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

The DSP Regular Savings Fund is a 21 yrs 4 m old fund and has delivered average annual returns of 8.69% since inception. DSP Regular Savings Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 5.55% 9.68% 9.01% 7.31% 8.69%

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 ₹58.6393 as of Sep 03, 2025.

Question 2

What are the returns of DSP Regular Savings Fund?

Accepted Answer

The DSP Regular Savings Fund is a 21 yrs 4 m old fund and has delivered average annual returns of 8.69% since inception.

DSP Regular Savings Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
5.55%	9.68%	9.01%	7.31%	8.69%

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 1.23%, 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 ₹173 Crs crore as of Jun 30, 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.	1.78%
ICICI Bank Ltd.	1.27%
Kotak Mahindra Bank Ltd.	0.86%
SBI Life Insurance Company Ltd.	0.71%
Mahindra & Mahindra Ltd.	0.69%
Cipla Ltd.	0.69%
Hero Motocorp Ltd.	0.61%
ITC Ltd.	0.59%
Axis Bank Ltd.	0.57%
NTPC Ltd.	0.56%

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.	1.78%
ICICI Bank Ltd.	1.27%
Kotak Mahindra Bank Ltd.	0.86%
SBI Life Insurance Company Ltd.	0.71%
Mahindra & Mahindra Ltd.	0.69%
Cipla Ltd.	0.69%
Hero Motocorp Ltd.	0.61%
ITC Ltd.	0.59%
Axis Bank Ltd.	0.57%
NTPC Ltd.	0.56%

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	11.97%
Power Grid Corporation Of India Ltd.	5.93%
National Bank For Agriculture & Rural Development	2.92%

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	11.97%
Power Grid Corporation Of India Ltd.	5.93%
National Bank For Agriculture & Rural Development	2.92%

Question 9

What is the risk level of DSP Regular Savings Fund?

Accepted Answer

This is a Conservative Hybrid fund comes with Moderate 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 Regular-Growth?

Accepted Answer

DSP Regular Savings Fund Regular-Growth is the regular plan of the fund. For this plan of you pay 1.23% as annual charges. On the other hand if you go for the direct plan available on ET Money, you pay 0.5%. That's 0.73% less.

Regular plans charge more because when you buy them, the fund pays commission to the agent. This is an additional expense for the fund and to cover this expense, the fund takes a bigger share from the returns generated by your investments.

So, the lower annual cost of the direct plan means you will earn 0.73% if you opt for direct plan of DSP Regular Savings Fund

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.

Expense ratio	1.23% as on Aug 31, 2025
Plan type	Regular
Exit load	0%
AUM (Fund size)	₹173 Cr
Lock-in Period	Nil
Age	21 yrs 4 m since Apr 27, 2004
Benchmark	CRISIL Hybrid 85+15 Conservative Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Period	This fund	Category average
1 Month	-0.49%	-0.43%
3 Months	0.05%	0.04%
6 Months	5.7%	5.71%
1 Year	5.55%	4.47%
2 Years	10.33%	9.13%
3 Years	9.68%	8.69%
4 Years	7.49%	7.64%
5 Years	9.01%	9.07%
7 Years	6.98%	7.68%
10 Years	7.31%	7.75%

Fund name	ETM Rank	AUM	Fund age	Expense ratio
DSP Regular Savings Fund	N.A.	173 Cr	21 yrs 4 m	1.23%
ICICI Prudential Regular Savings Fund	N.A.	3,188 Cr	21 yrs 6 m	1.72%
SBI Conservative Hybrid Fund	N.A.	9,643 Cr	24 yrs 6 m	1.55%
Canara Robeco Conservative Hybrid Fund	N.A.	953 Cr	22 yrs 11 m	1.84%
Baroda BNP Paribas Conservative Hybrid Fund	N.A.	824 Cr	21 yrs	2.0%
HDFC Hybrid Debt Fund	N.A.	3,406 Cr	21 yrs 9 m	1.74%

Fund name	1M	6M	1Y	3Y	5Y	10Y
DSP Regular Savings Fund	-0.49%	5.7%	5.55%	9.68%	9.01%	7.31%
ICICI Prudential Regular Savings Fund	0.52%	7.25%	6.45%	10.03%	9.91%	9.54%
SBI Conservative Hybrid Fund	-0.05%	6.83%	4.59%	9.85%	11.01%	9.04%
Canara Robeco Conservative Hybrid Fund	-0.13%	6.57%	5.02%	8.33%	8.44%	8.09%
Baroda BNP Paribas Conservative Hybrid Fund	-0.47%	5.35%	4.01%	8.05%	7.54%	7.31%
HDFC Hybrid Debt Fund	-0.99%	4.65%	2.71%	9.88%	10.91%	8.92%

Fund name	Std. deviation	Beta	Sharpe	Sortino
DSP Regular Savings Fund	3.42	0.84	0.84	1.59
ICICI Prudential Regular Savings Fund	3.0	0.74	1.06	1.73
SBI Conservative Hybrid Fund	3.36	0.79	0.92	1.58
Canara Robeco Conservative Hybrid Fund	3.6	0.89	0.46	0.76
Baroda BNP Paribas Conservative Hybrid Fund	3.43	0.84	0.4	0.58
HDFC Hybrid Debt Fund	4.06	0.98	0.77	1.44

DSP Regular Savings Fund Regular-Growth

Historical NAV & returns

DSP Regular Savings Fund overview

DSP Regular Savings Fund Returns calculator

Trailing returns as on Sep 04, 2025

Asset allocationas on May 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	0.8 vs. 2.73 Underperformed at beating benchmark
Sharpe	0.84 vs. 2.71 Poor risk-adjusted returns
Beta	0.84 vs. 0.91 Less sensitive to market ups & downs
Standard deviation	3.42 vs. 3.57 More stable returns

Fund AUM	173 Cr as on May 31, 2025
Scheme document	View Scheme Document

No. of schemes	54 view all schemes
Total AUM	1,98,256 Cr as on Jun 30, 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	1Y	5Y
DSP Aggressive Hybrid Fund	N.A.	11,104 Cr	1.55%	16.79%
DSP Equity Savings Fund	N.A.	2,995 Cr	4.14%	10.94%
DSP Dynamic Asset Allocation Fund	N.A.	3,397 Cr	4.12%	10.57%

Sector	Percentage of Portfolio
Financial	5.3900000000000015%
Healthcare	2.12%
Automobile	1.8199999999999998%
Energy	1.4000000000000001%
Insurance	1.02%
Technology	0.94%
Materials	0.6100000000000001%
Consumer Staples	0.59%
Chemicals	0.33%
Services	0.28%

Credit Quality	Percentage of Portfolio
SOV	53.63%
AAA	13.58%
A1+	11.46%