DSP Regular Savings Fund - Regular 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.

Equity Holding : 18.50% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 18.50%

No of Stocks : 31 (Category Avg - 35.72) | Large Cap Investments : 11.3%| Mid Cap Investments : 0.93% | Small Cap Investments : 0.84% | Other : 5.43%

Portfolio Summary (as on 31st Oct,2025)

Particulars	This Scheme	Category
No. of Stocks	31	35.72
Top 5 Stock Weight	6.84%	8.04%
Top 10 Stock Weight	10.86%	12.06%
Top 3 Sector Weight	9.25%	8.38%

Category - Conservative Hybrid Fund

Particulars	This Scheme	Category
Average mcap (Cr)	20768.31	27444.65
Holdings in large cap stocks	11.3%	11.22%
Holdings in mid cap stocks	0.93%	2.1%
Holdings in small cap stocks	0.84%	1.89%

Category - Conservative Hybrid Fund

Top 10 Stocks holding in Portfolio (as on 31st Oct,2025)

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	31.1	1.73%	0.05%	3.17% (Dec 2024)	1.68% (Sep 2025)	31.51 k	0.00
# Canara HSBC Life Insurance Co.Ltd.	Life insurance	30.2	1.68%	1.68%	1.68% (Oct 2025)	0% (Nov 2024)	2.60 L	2.60 L
Kotak Mahindra Bank Ltd.	Private sector bank	21	1.17%	0.05%	1.82% (Mar 2025)	0.86% (Jul 2025)	10.00 k	0.00
ICICI Bank Ltd.	Private sector bank	20.6	1.15%	-0.01%	2.39% (Dec 2024)	1.15% (Oct 2025)	15.33 k	0.00
ITC Limited	Diversified fmcg	19.9	1.11%	0.04%	1.24% (Jan 2025)	0.59% (Jul 2025)	47.38 k	0.00
Infosys Ltd.	Computers - software & consulting	17.4	0.97%	0.02%	0.97% (Oct 2025)	0.18% (Jun 2025)	11.71 k	0.00
Axis Bank Ltd.	Private sector bank	17	0.95%	0.07%	1.2% (Apr 2025)	0.45% (May 2025)	13.78 k	0.00
- Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	13.4	0.74%	0.00%	1.38% (Dec 2024)	0.65% (Jun 2025)	3.84 k	0.00
National Thermal Power Corporation Ltd.	Power generation	12.5	0.70%	-0.01%	1.16% (Apr 2025)	0.56% (Jul 2025)	37.23 k	0.00
SBI Life Insurance Co Ltd.	Life insurance	11.9	0.66%	-0.03%	1.18% (Nov 2024)	0.66% (Oct 2025)	6.09 k	-0.80 k

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

View complete holding

Complete equity Portfolio (as on 31st Oct,2025)

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Sector
M-Cap

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Stock Invested in	Sector	Sector Total	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty	M-Cap	GroupName
HDFC Bank Ltd.	Private sector bank	5	31.1	1.73%	0.05%	3.17% (Dec 2024)	1.68% (Sep 2025)	31.51 k	0.00	Other	5.43
# Canara HSBC Life Insurance Co.Ltd.	Life insurance	2.34	30.2	1.68%	1.68%	1.68% (Oct 2025)	0% (Nov 2024)	2.60 L	2.60 L	Other	5.43
Kotak Mahindra Bank Ltd.	Private sector bank	5	21	1.17%	0.05%	1.82% (Mar 2025)	0.86% (Jul 2025)	10.00 k	0.00	Large Cap	11.3
ICICI Bank Ltd.	Private sector bank	5	20.6	1.15%	-0.01%	2.39% (Dec 2024)	1.15% (Oct 2025)	15.33 k	0.00	Large Cap	11.3
ITC Limited	Diversified fmcg	1.11	19.9	1.11%	0.04%	1.24% (Jan 2025)	0.59% (Jul 2025)	47.38 k	0.00	Large Cap	11.3
Infosys Ltd.	Computers - software & consulting	1.32	17.4	0.97%	0.02%	0.97% (Oct 2025)	0.18% (Jun 2025)	11.71 k	0.00	Large Cap	11.3
Axis Bank Ltd.	Private sector bank	5	17	0.95%	0.07%	1.2% (Apr 2025)	0.45% (May 2025)	13.78 k	0.00	Large Cap	11.3
- Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	0.74	13.4	0.74%	0.00%	1.38% (Dec 2024)	0.65% (Jun 2025)	3.84 k	0.00	Large Cap	11.3
National Thermal Power Corporation Ltd.	Power generation	0.7	12.5	0.70%	-0.01%	1.16% (Apr 2025)	0.56% (Jul 2025)	37.23 k	0.00	Large Cap	11.3
SBI Life Insurance Co Ltd.	Life insurance	2.34	11.9	0.66%	-0.03%	1.18% (Nov 2024)	0.66% (Oct 2025)	6.09 k	-0.80 k	Large Cap	11.3
Cipla Ltd.	Pharmaceuticals	1.91	10.3	0.57%	-0.10%	1.27% (Apr 2025)	0.57% (Oct 2025)	6.84 k	-1.07 k	Large Cap	11.3
Motherson Sumi Systems Ltd.	Auto components & equipments	0.56	10.1	0.56%	-0.01%	1.05% (Jan 2025)	0.5% (Aug 2025)	96.12 k	0.00	Large Cap	11.3
State Bank Of India	Public sector bank	0.51	9.2	0.51%	0.03%	0.51% (Oct 2025)	0% (Nov 2024)	9.84 k	0.00	Large Cap	11.3
- Petronet LNG Ltd.	Lpg/cng/png/lng supplier	0.5	9	0.50%	0.00%	0.5% (Oct 2025)	0.05% (Nov 2024)	32.04 k	351.00	Large Cap	11.3
Ipca Laboratories Ltd.	Pharmaceuticals	1.91	8.1	0.45%	-0.03%	0.53% (Jul 2025)	0.18% (Dec 2024)	6.36 k	0.00	Other	5.43
Syngene International Ltd.	Healthcare research, analytics & technology	0.45	8.1	0.45%	0.02%	0.47% (Sep 2025)	0% (Nov 2024)	12.41 k	0.00	Mid Cap	0.93
GAIL (India) Ltd.	Gas transmission/marketing	0.37	6.6	0.37%	0.01%	0.42% (Mar 2025)	0.25% (Aug 2025)	36.07 k	0.00	Large Cap	11.3
Indus Towers Ltd.	Telecom - infrastructure	0.35	6.4	0.35%	0.01%	0.65% (Apr 2025)	0.15% (Jul 2025)	17.47 k	0.00	Large Cap	11.3
HCL Technologies Limited	Computers - software & consulting	1.32	6.3	0.35%	0.11%	0.49% (Jan 2025)	0.24% (Sep 2025)	4.06 k	999.00	Large Cap	11.3
Suven Pharmaceuticals Ltd.	Pharmaceuticals	1.91	6	0.34%	-0.06%	0.48% (Feb 2025)	0.25% (Aug 2025)	8.01 k	0.00	Other	5.43
Jubilant Ingrevia Ltd.	Specialty chemicals	0.33	6	0.33%	0.06%	1.06% (Dec 2024)	0.27% (Sep 2025)	8.71 k	1.25 k	Other	5.43
Oil & Natural Gas Corporation Ltd.	Oil exploration & production	0.33	6	0.33%	0.02%	0.67% (Jan 2025)	0.3% (Sep 2025)	23.28 k	0.00	Large Cap	11.3
Indigo Paints Ltd.	Paints	0.32	5.8	0.32%	0.03%	0.43% (Jan 2025)	0.24% (May 2025)	5.82 k	990.00	Other	5.43
ICICI Lombard General Insurance Co Ltd.	General insurance	0.31	5.6	0.31%	0.01%	0.33% (Jun 2025)	0.16% (Dec 2024)	2.83 k	0.00	Large Cap	11.3
- Cyient Ltd.	It enabled services	0.3	5.4	0.30%	0.00%	0.45% (Feb 2025)	0.24% (Jan 2025)	4.68 k	0.00	Small Cap	0.84
Emcure Pharmaceuticals Ltd.	Pharmaceuticals	1.91	5.4	0.30%	0.02%	0.31% (Oct 2025)	0% (Nov 2024)	4.05 k	101.00	Other	5.43
La-Opala RG Ltd.	Glass - consumer	0.28	5	0.28%	-0.01%	0.52% (Dec 2024)	0.27% (Oct 2025)	21.57 k	0.00	Small Cap	0.84
Bajaj Finance Ltd.	Non banking financial company (nbfc)	0.28	5	0.28%	0.01%	1.36% (Dec 2024)	0.23% (Aug 2025)	4.76 k	0.00	Other	5.43
Teamlease Services Ltd.	Diversified commercial services	0.26	4.6	0.26%	-0.02%	0.45% (Dec 2024)	0.26% (Aug 2025)	2.75 k	0.00	Small Cap	0.84
- Alembic Pharmaceuticals Ltd.	Pharmaceuticals	1.91	4.4	0.25%	0.00%	0.69% (Jan 2025)	0.25% (Oct 2025)	4.92 k	0.00	Mid Cap	0.93
Power Finance Corporation Ltd.	Financial institution	0.23	4.1	0.23%	-0.01%	0.47% (Jan 2025)	0.22% (Aug 2025)	10.21 k	0.00	Mid Cap	0.93

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

New Stocks added in Portfolio (in 1 month period ending 31st Oct,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
# Canara HSBC Life Insurance Co.Ltd.	Life insurance	30.2	1.68%	1.68%	1.68% (Oct 2025)	0% (Nov 2024)	2.60 L	259612

Stocks removed from Portfolio (in 1 month period ending 31st Oct,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
No complete exits in the portfolio in the last month.

Trend in stock holdings (Top 15 Holding)

Stock	Oct 2025	Sep 2025	Aug 2025	Jul 2025	Jun 2025	May 2025	Apr 2025	Mar 2025	Feb 2025	Jan 2025	Dec 2024	Nov 2024	Oct 2024
HDFC Bank Ltd.	1.73%	1.68%	1.69%	1.78%	1.81%	1.77%	1.82%	3.12%	2.98%	2.88%	3.04%	3.05%	2.87%
Canara HSBC Life Insurance Co.Ltd.	1.68%	-	-	-	-	-	-	-	-	-	-	-	-
ICICI Bank Ltd.	1.15%	1.16%	1.21%	1.27%	1.27%	1.28%	1.31%	2.23%	2.01%	2.06%	2.20%	2.32%	2.14%
Kotak Mahindra Bank Ltd.	1.17%	1.12%	1.10%	0.86%	0.96%	0.93%	1.02%	1.82%	1.61%	1.59%	1.12%	1.10%	0.76%
ITC Limited	1.11%	1.07%	0.59%	0.59%	0.61%	0.62%	0.65%	1.14%	1.11%	1.24%	1.23%	1.20%	1.20%
Mahindra & Mahindra Ltd.	0.74%	0.74%	0.69%	0.69%	0.70%	0.66%	0.67%	1.12%	1.10%	1.26%	1.36%	1.33%	1.19%
SBI Life Insurance Co Ltd.	0.66%	0.69%	0.70%	0.71%	0.73%	0.72%	0.73%	1.17%	1.09%	1.12%	1.15%	1.18%	0.99%
Cipla Ltd.	0.57%	0.67%	0.71%	0.69%	0.68%	0.67%	0.74%	1.24%	1.22%	1.27%	1.20%	0.77%	0.55%
Axis Bank Ltd.	0.95%	0.88%	0.81%	0.57%	0.45%	0.45%	0.71%	1.20%	1.11%	1.06%	0.85%	0.90%	0.89%
National Thermal Power Corporation Ltd.	0.70%	0.71%	0.69%	0.56%	0.57%	0.58%	0.64%	1.15%	1.01%	1.04%	0.98%	0.63%	0.69%
Sharda Cropchem Ltd.	-	-	-	-	-	-	-	-	-	-	-	-	0.68%
Motherson Sumi Systems Ltd.	0.56%	0.57%	0.50%	0.52%	0.57%	0.57%	0.51%	0.92%	0.84%	0.99%	0.76%	0.63%	0.68%
Bajaj Finance Ltd.	0.28%	0.27%	0.24%	0.24%	0.26%	0.25%	0.25%	0.66%	0.82%	1.09%	1.30%	1.25%	1.27%
Hero Motocorp Ltd.	-	-	-	0.61%	0.62%	0.64%	0.59%	0.73%	0.73%	0.85%	0.75%	0.36%	0.37%
Jubilant Ingrevia Ltd.	0.33%	0.27%	0.31%	0.33%	0.33%	0.30%	0.29%	0.55%	0.87%	0.97%	1.06%	1.00%	0.89%

No of Debt Holding 14 (Category Avg - 40.89) | Modified Duration 2.79 Years (Category Avg - 4.39)| Yield to Maturity 6.20% (Category Avg - 7.00%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	65.63%	35.08%
CD	0.00%	0.52%
T-Bills	0.00%	0.12%
NCD & Bonds	8.93%	33.30%
PTC	0.00%	0.97%

Category - Conservative Hybrid Fund

Security Type	% Weight	Category Average
Government Backed	65.63%	35.21%
Low Risk	8.93%	33.08%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Conservative Hybrid Fund

Debt holding in Portfolio (as on 31st Oct,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			254.18	14.15%	25.00 L
Bond - Govt of India	GOI	Other			216.26	12.04%	20.00 L
Bond - Govt of India	GOI	Other			208.56	11.61%	20.00 L
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	107.40	5.98%	100.00
Bond - Govt of India	GOI	Other			103.61	5.77%	10.00 L
Bond - Govt of India	GOI	Other			103.28	5.75%	10.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	52.89	2.95%	50.00
Bond - Govt of India	GOI	Other			52.82	2.94%	5.00 L
Bond - Govt of India	GOI	Other			52.12	2.90%	5.00 L
Bond - Govt of India	GOI	Other			52.07	2.90%	5.00 L
Bond - Govt of India	GOI	Other			51.84	2.89%	5.00 L
Bond - Govt of India	GOI	Other			51.36	2.86%	5.00 L
Bond - Govt of India	GOI	Other			29.59	1.65%	2.95 L
Bond - Govt of India	GOI	Other			3.11	0.17%	30.00 k