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 : 19.47% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 19.47%

No of Stocks : 31 (Category Avg - 36.00) | Large Cap Investments : 12.03%| Mid Cap Investments : 0.92% | Small Cap Investments : 0.8% | Other : 5.72%

Portfolio Summary (as on 30th Nov,2025)

Particulars	This Scheme	Category
No. of Stocks	31	36
Top 5 Stock Weight	7.47%	8.08%
Top 10 Stock Weight	11.65%	12.15%
Top 3 Sector Weight	9.87%	8.48%

Category - Conservative Hybrid Fund

Particulars	This Scheme	Category
Average mcap (Cr)	22423.72	28258.84
Holdings in large cap stocks	12.03%	11.37%
Holdings in mid cap stocks	0.92%	2.11%
Holdings in small cap stocks	0.8%	1.84%

Category - Conservative Hybrid Fund

Top 10 Stocks holding in Portfolio (as on 30th Nov,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	31.9	1.77%	0.09%	1.77% (Nov 2025)	0% (Dec 2024)	2.60 L	0.00
HDFC Bank Ltd.	Private sector bank	31.8	1.76%	0.03%	3.16% (Apr 2025)	1.68% (Sep 2025)	31.51 k	0.00
ICICI Bank Ltd.	Private sector bank	30.7	1.70%	0.55%	2.23% (Mar 2025)	1.15% (Oct 2025)	22.08 k	6.75 k
Kotak Mahindra Bank Ltd.	Private sector bank	21.2	1.18%	0.01%	1.82% (Mar 2025)	0.86% (Jul 2025)	10.00 k	0.00
ITC Limited	Diversified fmcg	19.2	1.06%	-0.05%	1.24% (Jan 2025)	0.59% (Jul 2025)	47.38 k	0.00
Infosys Ltd.	Computers - software & consulting	18.3	1.01%	0.04%	1.01% (Nov 2025)	0.18% (Apr 2025)	11.71 k	0.00
Axis Bank Ltd.	Private sector bank	17.6	0.98%	0.03%	1.2% (Mar 2025)	0.45% (May 2025)	13.78 k	0.00
Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	14.4	0.80%	0.06%	1.36% (Dec 2024)	0.65% (Jun 2025)	3.84 k	0.00
National Thermal Power Corporation Ltd.	Power generation	13.8	0.77%	0.07%	1.16% (Apr 2025)	0.56% (Jul 2025)	42.41 k	5.18 k
Motherson Sumi Systems Ltd.	Auto components & equipments	11.2	0.62%	0.06%	1.05% (Jan 2025)	0.5% (Aug 2025)	96.12 k	0.00

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

View complete holding

Complete equity Portfolio (as on 30th Nov,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
Canara HSBC Life Insurance Co.Ltd.	Life insurance	2.31	31.9	1.77%	0.09%	1.77% (Nov 2025)	0% (Dec 2024)	2.60 L	0.00	Other	5.72
HDFC Bank Ltd.	Private sector bank	5.62	31.8	1.76%	0.03%	3.16% (Apr 2025)	1.68% (Sep 2025)	31.51 k	0.00	Other	5.72
ICICI Bank Ltd.	Private sector bank	5.62	30.7	1.70%	0.55%	2.23% (Mar 2025)	1.15% (Oct 2025)	22.08 k	6.75 k	Large Cap	12.03
Kotak Mahindra Bank Ltd.	Private sector bank	5.62	21.2	1.18%	0.01%	1.82% (Mar 2025)	0.86% (Jul 2025)	10.00 k	0.00	Large Cap	12.03
ITC Limited	Diversified fmcg	1.06	19.2	1.06%	-0.05%	1.24% (Jan 2025)	0.59% (Jul 2025)	47.38 k	0.00	Large Cap	12.03
Infosys Ltd.	Computers - software & consulting	1.38	18.3	1.01%	0.04%	1.01% (Nov 2025)	0.18% (Apr 2025)	11.71 k	0.00	Large Cap	12.03
Axis Bank Ltd.	Private sector bank	5.62	17.6	0.98%	0.03%	1.2% (Mar 2025)	0.45% (May 2025)	13.78 k	0.00	Large Cap	12.03
Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	0.8	14.4	0.80%	0.06%	1.36% (Dec 2024)	0.65% (Jun 2025)	3.84 k	0.00	Large Cap	12.03
National Thermal Power Corporation Ltd.	Power generation	0.77	13.8	0.77%	0.07%	1.16% (Apr 2025)	0.56% (Jul 2025)	42.41 k	5.18 k	Large Cap	12.03
Motherson Sumi Systems Ltd.	Auto components & equipments	0.62	11.2	0.62%	0.06%	1.05% (Jan 2025)	0.5% (Aug 2025)	96.12 k	0.00	Large Cap	12.03
Cipla Ltd.	Pharmaceuticals	1.94	10.5	0.58%	0.01%	1.27% (Apr 2025)	0.57% (Oct 2025)	6.84 k	0.00	Large Cap	12.03
SBI Life Insurance Co Ltd.	Life insurance	2.31	9.7	0.54%	-0.12%	1.17% (Mar 2025)	0.54% (Nov 2025)	4.92 k	-1.17 k	Large Cap	12.03
State Bank Of India	Public sector bank	0.53	9.6	0.53%	0.02%	0.53% (Nov 2025)	0% (Dec 2024)	9.84 k	0.00	Large Cap	12.03
Petronet LNG Ltd.	Lpg/cng/png/lng supplier	0.53	9.6	0.53%	0.03%	0.53% (Nov 2025)	0.11% (Dec 2024)	35.40 k	3.36 k	Large Cap	12.03
Ipca Laboratories Ltd.	Pharmaceuticals	1.94	9.2	0.51%	0.06%	0.53% (Jul 2025)	0.18% (Feb 2025)	6.36 k	0.00	Other	5.72
Indigo Paints Ltd.	Paints	0.47	8.4	0.47%	0.15%	0.47% (Nov 2025)	0.24% (May 2025)	6.57 k	753.00	Other	5.72
Syngene International Ltd.	Healthcare research, analytics & technology	0.46	8.3	0.46%	0.01%	0.47% (Sep 2025)	0% (Dec 2024)	12.83 k	415.00	Mid Cap	0.92
Indus Towers Ltd.	Telecom - infrastructure	0.39	7	0.39%	0.04%	0.65% (Apr 2025)	0.15% (Jul 2025)	17.47 k	0.00	Large Cap	12.03
HCL Technologies Limited	Computers - software & consulting	1.38	6.6	0.37%	0.02%	0.49% (Jan 2025)	0.24% (Sep 2025)	4.06 k	0.00	Large Cap	12.03
GAIL (India) Ltd.	Gas transmission/marketing	0.35	6.4	0.35%	-0.02%	0.42% (Mar 2025)	0.25% (Aug 2025)	36.07 k	0.00	Large Cap	12.03
Jubilant Ingrevia Ltd.	Specialty chemicals	0.34	6.2	0.34%	0.01%	1.06% (Dec 2024)	0.27% (Sep 2025)	8.71 k	0.00	Other	5.72
Oil & Natural Gas Corporation Ltd.	Oil exploration & production	0.31	5.7	0.31%	-0.02%	0.67% (Jan 2025)	0.3% (Sep 2025)	23.28 k	0.00	Large Cap	12.03
- ICICI Lombard General Insurance Co Ltd.	General insurance	0.31	5.6	0.31%	0.00%	0.33% (Jun 2025)	0.16% (Dec 2024)	2.83 k	0.00	Large Cap	12.03
Emcure Pharmaceuticals Ltd.	Pharmaceuticals	1.94	5.6	0.31%	0.01%	0.31% (Nov 2025)	0% (Dec 2024)	3.94 k	-0.12 k	Other	5.72
Suven Pharmaceuticals Ltd.	Pharmaceuticals	1.94	5.3	0.29%	-0.05%	0.48% (Feb 2025)	0.25% (Aug 2025)	9.34 k	1.33 k	Other	5.72
Cyient Ltd.	It enabled services	0.29	5.3	0.29%	-0.01%	0.45% (Feb 2025)	0.24% (Jan 2025)	4.69 k	6.00	Small Cap	0.8
Bajaj Finance Ltd.	Non banking financial company (nbfc)	0.27	4.9	0.27%	-0.01%	1.3% (Dec 2024)	0.23% (Aug 2025)	4.76 k	0.00	Other	5.72
La-Opala RG Ltd.	Glass - consumer	0.26	4.7	0.26%	-0.02%	0.5% (Jan 2025)	0.26% (Nov 2025)	21.57 k	0.00	Small Cap	0.8
Teamlease Services Ltd.	Diversified commercial services	0.25	4.5	0.25%	-0.01%	0.45% (Dec 2024)	0.25% (Nov 2025)	2.75 k	0.00	Small Cap	0.8
- Alembic Pharmaceuticals Ltd.	Pharmaceuticals	1.94	4.5	0.25%	0.00%	0.69% (Jan 2025)	0.25% (Nov 2025)	4.92 k	0.00	Mid Cap	0.92
Power Finance Corporation Ltd.	Financial institution	0.21	3.7	0.21%	-0.02%	0.47% (Jan 2025)	0.21% (Nov 2025)	10.21 k	0.00	Mid Cap	0.92

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

New Stocks added in Portfolio (in 1 month period ending 30th Nov,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
# Bond - Muthoot Finance Pvt. Ltd.	Non banking financial company (nbfc)	75.1	4.16%	4.16%	0% (Dec 2025)	0% (Dec 2025)	750.00	750

Stocks removed from Portfolio (in 1 month period ending 30th Nov,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	Nov 2025	Oct 2025	Sep 2025	Aug 2025	Jul 2025	Jun 2025	May 2025	Apr 2025	Mar 2025	Feb 2025	Jan 2025	Dec 2024	Nov 2024
HDFC Bank Ltd.	1.76%	1.73%	1.68%	1.69%	1.78%	1.81%	1.77%	1.82%	3.12%	2.98%	2.88%	3.04%	3.05%
Canara HSBC Life Insurance Co.Ltd.	1.77%	1.68%	-	-	-	-	-	-	-	-	-	-	-
ICICI Bank Ltd.	1.70%	1.15%	1.16%	1.21%	1.27%	1.27%	1.28%	1.31%	2.23%	2.01%	2.06%	2.20%	2.32%
Kotak Mahindra Bank Ltd.	1.18%	1.17%	1.12%	1.10%	0.86%	0.96%	0.93%	1.02%	1.82%	1.61%	1.59%	1.12%	1.10%
ITC Limited	1.06%	1.11%	1.07%	0.59%	0.59%	0.61%	0.62%	0.65%	1.14%	1.11%	1.24%	1.23%	1.20%
Mahindra & Mahindra Ltd.	0.80%	0.74%	0.74%	0.69%	0.69%	0.70%	0.66%	0.67%	1.12%	1.10%	1.26%	1.36%	1.33%
SBI Life Insurance Co Ltd.	0.54%	0.66%	0.69%	0.70%	0.71%	0.73%	0.72%	0.73%	1.17%	1.09%	1.12%	1.15%	1.18%
Cipla Ltd.	0.58%	0.57%	0.67%	0.71%	0.69%	0.68%	0.67%	0.74%	1.24%	1.22%	1.27%	1.20%	0.77%
Axis Bank Ltd.	0.98%	0.95%	0.88%	0.81%	0.57%	0.45%	0.45%	0.71%	1.20%	1.11%	1.06%	0.85%	0.90%
National Thermal Power Corporation Ltd.	0.77%	0.70%	0.71%	0.69%	0.56%	0.57%	0.58%	0.64%	1.15%	1.01%	1.04%	0.98%	0.63%
Motherson Sumi Systems Ltd.	0.62%	0.56%	0.57%	0.50%	0.52%	0.57%	0.57%	0.51%	0.92%	0.84%	0.99%	0.76%	0.63%
Hero Motocorp Ltd.	-	-	-	-	0.61%	0.62%	0.64%	0.59%	0.73%	0.73%	0.85%	0.75%	0.36%
Bajaj Finance Ltd.	0.27%	0.28%	0.27%	0.24%	0.24%	0.26%	0.25%	0.25%	0.66%	0.82%	1.09%	1.30%	1.25%
Jubilant Ingrevia Ltd.	0.34%	0.33%	0.27%	0.31%	0.33%	0.33%	0.30%	0.29%	0.55%	0.87%	0.97%	1.06%	1.00%
Infosys Ltd.	1.01%	0.97%	0.95%	0.77%	0.37%	0.18%	0.18%	0.18%	0.36%	0.39%	0.43%	0.39%	0.38%

No of Debt Holding 15 (Category Avg - 39.94) | Modified Duration 2.78 Years (Category Avg - 4.19)| Yield to Maturity 6.30% (Category Avg - 6.95%)

Portfolio Summary (as on 30th Nov,2025)

Security Type	% Weight	Category Average
GOI	61.89%	34.93%
CD	0.00%	0.65%
T-Bills	0.00%	0.12%
CP	0.00%	0.09%
NCD & Bonds	13.10%	32.15%
PTC	0.00%	1.18%

Category - Conservative Hybrid Fund

Security Type	% Weight	Category Average
Government Backed	61.89%	35.05%
Low Risk	13.10%	32.28%
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 30th Nov,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			247.41	13.73%	25.00 L
Bond - Govt of India	GOI	Other			209.53	11.62%	20.00 L
Bond - Govt of India	GOI	Other			209.32	11.61%	20.00 L
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	107.92	5.99%	100.00
Bond - Govt of India	GOI	Other			103.77	5.76%	10.00 L
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	75.06	4.16%	750.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	53.16	2.95%	50.00
Bond - Govt of India	GOI	Other			53.03	2.94%	5.00 L
Bond - Govt of India	GOI	Other			52.51	2.91%	5.00 L
Bond - Govt of India	GOI	Other			52.43	2.91%	5.00 L
Bond - Govt of India	GOI	Other			52.22	2.90%	5.00 L
Bond - Govt of India	GOI	Other			52.20	2.90%	5.00 L
Bond - Govt of India	GOI	Other			50.22	2.79%	5.00 L
Bond - Govt of India	GOI	Other			29.73	1.65%	2.95 L
Bond - Govt of India	GOI	Other			3.13	0.17%	30.00 k