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3 star

DSP Equity & Bond Fund - Direct Plan download report


1 Lakh

Investment Grown to
₹ 1.60 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.47 Lakh

Suitability:

When you invest for five years or more, you can expect gains that comfortably beat the inflation rate as well as returns from fixed income options. But be prepared for ups and downs in your investment value along the way.

Aggressive hybrid funds invest 65-80 per cent of your money in equity shares and the rest in bonds. Their returns are slightly lower than those of pure equity funds which invest all your money in shares, but they also fall relatively less when the stock markets decline. This makes them suitable for conservative equity investors or first-time equity investors who are not used to sharp ups and downs.

Like for all equity-linked investments, you must invest only through the SIP route. Click here to read a primer on SIP investing.

Warning: Do not invest in this, or any other aggressive hybrid fund, if you need to redeem your investment in less than five years.

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 1 year from the date of investment, gains upto Rs 1 lakh in a financial year are exempt from tax. Gains over Rs 1 lakh are taxed at the rate of 10%.
  • If the mutual fund units are sold within 1 year from the date of investment, entire amount of gain is taxed at the rate of 15%.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
DSP Equity & Bond Direct-G -3.58 -0.03 0.83 8.96 4.73 -2.68 0.59 17.02 11.29 11.46 --
VR Balanced TRI 1.11 -0.02 2.43 8.76 4.50 0.35 7.59 15.72 11.78 11.21 --
Hybrid: Aggressive Hybrid -0.61 0.12 1.24 7.71 3.99 -0.92 5.36 16.74 10.78 10.96 --
Rank within category 40 42 41 2 11 40 44 14 12 11 --
Number of funds in category 46 46 46 46 46 46 46 42 30 24 0

As on 05-Aug-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
DSP Equity & Bond Fund - Direct Plan
3 star
Jan-13 0.59 17.02 11.29 0.81 6,837
SBI Equity Hybrid Fund - Direct Plan  | Invest Online
4 star
Jan-13 6.84 16.28 12.30 0.85 48,908
ICICI Prudential Equity & Debt Fund - Direct Plan  | Invest Now
5 star
Jan-13 16.41 21.78 14.21 1.25 18,587
Canara Robeco Equity Hybrid Fund - Direct Plan  | Invest Online
4 star
Jan-13 4.66 18.21 12.71 0.61 8,033
Mirae Asset Hybrid Equity Fund - Direct Plan  | Invest Online
4 star
Jul-15 4.77 17.01 12.49 0.42 6,396

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 7.69 19-Sep-2019 - 26-Sep-2019 -15.50 16-Mar-2020 - 23-Mar-2020
Month 15.50 07-May-2014 - 06-Jun-2014 -28.78 20-Feb-2020 - 23-Mar-2020
Quarter 23.96 23-Mar-2020 - 22-Jun-2020 -24.45 23-Dec-2019 - 23-Mar-2020
Year 65.40 23-Mar-2020 - 23-Mar-2021 -16.22 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
DSP Equity & Bond Direct-G 16.64 17.64 0.75 0.80 0.91 2.00
VR Balanced TRI 15.74 18.34 0.67 0.80 -- --
Hybrid: Aggressive Hybrid 16.09 17.07 0.74 0.81 0.89 1.75
Rank within category 14 30 16 18 32 13
Number of funds in category 43 43 43 43 43 43

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-Jul-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 56
Top 10 Holdings (%) 34.62
Top 5 Holdings (%) 22.75
Top 3 Sectors (%) 38.72
Portfolio P/B Ratio 4.21
Portfolio P/E Ratio 28.15
Avg Credit Rating AAA

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 7.59% GOI 2026 GOI Securities SOV 1.93 - 4.22 4.22
equal 5.15% GOI 2025 GOI Securities SOV 0.00 - 2.43 2.43
equal 7.16% GOI 20/05/2023 Central Government Loan SOV 0.00 - 2.23 2.23
equal 8.25% Indian Railway Finance Corporation 28/02/2024 Debenture AAA 0.99 - 1.97 1.97
down 5.63% GOI 2026 GOI Securities SOV 0.00 - 8.75 1.69
equal HDFC Bank 13/12/2022 Certificate of Deposit A1+ 0.00 - 1.42 1.42
down 5.22% GOI 15/06/2025 GOI Securities SOV 0.00 - 2.42 1.05
equal 5.40% SIDBI 17/03/2025 Debenture AAA 0.00 - 0.73 0.73
equal 5.78% NTPC 29/04/2024 Non Convertible Debenture AAA 0.00 - 0.72 0.72
equal SIDBI 23/03/2023 Commercial Paper A1+ 0.00 - 0.70 0.70
equal 5.70% National Bank Agr. Rur. Devp 22-D 31/07/2025 Debenture AAA 0.00 - 0.69 0.65
equal 9.65% Green Infra Wind Energy 2023 Debenture AA 0.58 - 0.63 0.61
equal 6.55% NTPC 17/04/2023 Debenture AAA 0.07 - 0.44 0.44
equal 7.17% GOI 2028 GOI Securities SOV 0.00 - 1.35 0.38
equal 5.35% National Housing Bank 2024 Debenture AAA 0.00 - 0.36 0.36
equal 5.23% National Bank Agr. Rur. Devp 31/01/2025 Non Convertible Debenture AAA 0.00 - 0.36 0.36
equal 5.14% National Bank Agr. Rur. Devp 21-D 31/01/2024 Debenture AAA 0.00 - 0.36 0.36
equal 7.37% GOI 16/04/2023 GOI Securities SOV 0.27 - 0.30 0.30
equal 7.10% Power Finance Corporation 2022 Bonds/NCDs AAA 0.20 - 0.23 0.23
equal 4.64% Oil & Natural Gas Corporation 21/11/2023 Debenture AAA 0.20 - 0.72 0.22
equal 7.75% Sundaram Home Finance 2023 Bonds/NCDs AA+ 0.21 - 0.22 0.22
equal 8.13% Power Grid Corporation 25/04/2023 Debenture AAA 0.07 - 0.08 0.08
equal 5.39% Gujarat State 31/03/2024 State Development Loan SOV 0.07 - 0.07 0.07
equal 9.30% Power Grid Corporation 2024 Bonds AAA 0.06 - 0.07 0.07
equal Hindustan Petroleum Corporation 14/08/2024 Debenture AAA 0.04 - 0.05 0.05

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal ICICI Bank Financial 21.04 6.93 3.98 6.75
equal HDFC Bank Financial 19.97 6.28 4.50 5.03
equal Infosys Technology 30.54 3.70 0.00 3.69
equal Bajaj Finance Financial 51.28 7.34 2.23 3.06
equal Avenue Supermarts Services 134.69 3.03 1.53 2.63
equal Maruti Suzuki India Automobile 60.11 2.32 0.00 2.32
equal Axis Bank Financial 13.86 3.20 1.11 2.26
equal HCL Technologies Technology 19.15 2.32 0.00 2.12
equal Bajaj Finserv Financial 47.75 2.78 0.00 1.96
equal Tata Motors Automobile -- 1.92 0.00 1.86
equal Ultratech Cement Materials 27.09 3.24 1.67 1.67
equal APL Apollo Tubes Metals & Mining 49.62 1.68 0.00 1.49
equal Emami Consumer Staples 24.23 1.37 0.00 1.37
equal Gujarat Gas Energy 25.21 2.18 0.00 1.35
equal SBI Cards & Payments Services Financial 45.51 1.51 0.00 1.32
equal Radico Khaitan Consumer Staples 46.78 1.68 0.00 1.32
equal KNR Constructions Construction 18.95 1.61 0.68 1.24
equal Dr. Reddy's Lab Healthcare 23.12 2.21 0.00 1.22
equal Schaeffler India Capital Goods 55.53 1.20 0.00 1.20
equal Century Plyboards (India) Materials 37.50 1.48 0.00 1.18
equal Supreme Industries Materials 23.53 1.27 0.00 1.13
equal Max Healthcare Institute Healthcare 60.63 1.14 0.00 1.08
equal L&T Infotech Technology 35.46 1.29 0.00 1.05
down UNO Minda Automobile 83.54 1.80 0.60 0.99
equal Alkem Laboratories Healthcare 28.47 2.61 0.96 0.98

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 30-Jun-2022

Fund Manager

— Abhishek Ghosh since 01-Jan-2021

Education: Mr. Ghosh is a MBA Finance, BE (Electronics)

Experience: Prior to joining DSP Mutual Fund, he has worked with Motilal Oswal Securities, IDFC securities Ltd, BNP Paribas, B&K Securities, Edelweiss Securities.

Funds Managed:

— Atul Bhole since 01-Jun-2016

Education: Mr. Bhole is a B.Com (H), Chartered Accountant and MMS.

Experience: Prior to joining DSP Mutual Fund he has worked with Tata Mutual Fund, JP Morgan Services Pvt. Ltd. and SBI Treasury.

Interviews:

Funds Managed:

— Vikram Chopra since 18-Jul-2016

Education: Mr. Chopra is B.Com (H) and MBA from Institute of Management.

Experience: Prior to joining DSP Mutual Fund he has worked with L&T Mutual Fund, IDBI Bank Ltd. and Axis Bank Ltd.

Funds Managed:


-0.03%

Change from previous, NAV as on 05-Aug-2022

Growth: ₹ 248.7070

IDCW: ₹ 51.3650


Investment Strategy

The scheme seeks to generate long-term capital appreciation and current income from a portfolio constituted of equity and equity related securities as well as fixed income securities (debt and money market securities).

Investment Details

Min. Investment (₹) 500
Min. Addl Investment (₹) 500
Min. SIP Investment (₹) 500
Min. No of Cheques 6
Min. Withdrawal (₹) 500
Min. Balance (₹) 500
Lock-in Period Not Applicable
Exit Load For units in excess of 10% of the investment,1% will be charged for redemption within 364 days

Basic Details

Fund House: DSP Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 13.57%
Benchmark: CRISIL Hybrid 35+65 Aggressive Index
Riskometer: Very High
Type: Open-ended
Assets: ₹ 6,837 Cr (As on 30-Jun-2022)
Expense Ratio: 0.81% (As on 30-Jun-2022)
Risk Grade: Average
Return Grade: Average
Turnover: 114.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW28-Jul-20220.2000

 28-Jun-20220.2000
 27-May-20220.2000
 28-Apr-20220.2000
 28-Mar-20220.2000
 28-Feb-20220.2000
 28-Jan-20220.2000
 28-Dec-20210.2000
 26-Nov-20210.2000
 28-Oct-20210.2000
 28-Sep-20210.1500
 27-Aug-20210.1500
 28-Jul-20210.1500
 28-Jun-20210.1500
 28-May-20210.1500
 28-Apr-20210.1500
 26-Mar-20210.1500
 26-Feb-20210.1500
 28-Jan-20210.1500
 28-Dec-20200.1500
 27-Nov-20200.1500
 28-Oct-20200.1500
 28-Sep-20200.1500
 31-Aug-20200.1500
 28-Jul-20200.1500

Contact Information

AMC: DSP Investment Managers Pvt. Ltd.

Address: NATRAJ, Office No. 302-3rd Floor-Plot No. 194, MV Road Junction Western Express Highway, Andheri East Mumbai - 400069

Phone: 1800-208-4499 / 1800-200-4499

Fax: 022-56578181

Website: https://www.dspim.com/

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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