DSP Regular Savings Fund

Q: What are the returns of this mutual fund scheme?

The DSP Regular Savings Fund is a 21 yrs 9 m old fund and has delivered average annual returns of 8.61% since inception. DSP Regular Savings Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 6.75% 9.67% 8.01% 7.45% 8.61%

Q: How much does this mutual fund charge as expense ratio?

The DSP Regular Savings Fund has an expense ratio of 1.21% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹59.6798-0.27% 1 day change	8.61% p.a.	App exclusive #NA View Ranked Funds	₹184 Cr

Historical NAV & returns

NAV: ₹59.6798 as on Feb 02, 2026

This fund Category average

DSP Regular Savings Fund overview

AUM (Fund size)	₹184 Cr
Exit load	0%
Lock-in Period	Nil
Age	21 yrs 9 m since Apr 27, 2004
Benchmark	CRISIL Hybrid 85+15 Conservative Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	1.21% as on Feb 02, 2026
Plan type	Regular
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

DSP Regular Savings Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Feb 03, 2026

Period	This fund	Category average
1 Month	-0.83%	-0.96%
3 Months	0.29%	-0.44%
6 Months	1.27%	0.8%
1 Year	6.75%	6.29%
2 Years	8.36%	7.64%
3 Years	9.67%	8.86%
4 Years	7.75%	7.44%
5 Years	8.01%	7.5%
7 Years	8.32%	8.09%
10 Years	7.45%	7.93%

Asset allocationas on Dec 31, 2025

Large Cap 12.09%

Mid Cap 1.71%

Small Cap 4.97%

Other Cap 0%

Top holdings

Canara HSBC Life Insurance Company Ltd.2.09%

HDFC Bank Ltd.1.7%

ICICI Bank Ltd.1.61%

ITC Ltd.1.04%

Top sectors

Financial 5.94%

Insurance 2.9299999999999997%

Healthcare 2.44%

Energy 1.97%

SOV 60.61%

Cash & Call Money 12.49%

AA+ 4.1%

AAA 2.9%

Top Debt Holdings

GOI 11.43%

Muthoot Finance Ltd. 4.1%

National Bank For Agriculture & Rural Development 2.9%

Gujarat State 0.17%

Allocation by Instruments

GOI Securities 49.01%

Reverse Repo 12.21%

GOI Securities Floating Rate Bond 11.43%

Debenture 7.0%

Other Holdings

Others 12.21%

Roadstar Infra Investment Trust 0.81%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
DSP Regular Savings Fund	-0.83%	1.27%	6.75%	9.67%	8.01%	7.45%
ICICI Prudential Regular Savings Fund	-0.85%	1.94%	7.25%	10.05%	8.75%	9.65%
SBI Conservative Hybrid Fund	-1.28%	1.03%	6.26%	9.47%	9.06%	8.96%
HDFC Hybrid Debt Fund	-0.98%	0.66%	5.07%	9.44%	9.23%	9.25%
Nippon India Conservative Hybrid Fund	-0.32%	3.51%	9.0%	9.04%	8.28%	6.02%

Fund name	Std. deviation	Beta	Sharpe	Sortino
DSP Regular Savings Fund	3.22	0.81	1.04	1.97
ICICI Prudential Regular Savings Fund	2.91	0.74	1.23	1.87
SBI Conservative Hybrid Fund	3.46	0.85	0.92	1.47
HDFC Hybrid Debt Fund	3.88	0.97	0.82	1.41
Nippon India Conservative Hybrid Fund	1.89	0.45	1.4	2.36

Fund name	ETM Rank	AUM	Fund age	Expense ratio
DSP Regular Savings Fund	N.A.	184 Cr	21 yrs 9 m	1.21%
ICICI Prudential Regular Savings Fund	N.A.	3,359 Cr	21 yrs 11 m	1.72%
SBI Conservative Hybrid Fund	N.A.	9,851 Cr	24 yrs 11 m	1.54%
HDFC Hybrid Debt Fund	N.A.	3,354 Cr	22 yrs 2 m	1.76%
Nippon India Conservative Hybrid Fund	N.A.	933 Cr	22 yrs 1 m	1.87%

View all Conservative Hybrid funds

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

Alpha	0.82 vs. 2.77 Underperformed at beating benchmark
Sharpe	1.04 vs. 2.91 Poor risk-adjusted returns
Beta	0.81 vs. 1.05 Less sensitive to market ups & downs
Standard deviation	3.22 vs. 3.47 More stable returns

Compare DSP Regular Savings Fund in detail with

About this fund

About DSP Regular Savings Fund

DSP Regular Savings Fund is a Conservative Hybrid mutual fund scheme from Dsp Mutual Fund. This fund has been in existence for 21 yrs 9 m, having been launched on 27/04/2004. DSP Regular Savings Fund has ₹184 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of DSP Regular Savings Fund as of 02/02/2026 is ₹59.68. The fund has an expense ratio of 1.21%, which is higher than what most other Conservative Hybrid funds charge. Currently, the fund has a 18.77% allocation to equity and 67.93% to Debt.

DSP Regular Savings Fund returns of last 1-year are 6.65%. Since launch, it has delivered 8.60% average annual returns. The fund has doubled the money invested in it every 10 yrs.
DSP Regular Savings Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is above average.
The fund's equity portion is primarily invested in Financial, Insurance, Healthcare, Energy, Technology sectors. It has taken less exposure in Financial, Insurance sectors compared to other funds in the category.
The debt portion of the fund has moderate credit quality indicating the quality of borrowers it has lent it to is good.
The fund's top 5 holdings are in GOI, Muthoot Finance Ltd., National Bank For Agriculture & Rural Development, Canara HSBC Life Insurance Company Ltd., HDFC Bank Ltd..

...

Fund AUM	184 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

Fund managers

Abhishek Singh

Mr. Singh is a B-Tech, IIT Kanpur PGDM, IIM Lucknow Prior to joining DSP Mutual Fund he has worked with EdelCap Securities Limited, Systematic Trading Division. Kotak Securities Limited, Proprietary Trading and Structured Products Division. Kotak Mahindra Investments Limited, Structured Products Division.

Shantanu Godambe

Mr. Godambehas done B.Com, MS (Finance) and CFA Prior to joining DSP Mutual Fund, he has worked with Yes Bank, Prebon Yamane and ICAP India Private Limited

Investment objective

The scheme seeks to generate attractive return, consistent with prudent risk, from a portfolio comprising substantially of quality debt securities. It also aims to generate capital appreciation by investing up to 10 per cent its corpus in equity of 100 largest corporates by market capitalization, listed in India.

DSP Mutual Fund details

No. of schemes	54 view all schemes
Total AUM	2,24,669 Cr as on Dec 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

More funds from DSP Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
DSP Aggressive Hybrid Fund	N.A.	12,162 Cr	4.75%	12.02%
DSP Multi Asset Allocation Fund	N.A.	6,440 Cr	26.71%	N.A.
DSP Dynamic Asset Allocation Fund	N.A.	3,709 Cr	8.1%	8.8%
DSP Equity Savings Fund	N.A.	3,905 Cr	5.62%	8.59%
DSP Arbitrage Fund	N.A.	7,002 Cr	6.07%	5.72%

See all Hybrid funds from this AMC

Frequently asked questions

What is the current NAV of DSP Regular Savings Fund?

The current Net Asset Value (NAV) of the DSP Regular Savings Fund plan is approximately ₹59.6798 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The DSP Regular Savings Fund is a 21 yrs 9 m old fund and has delivered average annual returns of 8.61% since inception.

DSP Regular Savings Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
6.75%	9.67%	8.01%	7.45%	8.61%

How much does this mutual fund charge as expense ratio?

The DSP Regular Savings Fund has an expense ratio of 1.21%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The DSP Regular Savings Fund currently has assets under management (AUM) or fund size valued at approximately 184 Cr as on Dec 31, 2025.

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

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

Company	Percentage of Portfolio
Canara HSBC Life Insurance Company Ltd.	2.09%
HDFC Bank Ltd.	1.7%
ICICI Bank Ltd.	1.61%
ITC Ltd.	1.04%
Infosys Ltd.	1.0%
Axis Bank Ltd.	0.95%
Mahindra & Mahindra Ltd.	0.77%
NTPC Ltd.	0.76%
Kotak Mahindra Bank Ltd.	0.69%
Samvardhana Motherson International Ltd.	0.63%

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

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

Sector	Percentage of Portfolio
Financial	5.94%
Insurance	2.9299999999999997%
Healthcare	2.44%
Energy	1.97%
Technology	1.49%
Automobile	1.4%
Consumer Staples	1.04%
Materials	0.6499999999999999%
Communication	0.35%
Chemicals	0.33%

To whom does DSP Regular Savings Fund lend to?

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

Holding Name	Percentage of Portfolio
GOI	11.43%
Muthoot Finance Ltd.	4.1%
National Bank For Agriculture & Rural Development	2.9%

What is the quality of borrowers this mutual fund scheme lends to?

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

Credit Quality	Percentage of Portfolio
SOV	60.61%
Cash & Call Money	12.49%
AA+	4.1%

What is risk level of DSP Regular Savings Fund?

This is a Conservative Hybrid fund comes with Moderate risk.

Is there any lock-in period in this mutual fund?

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

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

Redeeming your investments in the DSP Regular Savings Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

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

ET Money rank

App exclusive

in Conservative Hybrid

#NA

Chance: This fund has generated a 7.6% annual return in 70% of times for investors holding for at least 5 years.
Exit Load: This fund has no exit load.
Return/Risk: The fund is performing poorly than its category.