Frequently Asked Questions for DSP Regular Saving Fund

The current NAV of DSP Regular Saving Fund is ₹64.3 as on 31-Mar-2025.
Existing (Absolute + CAGR) as on 31-Mar-2025.
DSP Regular Saving Fund
Absolute Returns
CAGR Returns
1 Month Returns
3.06%
3.06%
6 Month Returns
1.92%
1.92%
1 Year Returns
11.46%
11.46%
3 Years Returns
33%
9.97%
5 Years Returns
74.4%
11.77%
With INDmoney, the process of investing is very simple and involves zero commission.
  • Click Buy on the fund name.
  • Input the amount you are looking to invest.
  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.
0.5% as on March 2025
₹163 Cr as on March 2025
7.32% Govt Stock 2030(12.94%), 7.1% Govt Stock 2029(6.41%), 7.06% Govt Stock 2028(6.4%), Power Grid Corporation Of India Limited(6.27%), Rural Electrification Corporation Limited(6.15%) as on March 2025
Government(50.67%), Cash Equivalent(21.75%), Financial Services(10.7%) as on March 2025
AAA
100
The Exit load of DSP Regular Saving Fund is 0%