Q: What are the returns of DSP Regular Savings Fund?

The DSP Regular Savings Fund is a 12 yrs 3 m old fund and has delivered average annual returns of 8.84% since inception. DSP Regular Savings Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 12.28% 10.47% 11.66% 8.35% 8.84%

Question 1

What is the current NAV of DSP Regular Savings Fund?

Accepted Answer

The current Net Asset Value (NAV) of the DSP Regular Savings Fund - Direct Growth plan is approximately ₹65.284 as of Apr 23, 2025.

Question 2

What are the returns of DSP Regular Savings Fund?

Accepted Answer

The DSP Regular Savings Fund is a 12 yrs 3 m old fund and has delivered average annual returns of 8.84% since inception.

DSP Regular Savings Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
12.28%	10.47%	11.66%	8.35%	8.84%

Question 3

How much does DSP Regular Savings Fund charge as the expense ratio?

Accepted Answer

The DSP Regular Savings Fund - Direct Growth has an expense ratio of 0.5%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

Question 4

What is the AUM or size of DSP Regular Savings Fund?

Accepted Answer

The DSP Regular Savings Fund currently has assets under management (AUM) or fund size valued at approximately ₹164 Crs crore as of Mar 31, 2025.

Question 5

What are the top stock holdings of DSP Regular Savings Fund?

Accepted Answer

The DSP Regular Savings Fund's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
HDFC Bank Ltd.	3.12%
ICICI Bank Ltd.	2.23%
Kotak Mahindra Bank Ltd.	1.82%
Cipla Ltd.	1.24%
Axis Bank Ltd.	1.2%
SBI Life Insurance Company Ltd.	1.17%
NTPC Ltd.	1.15%
ITC Ltd.	1.14%
Mahindra & Mahindra Ltd.	1.12%
Samvardhana Motherson International Ltd.	0.92%

Question 6

What are the top sectors DSP Regular Savings Fund has invested in?

Accepted Answer

The DSP Regular Savings Fund's equity portion is primarily invested in the following sectors -

Company	Percentage of Portfolio
HDFC Bank Ltd.	3.12%
ICICI Bank Ltd.	2.23%
Kotak Mahindra Bank Ltd.	1.82%
Cipla Ltd.	1.24%
Axis Bank Ltd.	1.2%
SBI Life Insurance Company Ltd.	1.17%
NTPC Ltd.	1.15%
ITC Ltd.	1.14%
Mahindra & Mahindra Ltd.	1.12%
Samvardhana Motherson International Ltd.	0.92%

Question 7

To whom does DSP Regular Savings Fund lend to?

Accepted Answer

The top 3 debt holdings of DSP Regular Savings Fund are as follows

Holding Name	Percentage of Portfolio
GOI	40.55%
Power Grid Corporation Of India Ltd.	6.29%
Bank Of Baroda	6.04%

Question 8

What is the quality of borrowers DSP Regular Savings Fund lends to?

Accepted Answer

The credit rating of the instruments in which the fund invests represents the quality of the borrower. The DSP Regular Savings Fund's debt portion's allocation by credit quality is given below

Holding Name	Percentage of Portfolio
GOI	40.55%
Power Grid Corporation Of India Ltd.	6.29%
Bank Of Baroda	6.04%

Question 9

What is the risk level of DSP Regular Savings Fund?

Accepted Answer

This is a Conservative Hybrid fund comes with Moderately High risk.

Question 10

Is there any lock-in period in DSP Regular Savings Fund?

Accepted Answer

No, this fund does not have any lock-in period.

Question 11

How do I invest in DSP Regular Savings Fund?

Accepted Answer

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. It is just a matter of a few minutes. Here's how:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for DSP Regular Savings Fund and choose the investment mode (Lump sum investment or a SIP). Then, enter your investment amount.
Fill in additional required details, including the bank account you'll use for payment, and confirm.

All set! Your investment in DSP Regular Savings Fund is complete.

Question 12

How can I redeem my investments in DSP Regular Savings Fund?

Accepted Answer

Redeeming your investments in DSP Regular Savings Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in DSP Regular Savings Fund from anywhere else, you can go to the fund house website and put a request through it.

VRO rating	3
Expense ratio	0.5% as on Mar 31, 2025
Exit load	0% Exit load of 1% if redeemed less than 12 months!
AUM (Fund size)	₹164 Crs
Lock-in	No Lockin
Age	12 yrs 3 m since Jan 01, 2013
Benchmark	CRISIL Hybrid 85+15 Conservative
Min. investment	SIP ₹500 & Lump. ₹1000
Risk	Moderately High
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Period	This fund	Category average
1 month	1.39%	2.2%
3 months	4.57%	3.6%
6 months	4.55%	3.64%
1 year	12.28%	10.64%
3 years	10.47%	10.02%
5 years	11.66%	11.57%
7 years	8.11%	8.7%
10 years	8.35%	8.76%

Fund name	ETM Rank	AUM (in Crs.)	Fund age	Expense ratio
DSP Regular Savings Fund	N.A.	₹164 Crs	12 yrs 3 m	0.5%
ICICI Prudential Regular Savings Fund	N.A.	₹3,127 Crs	12 yrs 3 m	0.97%
SBI Conservative Hybrid Fund	N.A.	₹9,666 Crs	12 yrs 3 m	1.05%
Kotak Debt Hybrid Fund	N.A.	₹3,017 Crs	12 yrs 3 m	0.45%
Canara Robeco Conservative Hybrid Fund	N.A.	₹936 Crs	12 yrs 3 m	0.67%
HDFC Hybrid Debt Fund	N.A.	₹3,310 Crs	12 yrs 3 m	1.15%

Fund name	1M	6M	1Y	3Y	5Y	10Y
DSP Regular Savings Fund	1.39%	4.55%	12.28%	10.47%	11.66%	8.35%
ICICI Prudential Regular Savings Fund	1.77%	3.87%	10.67%	10.8%	11.88%	10.18%
SBI Conservative Hybrid Fund	2.02%	2.65%	9.87%	10.61%	13.29%	9.82%
Kotak Debt Hybrid Fund	2.81%	3.67%	12.06%	12.28%	14.18%	11.01%
Canara Robeco Conservative Hybrid Fund	1.94%	3.32%	11.03%	9.66%	11.33%	9.18%
HDFC Hybrid Debt Fund	2.44%	3.77%	10.38%	11.57%	13.4%	9.58%

Fund name	Std. deviation	Beta	Sharpe	Sortino
DSP Regular Savings Fund	3.89	0.89	0.82	1.5
ICICI Prudential Regular Savings Fund	3.32	0.76	1.06	2.1
SBI Conservative Hybrid Fund	3.7	0.8	0.97	1.67
Kotak Debt Hybrid Fund	4.87	1.12	0.95	1.53
Canara Robeco Conservative Hybrid Fund	3.96	0.91	0.6	1.02
HDFC Hybrid Debt Fund	4.25	0.97	0.99	1.92

DSP Regular Savings Fund Direct-Growth

Historical NAV & returns

DSP Regular Savings Fund overview

DSP Regular Savings Fund Returns calculator

Trailing returns as on Apr 24, 2025

Asset allocationas on Mar 31, 2025

Peer comparison

Key risk & return ratios Compared to other funds in the category

Compare DSP Regular Savings Fund in detail with

About this fund

About DSP Regular Savings Fund

Fund managers

Investment objective

DSP Mutual Fund details

More funds from DSP Mutual Fund

Frequently asked questions

DSP Regular Savings Fund Returns

ET Money rank

Alpha	1.46 vs. 3.45 Underperformed at beating benchmark
Sharpe	0.82 vs. 4.01 Poor risk-adjusted returns
Beta	0.89 vs. 1.16 Less sensitive to market ups & downs
Standard deviation	3.89 vs. 3.92 More stable returns

Fund AUM	₹164 Crs as on Mar 31, 2025
Scheme document	View Scheme Document

No. of schemes	50 view all schemes
Total AUM	₹1,87,436 Crs as on Mar 31, 2025
Address	NATRAJ, Office No. 302-3rd Floor-Plot No. 194, MV Road Junction Western Express Highway, Andheri East Mumbai, 400069
Phone	1800-208-4499 / 1800-200-4499

Fund name	ETM Rank	AUM (in Crs.)	1Y	5Y
DSP Aggressive Hybrid Fund	N.A.	₹10,425 Crs	19.83%	21.8%
DSP Dynamic Asset Allocation Fund	N.A.	₹3,217 Crs	13.67%	14.54%
DSP Equity Savings Fund	N.A.	₹2,517 Crs	12.81%	14.47%
DSP Multi Asset Allocation Fund	N.A.	₹2,787 Crs	15.65%	N.A.
DSP Arbitrage Fund	N.A.	₹5,964 Crs	7.74%	5.95%

Sector	Percentage of Portfolio
Financial	9.85%
Automobile	2.77%
Healthcare	2.54%
Energy	2.4899999999999998%
Insurance	1.48%
Technology	1.24%
Consumer Staples	1.14%
Materials	0.6799999999999999%
Communication	0.58%
Chemicals	0.55%

Credit Quality	Percentage of Portfolio
SOV	40.74%
AAA	14.17%
A1+	11.99%