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2 star

DSP Regular Savings Fund - Direct Plan


1 Lakh

Investment Grown to
₹ 1.30 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.20 Lakh

Suitability:

"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."

Taxability of earnings:

The tax treatment of this fund may vary depending upon its asset allocation. It will be taxed in the following manner based on its average asset allocation in the last 12 months.

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • 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
Fund 8.87 0.18 0.00 -0.40 -0.84 3.48 9.99 9.04 6.78 7.55 --
VR MIP TRI 10.95 0.56 -0.30 -0.77 1.29 6.07 13.75 10.59 9.64 8.63 --
Hybrid: Conservative Hybrid 11.10 0.24 -0.12 0.11 1.95 6.00 13.16 9.49 8.15 8.52 --
Rank within category 21 27 8 29 36 34 26 19 26 24 --
Number of funds in category 33 36 36 36 36 36 33 30 30 28 0

As on 02-Dec-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
DSP Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 9.99 9.04 6.78 0.60% 231
SBI Debt Hybrid Fund - Direct Plan  | Invest Online
4 star
Jan-13 17.09 12.87 9.19 0.58% 4,369
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 12.40 11.30 10.29 0.84% 3,384
Kotak Debt Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 17.44 14.51 10.78 0.48% 1,160
Canara Robeco Conservative Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 13.03 12.83 10.09 0.61% 959

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 3.41 24-Mar-2020 - 31-Mar-2020 -6.16 16-Mar-2020 - 23-Mar-2020
Month 6.33 24-Mar-2020 - 23-Apr-2020 -12.00 20-Feb-2020 - 23-Mar-2020
Quarter 11.25 24-Mar-2020 - 23-Jun-2020 -9.57 23-Dec-2019 - 23-Mar-2020
Year 25.13 23-Mar-2020 - 23-Mar-2021 -5.08 29-Jan-2018 - 29-Jan-2019

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 8.86 6.53 0.78 0.77 0.84 -0.19
VR MIP TRI 10.03 6.79 0.92 1.13 -- --
Hybrid: Conservative Hybrid 9.20 6.30 0.99 1.15 0.68 1.19
Rank within category 19 20 24 23 25 26
Number of funds in category 30 30 30 30 30 30

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

As on 30-Nov-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 16
Number of Bonds 18
Average Maturity (yrs) 2.23
Top 10 Holdings (%) 52.60
Portfolio P/B Ratio 4.32
Portfolio P/E Ratio 25.98

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 8.25% Indian Railway Finance Corporation 28/02/2024 Debenture AAA 0.00 - 8.87 6.97
equal 7.32% GOI 28/01/2024 GOI Securities SOV 6.92 - 8.79 6.96
equal 6.98% National Bank Agr. Rur. Devp 19/09/2022 Debenture AAA 6.64 - 8.77 6.70
equal 8.32% Power Grid Corporation 23/12/2025 Bonds AAA 5.02 - 6.32 5.02
equal 8.10% Power Finance Corporation 2024 Non Convertible Debenture AAA 0.00 - 4.76 4.76
equal 6.88% REC 20/03/2025 Debenture AAA 4.64 - 5.77 4.68
equal 6.39% Indian Oil Corporation 2025 Debenture AAA 4.60 - 5.92 4.65
equal 7.60% Nat. Highways Authority 18/03/2022 Bonds AAA 4.56 - 6.08 4.60
equal 6.18% GOI 2024 GOI Securities SOV 2.34 - 4.59 4.59
equal Powergrid Infrastructure Investment Trust Infrastructure Investment Trust -- 0.00 - 4.09 3.67
equal 6.35% Power Finance Corporation 30/06/2025 Non Convertible Debenture AAA 0.00 - 3.42 3.37
equal Hindustan Petroleum Corporation 14/08/2024 Debenture AAA 3.18 - 4.13 3.21
equal 8.11% Export-Import Bank 2025 Bonds AAA 2.45 - 3.08 2.47
equal 7.35% HDFC 2025 Debenture AAA 0.00 - 2.42 2.38
equal 7.59% GOI 2026 GOI Securities SOV 2.35 - 2.98 2.37
equal 6.35% Export-Import Bank 18/02/2025 Debenture AAA 2.30 - 2.86 2.32
equal 8.30% GAIL 23/02/2024 Bonds AAA 2.30 - 2.93 2.32
equal 8.49% NTPC 25/03/2025 Bonds/NCDs AAA 1.05 - 1.37 1.06

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 HCL Technologies Technology 27.55 2.90 0.00 2.61
equal HDFC Bank Financial 24.50 3.22 2.01 2.03
equal ITC FMCG 19.14 1.44 0.00 1.34
new Axis Bank Financial 20.63 1.33 0.00 1.33
equal Manappuram Finance Financial 8.28 1.24 0.00 1.24
new SBI Life Insurance Company Insurance 94.36 1.21 0.00 1.21
equal Aptus Value Housing Finance India Financial 57.74 1.37 0.00 1.20
equal Ipca Laboratories Healthcare 26.15 1.85 0.62 1.08
equal ICICI Lombard General Insurance Company Insurance 56.62 1.17 0.69 0.93
down Tata Consultancy Services Technology 36.81 1.54 0.00 0.83
equal Cipla Healthcare 28.43 2.26 0.00 0.82
equal JB Chemicals & Pharma Healthcare 26.37 1.21 0.00 0.72
equal Ultratech Cement Construction 33.27 0.76 0.00 0.69
equal Crompton Greaves Consumer Electricals Consumer Durable 41.11 0.80 0.28 0.69
equal Coromandel International Chemicals 16.32 0.90 0.00 0.66
new Forbes & Company Textiles -- 0.04 0.00 0.04

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 31-Oct-2021

Fund Manager

— Abhishek Singh since 01-May-2021

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.

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:


0.18%

Change from previous, NAV as on 02-Dec-2021

Growth: ₹ 47.6822

IDCW Quarterly: ₹ 13.3275

IDCW Monthly: ₹ 13.2349


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.

Investment Details

Minimum Investment (₹) 500
Minimum Addl Investment (₹) 500
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum Balance (₹) 500
Lock-in Period Not Applicable
Exit Load 1% for redemption within 364 days

Basic Details

Fund House: DSP Mutual Fund
Launch Date: 02-Jan-2013
Return Since Launch: 8.52%
Benchmark: CRISIL Hybrid 85+15 Conservative Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 231 Cr (As on 31-Oct-2021)
Expense: 0.60% (As on 31-Oct-2021)
Risk Grade: Above Average
Return Grade: Below Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly26-Nov-20210.0758

 28-Oct-20210.0769
 28-Sep-20210.0781
 27-Aug-20210.0780
 28-Jul-20210.0775
 28-Jun-20210.0775
 28-May-20210.0770
 28-Apr-20210.0765
 26-Mar-20210.0760
 26-Feb-20210.0756
 28-Jan-20210.0758
 28-Dec-20200.0762
 28-May-20200.0679
 28-Feb-20200.0513
 28-Jan-20200.0520
 27-Dec-20190.0516
 28-Nov-20190.0520
 25-Oct-20190.0517
 27-Sep-20190.0516
 28-Aug-20190.0510
 26-Jul-20190.0514
 28-Jun-20190.0523
 28-May-20190.0527
 26-Apr-20190.0267
 28-Feb-20190.0513
IDCW Quarterly28-Sep-20210.2443

 28-Jun-20210.2408
 26-Mar-20210.2344
 28-Dec-20200.2358
 28-Sep-20200.2287
 26-Jun-20200.2239
 27-Mar-20200.1533
 27-Dec-20190.1692
 27-Sep-20190.1665
 28-Jun-20190.1719
 28-Mar-20190.1723
 28-Dec-20180.1723
 28-Sep-20180.1796
 28-Jun-20180.1870
 28-Mar-20180.1907
 28-Dec-20170.1975
 28-Sep-20170.1983
 28-Jun-20170.1959
 27-Mar-20170.1940
 28-Dec-20160.1928
 28-Sep-20160.1980
 28-Jun-20160.1859
 28-Mar-20160.1835
 28-Dec-20150.1800
 28-Sep-20150.1800

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: 022-66178000

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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