May 6, 2025
mayank
DSP Regular Savings Fund details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by sahifund.com
NAV Growth: Rs 65.3134
Quarterly NAV IDCW: Rs 14.3317
Monthly NAV IDCW: Rs 14.4514
Suitable For Which Investors?
“Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than returns from fixed income options.
They may also suit those looking for a regular income from their accumulation. The debt portion of these funds provides a moderate, but steady stream of income. The small equity allocation though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.
Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, invest your accumulated savings in these funds gradually over at least a few months, and then maintain a withdrawal rate in the range of 4-6 per cent of the value of your investment every year.”
Fund’s Investment Strategy:
The scheme seeks to generate attractive return, consistent with prudent risk, from a portfolio comprising substantially of quality debt securities. It also aims to generate capital appreciation by investing up to 10 per cent its corpus in equity of 100 largest corporates by market capitalization, listed in India.
Fund Manager:
1) Shantanu Godambe
Education: Mr. Godambehas done B.Com, MS (Finance) and CFA
Experience: Prior to joining DSP Mutual Fund, he has worked with Yes Bank, Prebon Yamane and ICAP India Private Limited
2) Abhishek Singh
Education: Mr. Singh is a B-Tech, IIT Kanpur PGDM, IIM Lucknow
Experience: Prior to joining DSP Mutual Fund he has worked with EdelCap Securities Limited, Systematic Trading Division. Kotak Securities Limited, Proprietary Trading and Structured Products Division. Kotak Mahindra Investments Limited, Structured Products Division.
Investment Details
| Min. Investment (Rs) | 100 |
| Min. Addl Investment (Rs) | 100 |
| Min. SIP Investment (Rs) | 100 |
| Min. Withdrawal (Rs) | 500 |
| Min. No of Cheques | 12 |
| Min. Balance (Rs) | 500 |
| Lock-in Period | NA |
| Exit Load | 0 |
Basic Details of DSP Regular Savings Fund
| Fund House | DSP Mutual Fund |
| Launch Date | 02-Jan-13 |
| Return Since Launch | 8.83% |
| Benchmark | CRISIL Hybrid 85+15 Conservative Index |
| Riskometer | Moderately High |
| Type | Open-ended |
| Assets | Rs 167 Cr |
| (As on 30-Apr-2025) | |
| Expense | 0.50% |
| (As on 31-Mar-2025) | |
| Risk Grade | Average |
| Return Grade | Average |
| Turnover | — |
Trailing Returns (%) of DSP Regular Savings Fund
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| DSP Regular Savings Dir | 3.83 | 0.16 | 1.81 | 3.59 | 4.15 | 11.61 | 10.93 | 11.62 | 8.15 | 8.35 |
| VR Conservative Hybrid TRI | 3.75 | 0.25 | 2.61 | 3.20 | 4.10 | 10.11 | 9.88 | 9.84 | 9.06 | 8.83 |
| Hybrid: Conservative Hybrid | 2.81 | 0.26 | 2.33 | 2.86 | 3.29 | 10.13 | 10.64 | 11.31 | 8.79 | 8.87 |
| Rank within category | 5 | 25 | 24 | 4 | 6 | 4 | 14 | 10 | 16 | 13 |
| Number of funds in category | 28 | 28 | 28 | 28 | 28 | 28 | 28 | 25 | 22 | 21 |
Peer Comparison of DSP Regular Savings Fund
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | Turnover (%) | |
| DSP Regular Savings Dir | 3 star | 11.61 | 10.93 | 11.62 | 0.50 | 167 | 8.83 | — | 12Y 4M | 668.00 |
| SBI Conservative Hybrid Dir | 4 star | 9.38 | 10.97 | 13.27 | 1.05 | 9,666 | 10.04 | 1.00 (365) | 12Y 4M | — |
| HDFC Hybrid Debt Dir | 4 star | 9.80 | 12.17 | 13.63 | 1.15 | 3,310 | 10.12 | 1.00 (365) | 12Y 4M | — |
| ICICI Pru Regular Savings Dir | 4 star | 10.77 | 11.20 | 12.06 | 0.97 | 3,127 | 10.78 | 1.00 (365) | 12Y 4M | 21.00 |
| Kotak Debt Hybrid Dir | 4 star | 11.09 | 12.68 | 14.13 | 0.45 | 3,017 | 11.13 | 1.00 (180) | 12Y 4M | 24.23 |
Portfolio Analysis of DSP Regular Savings Fund
| Number of Stocks | 30 |
| Number of Bonds | 15 |
| Average Maturity (yrs) * | — |
| Top 10 Holdings (*) | –% |
| Portfolio P/B Ratio | 3.06 |
| Portfolio P/E Ratio | 20.04 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 1,90,976 | 3,12,947 |
| Giant (%) | 59.22 | 71.07 |
| Large (%) | 21.25 | 13.73 |
| Mid (%) | 11.76 | 12.18 |
| Small (%) | 7.77 | 7.20 |
| Tiny (%) | — | — |
| Fund | Category | |
| Number of Securities | 46 | 68 |
| Macaulay Duration (yrs) | 2.21 | 4.77 |
| Average Maturity (yrs) | 2.63 | 8.26 |
| Yield to Maturity (%) | 6.87 | 7.16 |
| Avg Credit Rating | AAA | — |
Chanakya’s Mutual Fund Guidance For DSP Regular Savings Fund
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