DSP Regular Savings 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 : Conservative Hybrid Fund

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

: ₹ 67.3628 0.1%
(as on 12th November, 2025)

Crisil Rating

Very good performance among peers

Fund Size

: ₹ 179.57 Cr

(0.6% of Investment in Category)

Expense Ratio

: 0.5%

(0.92% Category average)

Risk-O-Meter

Moderate Risk

Conservative Hybrid Fund :Conservative Hybrid Fund : The fund has 18.5% investment in domestic equities of which 11.3% is in Large Cap stocks, 0.93% is in Mid Cap stocks, 0.84% in Small Cap stocks.The fund has 74.56% investment in Debt, of which 65.63% in Government securities, 8.93% is in Low Risk securities.

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This Scheme

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CRISIL Hybrid 85+15 - Conservative Index

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NA
0.76%

2.39%

4.13%

7.32%

10.65%

9.84%

9.35%

NA
Gold

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SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 12th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	04-Nov-25	10038.20	0.38%	-	0.25%	4/18
1 Month	10-Oct-25	10085.40	0.85%	-	0.76%	9/18
3 Month	12-Aug-25	10207.10	2.07%	-	2.39%	15/18
6 Month	09-May-25	10348.80	3.49%	-	4.13%	13/18
YTD	01-Jan-25	10698.60	6.99%	-	6.57%	7/18
1 Year	12-Nov-24	10799.60	8.00%	8.00%	7.32%	4/18
2 Year	10-Nov-23	12386.60	23.87%	11.25%	10.65%	7/18
3 Year	11-Nov-22	13583.90	35.84%	10.73%	9.96%	6/18
5 Year	12-Nov-20	15844.40	58.44%	9.64%	9.84%	8/17
10 Year	10-Nov-15	22378.80	123.79%	8.38%	8.80%	11/17
Since Inception	02-Jan-13	29379.10	193.79%	8.74%	9.35%	13/18

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 12th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	12-Nov-24	12000	12523.65	4.36 %	8.16 %
2 Year	10-Nov-23	24000	26330.13	9.71 %	9.16 %
3 Year	11-Nov-22	36000	42048.66	16.8 %	10.33 %
5 Year	12-Nov-20	60000	76559.81	27.6 %	9.67 %
10 Year	10-Nov-15	120000	189173.14	57.64 %	8.8 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Any profit will be clubbed with your income and taxed at your effective tax rate.

Portfolio (Updated on 31st Oct,2025)

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%

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	31.1	1.73%	0.00%	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%	0% (Nov 2025)	0% (Nov 2025)	2.60 L	2.60 L
# Kotak Mahindra Bank Ltd.	Private sector bank	21	1.17%	0.00%	1.82% (Mar 2025)	0.76% (Oct 2024)	10.00 k	0.00
# ICICI Bank Ltd.	Private sector bank	20.6	1.15%	0.00%	2.39% (Dec 2024)	1.16% (Sep 2025)	15.33 k	0.00
# ITC Limited	Diversified fmcg	19.9	1.11%	0.00%	1.24% (Jan 2025)	0.59% (Jul 2025)	47.38 k	0.00
# Infosys Ltd.	Computers - software & consulting	17.4	0.97%	0.00%	0.95% (Sep 2025)	0.18% (Apr 2025)	11.71 k	0.00
# Axis Bank Ltd.	Private sector bank	17	0.95%	0.00%	1.2% (Apr 2025)	0.45% (Jun 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%	0.00%	1.16% (Apr 2025)	0.56% (Jun 2025)	37.23 k	0.00
# SBI Life Insurance Co Ltd.	Life insurance	11.9	0.66%	0.00%	1.25% (Nov 2024)	0.69% (Jun 2025)	6.09 k	-0.80 k

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

Detailed Portfolio Analysis

No of Debt Holding 14 (Category Avg - 40.89) | Modified Duration 2.79 Years (Category Avg - 4.37)| Yield to Maturity 6.22% (Category Avg - 7.05%)

Type of Holdings

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%

Investment / Portfolio Grades

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%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	5.48%
Roadstar Infra Investment Trust	InvITs	0.83%
Net Receivables	Net Receivables	0.63%

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

2.91vs3.17

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

0.96vs1.06

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

1.34vs1

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

0.04vs0.03

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

0.81vs-0.28

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Nippon India Conservative Hybrid Fund - Direct Plan - Growth	4	917.53	1.13	3.10	5.77	10.30	9.91
ICICI Prudential Regular Savings Fund - Direct Plan - Growth	3	3375.92	0.84	2.58	5.81	9.32	11.08
Aditya Birla Sun Life Regular Savings Fund- Direct Plan - Growth	3	1546.74	0.89	2.74	5.55	9.02	10.20
Baroda BNP Paribas Conservative Hybrid Fund - Direct Plan - Growth	2	823.41	0.98	2.77	4.69	7.78	10.13
Parag Parikh Conservative Hybrid Fund - Direct Plan - Growth	5	3096.58	0.43	1.78	3.44	7.74	11.97
Axis Conservative Hybrid Fund - Direct Plan - Growth	2	272.78	1.10	2.56	3.62	7.72	8.70
Franklin India Conservative Hybrid Fund - Direct - Growth	2	205.20	0.45	2.09	3.27	7.63	10.20
SBI Conservative Hybrid Fund - Direct Plan - Growth	1	9953.07	1.20	2.81	5.58	7.29	10.76
Bandhan Conservative Hybrid Fund - Direct Plan - Growth	3	102.06	0.97	3.14	3.33	7.05	8.68
UTI Conservative Hybrid Fund - Direct Plan - Growth	3	1709.80	0.76	2.24	3.92	6.97	10.40

Detailed Comparison

More Funds from DSP Mutual Fund

Out of 63 mutual fund schemes offered by this AMC, 6 is/are ranked 5 * , 8 is/are ranked 4 * , 11 is/are ranked 3 * , and 38 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	19162.03	0.91	4.68	12.78	4.58	20.39
DSP Liquidity Fund - Direct Plan - Growth	3	19054.79	0.50	1.47	3.06	6.77	7.08
DSP ELSS Tax Saver Fund - Direct Plan - Growth	5	17241.31	1.81	5.12	7.48	5.30	20.35
DSP Large & Mid Cap Fund - Direct Plan - Growth	4	16530.07	1.84	5.52	8.00	5.44	21.00
DSP Small Cap Fund - Direct Plan - Growth	3	16496.31	1.65	2.86	16.01	1.06	21.54
DSP Flexi Cap Fund - Direct Plan - Growth	3	12197.68	0.96	5.23	8.57	3.52	18.23
DSP Aggressive Hybrid Fund - Direct Plan - Growth	4	11909.72	0.71	2.86	4.64	6.32	16.91
DSP Large Cap Fund - Direct Plan - Growth	5	6933.59	1.14	4.23	6.06	6.39	18.39
DSP Savings Fund - Direct Plan - Growth	4	6858.15	0.52	1.53	3.47	7.40	7.50
DSP Arbitrage fund - Direct Plan - Growth	3	6447.92	0.57	1.44	3.10	6.87	7.68