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DSP Regular Savings Fund - Regular Plan - Growth

  • Regular
  • Direct
Category : Conservative Hybrid Fund
Fund House : DSP Mutual Fund
  • NAV
    : ₹ 44.0367 0.13%
    (as on 14th October, 2021)
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Crisil Rank
Average performance among peers
Risk-O-Meter
Moderately High

Fund has 17.2% investment in indian stocks of which 8.3% is in large cap stocks, 4.92% is in mid cap stocks, 0.8% in small cap stocks.Fund has 70.34% investment in Debt of which 13.84% in Government securities, 56.5% in funds invested in very low risk securities..

Crisil Rank Change : Fund Crisil rank was updated from 2 to 3 in the previous quarter.

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Returns (NAV as on 14th October, 2021)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 07-Oct-21 10011.40 0.11% - 0.75% 24/24
1 Month 14-Sep-21 9985.70 -0.14% - 1.72% 24/24
3 Month 14-Jul-21 10255.40 2.55% - 4.80% 24/24
6 Month 12-Apr-21 10661.10 6.61% - 8.84% 21/23
YTD 01-Jan-21 10873.20 8.73% - 8.99% 15/22
1 Year 14-Oct-20 11380.00 13.80% 13.80% 14.44% 13/22
2 Year 14-Oct-19 12172.80 21.73% 10.32% 11.19% 14/21
3 Year 12-Oct-18 12754.60 27.55% 8.42% 9.76% 18/21
5 Year 14-Oct-16 13142.40 31.42% 5.61% 7.41% 19/21
10 Year 14-Oct-11 22594.70 125.95% 8.49% 9.09% 16/21
Since Inception 11-Jun-04 44036.70 340.37% 8.92% 8.74% 10/24

SIP Returns (NAV as on 14th October, 2021)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 14-Oct-20 12000 12771 6.42 % 12.12 %
2 Year 14-Oct-19 24000 27193.9 13.31 % 12.51 %
3 Year 12-Oct-18 36000 42232.42 17.31 % 10.64 %
5 Year 14-Oct-16 60000 72257.63 20.43 % 7.36 %
10 Year 14-Oct-11 120000 178140.75 48.45 % 7.66 %
 

Tax Treatment

If sold after 3 years from purchase date, long term capital gain tax will be applicable. Current tax rate is the lower of (a) 10% of profit or (b) 20% of profit adjusted after indexation benefits. Any cess/surcharge is not included.|If sold before 3 years from purchase date, short term capital gain tax will be applicable. Any profit will be clubbed with your income and taxed at your effective tax rate.

Portfolio (Updated on 30th Sep,2021)

Equity Holding : 17.20% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 17.20%
No of Stocks : 14 (Category Avg - 32.00) | Large Cap Investments : 8.3%| Mid Cap Investments : 4.92% | Small Cap Investments : 0.8% | Other : 3.18%

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
HCL Technologies Limited Computers - software 67.3 2.90% 0.15% 2.9% (Sep 2021) 0% (Oct 2020) 52.61 k 0.00
HDFC Bank Ltd. Banks 47.1 2.03% -0.03% 3.22% (Nov 2020) 1.98% (Sep 2021) 29.52 k 0.00
Tata Consultancy Services Ltd. Computers - software 33.6 1.45% -0.04% 1.54% (Jun 2021) 1.24% (Nov 2020) 8.91 k 0.00
ITC Limited Cigarettes 32.6 1.40% 0.11% 1.47% (Jun 2021) 0% (Oct 2020) 1.38 L 0.00
Max Financial Services Ltd. Nbfc 31.2 1.34% -0.14% 3.14% (Jun 2021) 1.34% (Sep 2021) 30.74 k 0.00
Ipca Laboratories Ltd. Pharmaceuticals 28.2 1.21% -0.12% 1.85% (Oct 2020) 1.13% (Jan 2021) 11.68 k 0.00
Aptus Value Housing Finance India Ltd. Housing finance 26.6 1.15% -0.22% 1.4% (Aug 2021) 0% (Oct 2020) 84.00 k 0.00
# Manappuram Finance Ltd. Nbfc 23.2 1.00% 1.00% 1% (Sep 2021) 0% (Oct 2020) 1.37 L 1.37 L
ICICI Lombard General Insurance Co Ltd. Insurance 23.1 0.99% -0.03% 1.19% (Feb 2021) 0.95% (Oct 2020) 14.52 k 0.00
Cipla Ltd. Pharmaceuticals 20.7 0.89% 0.01% 2.26% (Jun 2021) 0.87% (Sep 2021) 20.99 k 0.00
- indicates change in weight in the portfolio. # indicates a new entry.
No of Debt Holding 18 (Category Avg - 28.35) | Modified Duration 1.98 Years (Category Avg - 2.74)| Yield to Maturity 4.80% (Category Avg - 5.43%)

Type of Holdings

Security Type
% Weight
Category Average
GOI 13.84% 30.96%
CD 0.00% 0.48%
T-Bills 0.00% 2.63%
NCD & Bonds 56.50% 30.51%
CP 0.00% 1.07%
PTC 0.00% 0.56%

Investment / Portfolio Grades

Security Type
% Weight
Category Average
Government Backed 13.84% 33.59%
Low Risk 56.50% 26.68%
Moderate Risk 0.00% 0.00%
High Risk 0.00% 0.00%
Very High Risk 0.00% 0.00%
Others 0.00% 0.00%
Name Type of Instrument Weight (%)
TREPS TREPS 9.47%
Powergrid Infrastructure Investment Trust InvITs 3.63%
Net Receivables Net Receivables -0.64%

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th September, 2021)

  • Standard Deviation

    High volatility
    5.42vs4.3
    Category Avg
  • Beta

    High volatility
    1.01vs0.81
    Category Avg
  • Sharpe Ratio

    Poor risk adjusted returns
    0.85vs0.92
    Category Avg
  • Treynor's Ratio

    Better risk adjusted returns
    0.05vs0.05
    Category Avg
  • Jension's Alpha

    Poor risk adjusted returns
    -3.6vs-1.84
    Category Avg

Alternative Funds (Category Peers)

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
HDFC Hybrid Debt Fund - Growth 3 2661.13 2.39 4.99 11.52 23.27 11.76
UTI Regular Savings Fund - Growth 2 1654.73 4.38 8.84 13.16 22.93 9.78
Aditya Birla Sun Life Regular Savings Fund- Regular Plan - Growth 3 1291.91 0.93 4.83 9.03 22.82 10.59
Kotak Debt Hybrid - Growth 4 1050.02 2.46 6.67 11.70 21.75 14.20
SBI Debt Hybrid Fund - Regular Plan - Growth 3 4122.42 2.17 5.22 10.93 21.56 12.75
Sundaram Debt Oriented Hybrid Fund - Growth 1 34.00 7.37 9.51 13.60 19.39 8.57
Axis Regular Saver Fund - Growth 2 339.58 1.37 5.07 9.80 17.43 9.67
Canara Robeco Conservative Hybrid Fund - Regular Plan - Growth 5 896.35 0.90 4.06 9.06 15.98 12.82
Franklin India Debt Hybrid Fund  - Growth 4 209.96 1.16 3.51 6.97 14.91 9.17
ICICI Prudential Regular Savings Fund - Growth 3 3380.49 1.83 5.26 8.65 14.62 11.28

More Funds from DSP Mutual Fund

Out of 52 mutual fund schemes offered by this AMC, 4 is/are ranked 5 * , 5 is/are ranked 4 * , 8 is/are ranked 3 * , 6 is/are ranked 2 * , 2 is/are ranked 1 * , and 27 schemes are not ranked. See more about AMC

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
DSP Midcap Fund - Regular Plan - Growth 3 14160.84 3.89 10.59 27.77 58.01 25.80
DSP Tax Saver Fund - Regular Plan - Growth 4 9755.66 3.44 11.33 30.12 69.58 25.64
DSP Small Cap Fund - Regular Plan - Growth 3 8305.79 6.68 14.27 44.40 102.80 29.44
DSP Small Cap Fund - Regular Plan - Growth 3 8305.79 7.74 11.27 39.94 85.91 28.97
DSP Liquidity Fund - Regular Plan - Growth 4 7828.72 0.26 0.81 1.61 3.18 4.93
DSP Equity & Bond Fund - Regular Plan - Growth 4 7562.78 2.94 9.71 22.99 49.53 21.44
DSP Flexi Cap Fund - Regular Plan - Growth 4 7094.21 4.00 12.33 30.84 69.09 26.76
DSP Equity Opportunities Fund - Regular Plan - Growth 3 7002.35 2.80 9.61 29.04 67.64 23.44
DSP Low Duration Fund - Regular Plan - Growth 3 4903.82 0.17 0.88 1.94 3.74 6.71
DSP Dynamic Asset Allocation Fund - Regular Plan - Growth NA 4395.79 0.97 3.77 9.35 19.33 11.80

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