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3 star

DSP Equity Savings Fund - Direct Plan


1 Lakh

Investment Grown to
₹ 1.40 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.41 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 1.06 0.74 -0.44 2.23 0.47 3.40 13.66 11.81 9.44 -- --
VR MIP TRI -0.39 0.30 -1.88 0.44 -1.65 4.75 9.52 10.16 9.19 -- --
Hybrid: Equity Savings 0.11 0.39 -1.38 0.87 -0.13 4.56 12.80 11.06 9.22 -- --
Rank within category 1 3 2 1 6 20 8 7 7 -- --
Number of funds in category 22 22 22 22 22 22 22 19 13 6 0

As on 25-Jan-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
DSP Equity Savings Fund - Direct Plan  | Invest Online
3 star
Mar-16 13.66 11.81 9.44 0.75% 379
Kotak Equity Savings Fund - Direct Plan  | Invest Online
4 star
Oct-14 12.08 11.12 10.01 1.15% 1,668
Axis Equity Saver Fund - Direct Plan
4 star
Aug-15 13.23 12.04 10.98 0.88% 1,161
Mirae Asset Equity Savings Fund - Direct Plan  | Invest Online
5 star
Dec-18 15.54 14.68 -- 0.42% 450
ICICI Prudential Equity Savings Fund - Direct Plan  | Invest Now
3 star
Dec-14 10.20 9.27 8.29 0.43% 4,927

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 4.47 26-May-2020 - 02-Jun-2020 -9.50 16-Mar-2020 - 23-Mar-2020
Month 8.47 24-Mar-2020 - 23-Apr-2020 -18.78 20-Feb-2020 - 23-Mar-2020
Quarter 15.01 24-Mar-2020 - 23-Jun-2020 -17.31 23-Dec-2019 - 23-Mar-2020
Year 37.41 23-Mar-2020 - 23-Mar-2021 -12.25 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 11.06 11.31 0.65 0.56 1.51 -2.20
VR MIP TRI 10.03 6.79 0.93 1.14 -- --
Hybrid: Equity Savings 10.63 9.18 0.78 0.85 1.25 -0.99
Rank within category 10 20 18 19 19 19
Number of funds in category 21 21 21 21 21 21

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

As on 31-Dec-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 56
Number of Bonds 9
Average Maturity (yrs) 0.45
Top 10 Holdings (%) 38.60
Portfolio P/B Ratio 2.85
Portfolio P/E Ratio 19.72

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 7.12
equal Powergrid Infrastructure Investment Trust Infrastructure Investment Trust -- 0.00 - 4.10 4.10
equal 5.09% GOI 13/04/2022 GOI Securities SOV 0.00 - 4.21 2.68
equal Reserve Bank of India 364-D 07/04/2022 Treasury Bills SOV 0.00 - 2.67 2.61
equal 8.20% GOI 15/02/2022 Central Government Loan SOV 0.00 - 1.46 1.37
equal 8.15% GOI 2022 Central Government Loan SOV 0.00 - 1.39 1.35
equal Reserve Bank of India 364-D 03/02/2022 Treasury Bills SOV 0.00 - 1.32 1.32
equal Reserve Bank of India 364-D 30/03/2022 Treasury Bills SOV 0.00 - 1.31 1.31
equal Reserve Bank of India 364-D 06/01/2022 Treasury Bills SOV 0.00 - 0.53 0.53

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 25.00 7.68 1.69 4.53
equal HCL Technologies Technology 27.73 3.97 0.00 3.97
equal India Grid Trust Engineering -- 9.00 2.71 3.87
equal HDFC Bank Financial 22.87 5.79 2.59 3.15
equal Reliance Industries Energy 27.82 9.96 0.00 3.14
equal ITC FMCG 18.49 3.20 0.00 3.04
equal Ipca Laboratories Healthcare 26.85 4.41 1.08 2.96
down Adani Ports and Special Economic Zone Services 28.44 2.94 0.00 2.72
down Vodafone Idea Communication -- 2.67 0.00 2.67
equal Jindal Steel & Power Metals 5.61 3.38 0.00 2.61
equal SBI Life Insurance Company Insurance 89.80 2.57 0.00 2.57
equal Axis Bank Financial 18.25 2.48 0.00 2.48
equal Cipla Healthcare 28.40 3.11 0.00 2.45
equal Aptus Value Housing Finance India Financial 65.74 2.22 0.00 2.08
equal Crompton Greaves Consumer Electricals Consumer Durable 40.48 2.24 0.50 2.03
equal Coromandel International Chemicals 16.31 2.38 0.00 1.97
down Adani Enterprises Services 188.63 1.85 0.00 1.85
equal Hero Motocorp Automobile 19.11 1.83 0.00 1.83
equal Bank of Baroda Financial 13.37 2.12 0.00 1.80
equal Ultratech Cement Construction 31.54 1.78 0.00 1.75
up Sharda Cropchem Chemicals 15.49 1.72 0.00 1.72
equal Manappuram Finance Financial 7.38 1.87 0.00 1.50
equal Atul Chemicals 41.98 1.36 0.00 1.33
up Aurobindo Pharma Healthcare 6.93 3.25 0.51 1.21
equal Infosys Technology 33.68 5.19 0.00 1.14

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-Dec-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:


0.74%

Change from previous, NAV as on 25-Jan-2022

Growth: ₹ 17.5380

IDCW Quarterly: ₹ 14.9170

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IDCW Monthly: ₹ 15.0320

IDCW: ₹ 14.4010


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

Min. Investment (₹) 500
Min. Addl Investment (₹) 500
Min. SIP Investment (₹) 500
Min. No of Cheques 12
Min. Withdrawal (₹) 500
Min. Balance (₹) 500
Lock-in Period Not Applicable
Exit Load 0

Basic Details

Fund House: DSP Mutual Fund
Launch Date: 28-Mar-2016
Return Since Launch: 10.11%
Benchmark: NIFTY Equity Savings TRI
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 379 Cr (As on 31-Dec-2021)
Expense: 0.75% (As on 31-Dec-2021)
Risk Grade: Above Average
Return Grade: Average
Turnover: 449.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly28-Dec-20210.0635

 26-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-Aug-20180.0550
 27-Apr-20180.0443
 25-Jan-20180.0290
 28-Dec-20170.0570
 28-Jun-20170.0550
 26-May-20170.1110
 28-Mar-20170.1650
 28-Dec-20160.1260
 28-Sep-20160.1310
IDCW Quarterly28-Dec-20210.1890

 28-Sep-20210.1980
 29-Jun-20210.1900
 26-Mar-20210.1800
 27-Dec-20190.1660
 28-Jun-20190.1640
 28-Mar-20190.1640
 28-Dec-20180.1000
 28-Mar-20180.1660
 28-Dec-20170.1720
 28-Jun-20170.0800
 28-Sep-20160.1310
 27-Jul-20160.0900
IDCW26-Mar-20210.5000

 28-Mar-20190.5007
 28-Mar-20180.7000
 29-Mar-20170.5660

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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