DSP Regular Savings Fund
Plan type

	CAGR since inception

Scheme Type:

Scheme Risk:
Moderately High Risk
Age:
20 years 9 months since Jun 11, 2004
AUM:
Rs. 162.42 crores as of Feb 28, 2025
Horizon:
3 Years+
Benchmark:
CRISIL Hybrid 85+15 - Conservativ…
Benchmark Risk:
Moderately High Risk
Goal:
Capital Growth & Income

Scheme features

Performance

Cumulative returns

Returns from of Rs. invested

Show:

Annualized Returns

Absolute Returns

This scheme		CRISIL Hybr…	CRISIL 10 Y…	Gold	PPF
NA	vs	NA	NA	NA	NA
NA	vs	NA	NA	NA	NA

Scheme disclaimers »

Returns calculator

	This scheme	CRISIL Hybr… ^#	CRISIL 10 Y… ^#	Gold	PPF
# Returns do not reflect any income distribution cum capital withdrawal (IDCW) distribution

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Returns summary

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Rolling returns

	1 Year	3 Years	5 Years	10 Years
# Rolling returns have been calculated based on returns from regular plan growth option.

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Fund Managers

Abhishek Singh

Total work experience of 18 years. Managing this fund since May 2021. Equity and Overseas portion See all funds managed by Abhishek Singh »
See his investing philosophy »
Shantanu Godambe

Total work experience of 17 years. Managing this fund since August 2024. Debt portion See all funds managed by Shantanu Godambe »

Investment Objective

The primary Investment objective of the scheme is to seek 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 appreciatio ...more

Scheme Description

Investment in equity & equity related instruments - between 10% to 25% of total assets; Investment in Debt instruments- between 75% to 90% of total assets

Scheme Documents

KIM & Application

Historical Returns

In SEBI format

Comparative performance of DSP Regular Savings Fund as of
	DSP Regular Savings…	CRISIL Hybr… ^{^}	CRISIL 10 Y… ^#
Date of allotment: Jun 11, 2004. Period for which fund's performance has been provided is computed based on last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of Regular Plan. Since inception returns have been calculated from the date of allotment till June 28, 2013 See all funds managed by Abhishek Singh » See all funds managed by Shantanu Godambe » Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments ^ Fund Benchmark # Additional Benchmark

Scheme disclaimers »

Portfolio as of Feb 28, 2025

Equity

Market capitalization

No data to display

Sector allocation

No data to display

Top 5 stocks by holding
Name	% of Net Assets
HDFC BANK LIMITED	2.98%
ICICI BANK LIMITED	2.01%
KOTAK MAHINDRA BANK LIMITED	1.61%
CIPLA LIMITED	1.22%
ITC LIMITED	1.11%
See detailed equity holdings »

Debt & debt instruments

Credit rating profile

No data to display

Instrument break-up

No data to display

Top 5 instruments by holding
Name	% of Net Assets
7.32% GOI 2030	12.95%
INDIAN OIL CORPORATION LIMITED	6.54%
7.10% GOI 2029	6.42%
7.06% GOI 2028	6.41%
POWER GRID CORPORATION OF INDIA LIMITED	6.28%
See detailed debt holdings »

Prescribed Asset Allocation

75% - 90% *Debt and Money Market Securi…
10% - 25% Equity & equity related instr…

See complete asset allocation »

Current Asset Allocation as of Feb 28, 2025

Debt Instruments see breakup 76.69% (76.69}%)

Equity & equity related securities 23.18% (23.18}%)

Indicators

Yield to Maturity
6.87 %
Modified Duration
2.13 Years
Portfolio Macaulay Duration
2.21 Years
Average Maturity
2.63 Years

Abhishek Singh

Abhishek has a total work experience of over 14 years.He joined DSP Investment Managers in January 2021 as Assistant Vice President in the Equity Team Abhishek has worked with Kotak Mahindra Group and Edelweiss in the past.He is an Electrical Engineer (IIT, Kanpur) and has a Post Graduate Diploma in Management from IIM, Lucknow.

All Funds managed by Abhishek Singh
Sr. No.	Scheme Name	Managing since	Period
Sr. No.	Scheme Name	Managing since	1 Year		3 Years		5 Years
Period for which fund's performance has been provided is computed based on last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of regular plan. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Shantanu Godambe

Shantanu has a total work experience of Over 16 years. He joined DSP Asset Managers in March 2023 as Vice President in Fixed Income Team. Shantanu has also worked with Yes Bank Ltd as a Rates Trader. He has cleared CFA from CFA Institute, MS (Finance) from ICFAI University and B.Com from Mumbai University.

All Funds managed by Shantanu Godambe
Sr. No.	Scheme Name	Managing since	Period
Sr. No.	Scheme Name	Managing since	1 Year		3 Years		5 Years
Period for which fund's performance has been provided is computed based on last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of regular plan. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Equity holdings for DSP Regular Savings Fund

Banks
7.71%

Name	% of Net Assets
HDFC BANK LIMITED	2.98%
ICICI BANK LIMITED	2.01%
KOTAK MAHINDRA BANK LIMITED	1.61%
AXIS BANK LIMITED	1.11%

33.3% of Equity and equity related securities

Pharmaceuticals & Biotechnology
2.4%

Name	% of Net Assets
CIPLA LIMITED	1.22%
ALEMBIC PHARMACEUTICALS LIMITED	0.52%
SUVEN PHARMACEUTICALS LIMITED	0.48%
IPCA LABORATORIES LIMITED	0.18%

10.4% of Equity and equity related securities

Automobiles
1.83%

Name	% of Net Assets
MAHINDRA & MAHINDRA LIMITED	1.1%
HERO MOTOCORP LIMITED	0.73%

7.9% of Equity and equity related securities

Finance
1.57%

Name	% of Net Assets
BAJAJ FINANCE LIMITED	0.82%
POWER FINANCE CORPORATION LIMITED	0.4%
SBI CARDS AND PAYMENT SERVICES LIMITED	0.35%

6.8% of Equity and equity related securities

Insurance
1.38%

Name	% of Net Assets
SBI LIFE INSURANCE COMPANY LIMITED	1.09%
ICICI LOMBARD GENERAL INSURANCE COMPANY LIMITED	0.29%

6% of Equity and equity related securities

Diversified Fmcg
1.11%

Name	% of Net Assets
ITC LIMITED	1.11%

4.8% of Equity and equity related securities

Power
1.01%

Name	% of Net Assets
NTPC LIMITED	1.01%

4.4% of Equity and equity related securities

Chemicals & Petrochemicals
0.87%

Name	% of Net Assets
JUBILANT INGREVIA LIMITED	0.87%

3.8% of Equity and equity related securities

Auto Components
0.84%

Name	% of Net Assets
SAMVARDHANA MOTHERSON INTERNATIONAL LIMITED	0.84%

3.6% of Equity and equity related securities

It - Software
0.81%

Name	% of Net Assets
HCL TECHNOLOGIES LIMITED	0.42%
INFOSYS LIMITED	0.39%

3.5% of Equity and equity related securities

Consumer Durables
0.7%

Name	% of Net Assets
INDIGO PAINTS LIMITED	0.36%
LA OPALA RG LIMITED	0.34%

3% of Equity and equity related securities

Gas
0.64%

Name	% of Net Assets
GAIL (INDIA) LIMITED	0.36%
PETRONET LNG LIMITED	0.28%

2.8% of Equity and equity related securities

Oil
0.58%

Name	% of Net Assets
OIL & NATURAL GAS CORPORATION LIMITED	0.58%

2.5% of Equity and equity related securities

Telecom - Services
0.56%

Name	% of Net Assets
INDUS TOWERS LIMITED	0.56%

2.4% of Equity and equity related securities

It - Services
0.45%

Name	% of Net Assets
CYIENT LIMITED	0.45%

1.9% of Equity and equity related securities

Diversified
0.34%

Name	% of Net Assets
GODREJ INDUSTRIES LIMITED	0.34%

1.5% of Equity and equity related securities

Commercial Services & Supplies
0.33%

Name	% of Net Assets
TEAMLEASE SERVICES LIMITED	0.33%

1.4% of Equity and equity related securities

Leisure Services
0.05%

Name	% of Net Assets
ITC HOTELS LIMITED	0.05%

0.2% of Equity and equity related securities

Debt holdings for DSP Regular Savings Fund

Government Securities (Central/State)40.53%

Name	Rating	% of Net Assets
7.32% GOI 2030	SOV	12.95%
7.10% GOI 2029	SOV	6.42%
7.06% GOI 2028	SOV	6.41%
7.37% GOI 2028	SOV	3.23%
7.10% GOI 2034	SOV	3.23%
7.02% GOI 2031	SOV	3.17%
5.74% GOI 2026	SOV	3.09%
5.63% GOI 2026	SOV	1.84%
7.83% GUJARAT SDL 2026	SOV	0.19%

52.8% of Debt instruments

Bonds & NCDs27.44%

Name	Rating	% of Net Assets
INDIAN OIL CORPORATION LIMITED	CRISIL AAA	6.54%
POWER GRID CORPORATION OF INDIA LIMITED	CRISIL AAA	6.28%
REC LIMITED	CRISIL AAA	6.16%
POWER FINANCE CORPORATION LIMITED	CRISIL AAA	4.79%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	CRISIL AAA	3.09%
NTPC LIMITED	CRISIL AAA	0.58%

35.8% of Debt instruments

TREPS5.36%

Name	Rating	% of Net Assets
TREPS / REVERSE REPO INVESTMENTS	--	5.36%

7% of Debt instruments

Money market instruments3.02%

Name	Rating	% of Net Assets
HDFC BANK LIMITED	CRISIL A1+	3.02%

3.9% of Debt instruments

Mutual-funds0.34%

Name	Rating	% of Net Assets
SBI FUNDS MANAGEMENT PVT LTD/FUND PARENT	Mutual Funds	0.34%

0.4% of Debt instruments

For lumpsum investments, if the investment period is less than 1 year then same return values are displayed for absolute & XIRR. For periods above 1 year, they are annualized. 1 Year is assumed as 365 days.
Returns for investments in income distribution cum capital withdrawal (IDCW) plans of schemes are calculated after assuming that the net income distribution cum capital withdrawal (IDCW) payouts post statutory taxes & levies, are re-invested back in the scheme.
Income distribution cum capital withdrawals (IDCW) declared from benchmark's constituents isn't taken into account when comparing with investment in fund's income distribution cum capital withdrawal (IDCW) plans.
Performance is always compared against the latest benchmark of the fund irrespective of the date of change of fund's benchmark, if any.
Except when SIP tenure is since inception, for all tenures, the start day for SIP investments is considered as 1st of every month. There is no end date to SIPs for the purpose of graphs.
For the purpose of NAV date applicability, if the investment date happens to be a non-business day, next business day's NAV is applied. Investment on inception date can happen on a non-business day.
Gold prices are available post 29 JAN, 2005 & are based on daily closing values on MCX.
Investment in gold has a strong global market demand and gold is highly liquid asset.
PPF interest rate is assumed at 8.7% p.a. & interest received is compounded daily for the returns illustration in the charts.
The comparison with PPF (and other traditional saving instruments/assets) has been given for the purpose of the general information only. Investments in mutual funds should not be construed as a promise, guarantee on or a forecast of any minimum returns. Unlike traditional saving instruments there is no capital protection guarantee or assurance of any return in mutual fund investment. Traditional savings instruments are comparatively low risk products and are generally backed by the Government. Investment in mutual funds carries high risk as compared to the traditional saving instruments and any investment decision needs to be taken only after consulting the Tax Consultant or Mutual Fund Distributor.
Past performance may or may not sustain in future and should not be used as a basis for comparison with other investments. There is no assurance of any returns/capital protection/capital guarantee to the investors in any scheme of DSP Mutual Fund.
Pursuant to payments of Income Distribution cum Capital Withdrawal, the NAV of the IDCW option(s) of Schemes would fall to the extent of payout, and statutory levy, if any.
The sector(s)/stock(s)/issuer(s) mentioned in this document do not constitute any recommendation of the same and the Fund may or may not have any future position in these sector(s)/stock(s)/issuer(s).
The investment approach / framework/ strategy / portfolio / other data mentioned herein are dated and currently followed by the scheme and the same may change in future depending on market conditions and other factors.
The SIP returns are calculated by XIRR approach assuming investment of Rs. 10,000/- on the 1st working day of every month. XIRR helps in calculating return on investments given an initial and final value and a series of cash infows and outflows with the correct allowance for the time impact of the transactions. Load is not taken into consideration for computation of performance.

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Performance

Historical Returns

Portfolio as of Feb 28, 2025

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DSP Equity Savings Fund presentation

Abhishek Singh

Shantanu Godambe

Asset Allocation for DSP Regular Savings Fund

Equity holdings for DSP Regular Savings Fund

Banks 7.71%

Pharmaceuticals & Biotechnology 2.4%

Automobiles 1.83%

Finance 1.57%

Insurance 1.38%

Diversified Fmcg 1.11%

Power 1.01%

Chemicals & Petrochemicals 0.87%

Auto Components 0.84%

It - Software 0.81%

Consumer Durables 0.7%

Gas 0.64%

Oil 0.58%

Telecom - Services 0.56%

It - Services 0.45%

Diversified 0.34%

Commercial Services & Supplies 0.33%

Leisure Services 0.05%

Debt holdings for DSP Regular Savings Fund

Government Securities (Central/State)40.53%

Bonds & NCDs27.44%

TREPS5.36%

Money market instruments3.02%

Mutual-funds0.34%

DSP Regular Savings Fund presentation

Banks
7.71%

Pharmaceuticals & Biotechnology
2.4%

Automobiles
1.83%

Finance
1.57%

Insurance
1.38%

Diversified Fmcg
1.11%

Power
1.01%

Chemicals & Petrochemicals
0.87%

Auto Components
0.84%

It - Software
0.81%

Consumer Durables
0.7%

Gas
0.64%

Oil
0.58%

Telecom - Services
0.56%

It - Services
0.45%

Diversified
0.34%

Commercial Services & Supplies
0.33%

Leisure Services
0.05%