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3 star

DSP Equity Savings Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.30 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.25 Lakh

Suitability:

"Equity-savings funds invest about a third of your money each in equity shares, bonds and arbitrage opportunities, though these proportions may vary a bit depending upon the market outlook of the fund manager. 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 fixed income options.

They may also suit those looking for a regular income from their accumulation. The debt and arbitrage portions of these funds can provide a moderate, but steady stream of income. The 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:

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
Fund 11.46 -0.21 0.17 -1.81 -1.65 3.55 14.10 9.02 7.89 -- --
VR MIP TRI 10.44 -0.46 0.39 -1.10 0.55 5.28 13.12 10.42 9.54 -- --
Hybrid: Equity Savings 11.84 -0.28 0.26 -0.97 0.72 5.34 14.58 9.39 8.52 -- --
Rank within category 13 7 19 22 23 22 13 12 10 -- --
Number of funds in category 23 23 23 23 23 23 23 18 13 3 0

As on 03-Dec-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
DSP Equity Savings Fund - Regular Plan  | Invest Online
3 star
Mar-16 14.10 9.02 7.89 2.39% 382
HDFC Equity Savings Fund  | Invest Online
4 star
Sep-04 20.43 10.50 9.61 2.10% 2,516
Kotak Equity Savings Fund - Regular Plan  | Invest Online
4 star
Oct-14 13.01 9.79 9.46 2.18% 1,626
Axis Equity Saver Fund - Regular Plan
4 star
Aug-15 16.22 10.97 10.37 2.20% 1,053
ICICI Prudential Equity Savings Fund  | Invest Now
3 star
Dec-14 10.91 8.29 7.60 1.04% 4,506

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 4.43 26-May-2020 - 02-Jun-2020 -9.52 16-Mar-2020 - 23-Mar-2020
Month 8.33 24-Mar-2020 - 23-Apr-2020 -18.88 20-Feb-2020 - 23-Mar-2020
Quarter 14.58 24-Mar-2020 - 23-Jun-2020 -17.62 23-Dec-2019 - 23-Mar-2020
Year 35.30 23-Mar-2020 - 23-Mar-2021 -13.55 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 9.37 11.29 0.49 0.44 1.51 -3.84
VR MIP TRI 10.03 6.79 0.92 1.13 -- --
Hybrid: Equity Savings 9.32 9.22 0.63 0.69 1.26 -2.30
Rank within category 10 18 17 17 17 18
Number of funds in category 19 19 19 19 19 19

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 53
Number of Bonds 9
Average Maturity (yrs) 0.53
Top 10 Holdings (%) 42.09
Portfolio P/B Ratio 3.02
Portfolio P/E Ratio 23.40

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 6.95% Reliance Industries 15/03/2023 Non Convertible Debenture AAA 6.87 - 7.36 7.02
equal Powergrid Infrastructure Investment Trust Infrastructure Investment Trust -- 0.00 - 4.07 4.07
equal 5.09% GOI 13/04/2022 GOI Securities SOV 0.00 - 4.21 2.64
equal Reserve Bank of India 364-D 07/04/2022 Treasury Bills SOV 0.00 - 2.67 2.57
equal 8.15% GOI 2022 Central Government Loan SOV 0.00 - 1.38 1.38
equal 8.20% GOI 15/02/2022 Central Government Loan SOV 0.00 - 1.46 1.35
equal Reserve Bank of India 364-D 03/02/2022 Treasury Bills SOV 0.00 - 1.31 1.30
equal Reserve Bank of India 364-D 30/03/2022 Treasury Bills SOV 0.00 - 1.29 1.29
new Reserve Bank of India 364-D 06/01/2022 Treasury Bills SOV 0.00 - 0.52 0.52

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
down ICICI Bank Financial 23.44 7.68 1.37 5.70
down HDFC Financial 24.08 8.17 1.29 5.34
equal India Grid Trust Engineering -- 9.00 2.63 3.77
equal HCL Technologies Technology 27.55 3.74 0.00 3.41
equal Reliance Industries Energy 31.17 9.96 0.00 3.38
equal HDFC Bank Financial 24.50 5.79 2.59 3.34
equal ITC FMCG 19.14 3.20 0.00 3.08
down Jindal Steel & Power Metals 5.35 3.38 0.00 2.98
equal Ipca Laboratories Healthcare 26.15 4.41 1.05 2.90
equal Cipla Healthcare 28.43 3.11 0.00 2.83
new SBI Life Insurance Company Insurance 94.36 2.44 0.00 2.44
down Adani Ports and Special Economic Zone Services 29.48 2.68 0.00 2.20
equal Crompton Greaves Consumer Electricals Consumer Durable 41.11 2.24 0.48 2.15
new Bank of Baroda Financial 12.02 2.12 0.00 2.12
equal Coromandel International Chemicals 16.32 2.38 0.00 2.03
equal Aptus Value Housing Finance India Financial 57.74 2.22 0.00 2.00
equal Manappuram Finance Financial 8.28 1.87 0.00 1.87
equal Ultratech Cement Construction 33.27 1.78 0.00 1.74
equal Adani Enterprises Services 185.16 1.82 0.00 1.56
equal Atul Chemicals 38.81 1.36 0.00 1.33
equal Mahindra & Mahindra Automobile 25.19 2.64 0.00 1.23
down Welspun India Textiles 19.37 2.62 0.40 1.20
equal Aurobindo Pharma Healthcare 7.61 3.25 0.51 1.10
equal Infosys Technology 34.93 5.19 0.00 1.00
equal Divi's Laboratories Healthcare 59.12 2.59 0.18 0.81

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:

— Kedar Karnik since 17-Jul-2021

Education: Mr. Karnik is a BE and has done his Masters in Management Studies from Jamnalal Bajaj Institute of Management Studies.

Experience: Prior to joining DSP Mutual Fund he was associated with Axis Asset Management. He has also worked with HSBC and CRISIL Ltd..

Funds Managed:


-0.21%

Change from previous, NAV as on 03-Dec-2021

Growth: ₹ 15.7680

IDCW Quarterly: ₹ 12.6920

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IDCW Monthly: ₹ 12.6200

IDCW: ₹ 13.3010


Investment Strategy

The Scheme seeks to generate income through investments in fixed income securities and using arbitrage and other derivative Strategies. The Scheme also intends to generate long-term capital appreciation by investing a portion of the Scheme's assets in equity and equity related instruments.

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 For units in excess of 10% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: DSP Mutual Fund
Launch Date: 28-Mar-2016
Return Since Launch: 8.34%
Benchmark: CRISIL Liquid Fund Index (70), NIFTY 500 TRI (30)
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 382 Cr (As on 31-Oct-2021)
Expense: 2.39% (As on 31-Oct-2021)
Risk Grade: Above Average
Return Grade: Average
Turnover: 448.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly26-Nov-20210.0633

 28-Oct-20210.0649
 28-Sep-20210.0658
 27-Aug-20210.0649
 28-Jul-20210.0644
 28-Jun-20210.0638
 28-Feb-20200.0550
 28-Jan-20200.0550
 27-Dec-20190.0550
 28-Nov-20190.0550
 25-Oct-20190.0540
 28-Jun-20190.0540
 28-May-20190.0540
 26-Apr-20190.0545
 28-Mar-20190.0543
 28-Dec-20180.0535
 28-Aug-20180.0550
 27-Jul-20180.0541
 28-Jun-20180.0545
 28-May-20180.0550
 27-Apr-20180.0556
 28-Mar-20180.0550
 28-Feb-20180.0550
 25-Jan-20180.0560
 28-Dec-20170.0570
IDCW Quarterly28-Sep-20210.1980

 29-Jun-20210.1900
 27-Dec-20190.1660
 28-Jun-20190.1640
 28-Mar-20190.1640
 28-Dec-20180.0989
 28-Jun-20180.1653
 28-Mar-20180.1670
 28-Dec-20170.1720
 03-Oct-20170.1690
 28-Jun-20170.1650
 28-Mar-20170.1640
 28-Dec-20160.1260
 28-Sep-20160.1310
 27-Jul-20160.0900
IDCW28-Mar-20190.5007

 28-Mar-20180.7000
 29-Mar-20170.6210

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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