DSP Dynamic Asset Allocation Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Dynamic Asset Allocation or Balanced Advantage

Fund House : DSP Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 32.691 -0.3%
(as on 21st November, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 3635.61 Cr

(1.14% of Investment in Category)

Expense Ratio

: 0.65%

(0.7% Category average)

Risk-O-Meter

Moderately High Risk

Dynamic Asset Allocation or Balanced Advantage :Dynamic Asset Allocation or Balanced Advantage : The fund has 67.44% investment in domestic equities of which 39.44% is in Large Cap stocks, 8.54% is in Mid Cap stocks, 3.62% in Small Cap stocks.The fund has 29.77% investment in Debt, of which 9.78% in Government securities, 19.99% is in Low Risk securities.

1M
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This Scheme

VS

CRISIL Hybrid 50+50 - Moderate Index

0.38%

2.61%

3.38%

9.31%

13.02%

12.1%

9.77%
NA
0.35%

2.44%

4.44%

8.24%

13.92%

13.11%

11.57%

NA
Gold

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SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 20th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	13-Nov-25	10051.50	0.52%	-	0.54%	20/35
1 Month	20-Oct-25	10147.90	1.48%	-	0.82%	5/35
3 Month	20-Aug-25	10342.20	3.42%	-	2.88%	11/35
6 Month	20-May-25	10538.40	5.38%	-	5.42%	19/35
YTD	01-Jan-25	10958.20	9.58%	-	6.96%	5/34
1 Year	19-Nov-24	11036.80	10.37%	10.34%	8.44%	9/34
2 Year	20-Nov-23	13248.20	32.48%	15.08%	14.27%	10/29
3 Year	18-Nov-22	14817.40	48.17%	13.96%	13.67%	12/26
5 Year	20-Nov-20	17120.80	71.21%	11.35%	13.23%	15/19
10 Year	20-Nov-15	27327.20	173.27%	10.57%	11.44%	7/11
Since Inception	06-Feb-14	32788.00	227.88%	10.59%	11.71%	25/35

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 20th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	19-Nov-24	12000	12788.6	6.57 %	12.33 %
2 Year	20-Nov-23	24000	27064.25	12.77 %	11.99 %
3 Year	18-Nov-22	36000	44168.82	22.69 %	13.71 %
5 Year	20-Nov-20	60000	81619.56	36.03 %	12.25 %
10 Year	20-Nov-15	120000	215945.88	79.95 %	11.3 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 12.5%, if your total long term capital gain exceeds 1.25 lakh. Any cess/surcharge is not included. If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 20%. Any cess/surcharge is not included in the 20%.

Portfolio (Updated on 31st Oct,2025)

Portfolio Turnover Ratio : 31.00% | Category average turnover ratio is 300.16%

Fund manager updated portfolio less frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for longer duration than peers)

Equity Holding : 67.44% | F&O Holdings : 0.07%| Foreign Equity Holdings : 0.00%| Total : 67.51%

No of Stocks : 55 (Category Avg - 75.26) | Large Cap Investments : 39.44%| Mid Cap Investments : 8.54% | Small Cap Investments : 3.62% | Other : 15.91%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
HDFC Bank Ltd.	Private sector bank	2447.8	6.73%	0.25%	7.23% (Nov 2024)	4.78% (Jan 2025)	24.79 L	73.70 k
Kotak Mahindra Bank Ltd.	Private sector bank	1159	3.19%	-0.32%	3.51% (Sep 2025)	0.61% (Nov 2024)	5.51 L	-0.71 L
Larsen & Toubro Ltd.	Civil construction	1140.1	3.14%	0.21%	3.14% (Oct 2025)	1.63% (Apr 2025)	2.83 L	0.00
Adani Enterprises Ltd.	Trading - minerals	1072.5	2.95%	-0.12%	3.47% (Dec 2024)	2.78% (Aug 2025)	4.32 L	0.00
State Bank Of India	Public sector bank	1024.9	2.82%	-0.78%	3.71% (Jan 2025)	2.74% (Apr 2025)	10.94 L	-3.65 L
Infosys Ltd.	Computers - software & consulting	756.9	2.08%	-0.01%	2.15% (Aug 2025)	0.82% (May 2025)	5.11 L	-0.44 k
Tata Power Co. Ltd.	Integrated power utilities	746.2	2.05%	0.06%	2.5% (Jun 2025)	1.94% (Aug 2025)	18.43 L	36.25 k
Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	683.2	1.88%	-0.02%	1.9% (Sep 2025)	1.09% (Mar 2025)	1.96 L	-0.23 k
Hindustan Aeronautics Ltd.	Aerospace & defense	680.2	1.87%	0.20%	1.87% (Oct 2025)	1.11% (Feb 2025)	1.45 L	21.00 k
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	669.7	1.84%	0.11%	1.84% (Oct 2025)	0.5% (Nov 2024)	3.26 L	0.00

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

No of Debt Holding 29 (Category Avg - 29.49) | Modified Duration 2.71 Years (Category Avg - 3.07)| Yield to Maturity 6.64% (Category Avg - 6.64%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	9.78%	8.49%
CD	0.00%	0.28%
T-Bills	0.00%	0.96%
CP	1.37%	0.41%
NCD & Bonds	17.79%	10.62%
PTC	0.83%	0.29%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	9.78%	9.46%
Low Risk	19.99%	10.68%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	2.64%
Margin	Margin	0.32%
Net Receivables	Net Receivables	-0.24%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st October, 2025)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

5.04vs7.7

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

0.71vs1.1

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Better risk adjusted returns

1.17vs0.85

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Better risk adjusted returns

0.08vs0.06

Category Avg
Jensen's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Better risk adjusted returns

1.8vs0.23

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
ICICI Prudential Balanced Advantage Fund - Direct Plan - Growth	NA	68449.94	0.63	3.13	6.45	12.80	14.34
WhiteOak Capital Balanced Advantage Fund - Direct Plan - Growth	NA	2015.14	0.59	2.71	5.25	11.70	0.00
Baroda BNP Paribas Balanced Advantage Fund - Direct - Growth	NA	4544.91	1.15	3.68	6.73	11.31	15.71
Aditya Birla Sun Life Balanced Advantage Fund - Direct Plan - Growth	NA	8616.87	0.50	2.32	4.33	11.20	14.24
Bajaj Finserv Balanced Advantage - Direct Plan - Growth	NA	1325.24	1.39	4.64	5.84	10.92	0.00
Mirae Asset Balanced Advantage Fund - Direct Plan - Growth	NA	1980.91	0.73	2.65	4.61	10.77	13.97
UTI Balanced Advantage Fund - Direct Plan - Growth	NA	3160.92	0.68	2.93	4.64	10.72	0.00
SBI Balanced Advantage Fund - Direct Plan - Growth	NA	38628.37	1.28	3.79	4.62	10.12	15.25
Nippon India Balanced Advantage Fund - Direct Plan - Growth	NA	9662.22	0.25	2.67	4.55	10.02	13.90
HDFC Balanced Advantage Fund - Direct Plan - Growth	4	106493.55	0.90	3.42	4.48	9.72	19.24

Detailed Comparison

More Funds from DSP Mutual Fund

Out of 64 mutual fund schemes offered by this AMC, 6 is/are ranked 5 * , 8 is/are ranked 4 * , 11 is/are ranked 3 * , and 39 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
DSP Midcap Fund - Direct Plan - Growth	3	19609.01	0.23	0.92	6.24	6.93	21.05
DSP Liquidity Fund - Direct Plan - Growth	3	19054.79	0.50	1.47	3.02	6.74	7.08
DSP ELSS Tax Saver Fund - Direct Plan - Growth	5	17241.31	1.59	3.79	4.55	9.61	20.94
DSP Small Cap Fund - Direct Plan - Growth	3	16867.93	0.90	-0.81	5.27	4.11	21.42
DSP Large & Mid Cap Fund - Direct Plan - Growth	4	16530.07	1.34	3.22	4.57	9.00	21.54
DSP Flexi Cap Fund - Direct Plan - Growth	3	12197.68	0.07	2.66	3.76	7.07	18.86
DSP Aggressive Hybrid Fund - Direct Plan - Growth	4	11909.72	-0.18	1.52	2.09	8.46	17.33
DSP Savings Fund - Direct Plan - Growth	4	7524.16	0.54	1.54	3.30	7.39	7.49
DSP Large Cap Fund - Direct Plan - Growth	5	6933.59	0.60	2.99	3.61	9.88	19.03
DSP Arbitrage fund - Direct Plan - Growth	3	6447.92	0.61	1.56	3.23	6.91	7.70