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3 star

DSP Equity & Bond Fund download report


1 Lakh

Investment Grown to
₹ 1.57 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.49 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-G -1.69 0.66 2.35 9.21 9.89 1.81 1.67 16.13 10.92 10.81 13.56
VR Balanced TRI 4.13 1.28 2.16 10.65 9.98 4.19 8.67 16.71 12.74 11.72 12.98
Hybrid: Aggressive Hybrid 1.09 0.50 2.01 8.33 8.58 2.90 6.18 15.83 10.32 10.33 13.36
Rank within category 39 10 6 4 6 33 44 15 11 11 9
Number of funds in category 46 46 46 46 46 46 46 42 30 24 22

As on 17-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
3 star
May-99 1.67 16.13 10.92 1.85 7,486
SBI Equity Hybrid Fund  | Invest Online
4 star
Dec-95 6.92 15.58 12.05 1.51 53,018
ICICI Prudential Equity & Debt Fund  | Invest Now
5 star
Nov-99 18.22 22.01 14.12 1.80 19,614
Canara Robeco Equity Hybrid Fund - Regular Plan  | Invest Online
4 star
Feb-93 4.77 17.45 11.97 1.81 8,033
Mirae Asset Hybrid Equity Fund - Regular Plan  | Invest Online
4 star
Jul-15 4.96 15.74 11.54 1.79 6,886

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 14.06 14-May-2009 - 21-May-2009 -15.93 15-Jan-2008 - 22-Jan-2008
Month 24.71 11-May-2009 - 10-Jun-2009 -28.84 20-Feb-2020 - 23-Mar-2020
Quarter 47.63 09-Mar-2009 - 10-Jun-2009 -31.91 21-Feb-2000 - 23-May-2000
Year 90.19 24-Apr-2003 - 23-Apr-2004 -39.39 14-Jan-2008 - 13-Jan-2009

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
DSP Equity & Bond-G 15.62 17.62 0.69 0.74 0.91 1.00
VR Balanced TRI 15.74 18.34 0.67 0.80 -- --
Hybrid: Aggressive Hybrid 14.92 17.06 0.67 0.73 0.88 0.59
Rank within category 13 30 15 15 32 12
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 54
Top 10 Holdings (%) 37.55
Top 5 Holdings (%) 24.78
Top 3 Sectors (%) 42.33
Portfolio P/B Ratio 4.64
Portfolio P/E Ratio 30.20
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 1.94 - 4.22 3.77
equal 5.15% GOI 2025 GOI Securities SOV 0.00 - 2.43 2.25
equal 7.16% GOI 20/05/2023 Central Government Loan SOV 0.00 - 2.23 2.05
equal 8.25% Indian Railway Finance Corporation 28/02/2024 Debenture AAA 0.99 - 1.97 1.82
equal 5.63% GOI 2026 GOI Securities SOV 0.68 - 8.75 1.57
equal HDFC Bank 13/12/2022 Certificate of Deposit A1+ 0.00 - 1.42 1.31
equal 5.22% GOI 15/06/2025 GOI Securities SOV 0.00 - 2.35 0.97
equal 5.78% NTPC 29/04/2024 Non Convertible Debenture AAA 0.00 - 0.72 0.67
equal 5.40% SIDBI 17/03/2025 Debenture AAA 0.00 - 0.73 0.67
equal SIDBI 23/03/2023 Commercial Paper A1+ 0.00 - 0.70 0.64
equal 5.70% National Bank Agr. Rur. Devp 22-D 31/07/2025 Debenture AAA 0.00 - 0.69 0.58
equal 9.65% Green Infra Wind Energy 2023 Debenture AA 0.55 - 0.61 0.55
equal 6.55% NTPC 17/04/2023 Debenture AAA 0.07 - 0.44 0.41
equal 5.35% National Housing Bank 2024 Debenture AAA 0.00 - 0.36 0.34
equal 7.17% GOI 2028 GOI Securities SOV 0.00 - 1.35 0.34
equal 5.23% National Bank Agr. Rur. Devp 31/01/2025 Non Convertible Debenture AAA 0.00 - 0.36 0.33
equal 5.14% National Bank Agr. Rur. Devp 21-D 31/01/2024 Debenture AAA 0.00 - 0.36 0.33
equal 7.37% GOI 16/04/2023 GOI Securities SOV 0.27 - 0.30 0.28
equal 7.10% Power Finance Corporation 2022 Bonds/NCDs AAA 0.20 - 0.23 0.21
equal 7.75% Sundaram Home Finance 2023 Bonds/NCDs AA+ 0.20 - 0.22 0.20
equal 4.64% Oil & Natural Gas Corporation 21/11/2023 Debenture AAA 0.20 - 0.70 0.20
equal 5.39% Gujarat State 31/03/2024 State Development Loan SOV 0.07 - 0.07 0.07
equal 8.13% Power Grid Corporation 25/04/2023 Debenture AAA 0.07 - 0.08 0.07
equal 9.30% Power Grid Corporation 2024 Bonds AAA 0.06 - 0.07 0.06
equal Hindustan Petroleum Corporation 14/08/2024 Debenture AAA 0.04 - 0.05 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

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
up HDFC Bank Financial 21.12 6.28 4.50 6.25
down ICICI Bank Financial 22.17 6.93 3.98 6.12
up Bajaj Finance Financial 52.84 7.34 2.23 5.07
equal Infosys Technology 30.35 3.70 0.00 3.57
equal Avenue Supermarts Services 139.62 3.03 1.61 2.99
up Bajaj Finserv Financial 53.25 2.78 0.00 2.70
up Maruti Suzuki India Automobile 60.87 2.49 0.00 2.49
equal Axis Bank Financial 14.69 3.15 1.11 2.34
equal HCL Technologies Technology 19.59 2.32 0.00 1.89
equal Tata Motors Automobile -- 1.92 0.00 1.85
equal Ultratech Cement Materials 26.41 3.24 1.67 1.78
equal APL Apollo Tubes Metals & Mining 52.14 1.68 0.00 1.53
equal SBI Cards & Payments Services Financial 48.71 1.51 0.00 1.48
equal Emami Consumer Staples 24.54 1.37 0.00 1.34
equal Schaeffler India Capital Goods 57.27 1.33 0.00 1.33
up Bharat Electronics Capital Goods 25.93 1.32 0.00 1.32
equal Gujarat Gas Energy 28.53 2.18 0.00 1.31
equal Radico Khaitan Consumer Staples 47.75 1.68 0.00 1.30
equal KNR Constructions Construction 20.30 1.61 0.68 1.28
equal Century Plyboards (India) Materials 39.43 1.48 0.00 1.22
equal L&T Infotech Technology 35.69 1.29 0.00 1.14
equal Supreme Industries Materials 24.75 1.27 0.00 1.10
equal Navin Fluorine International Chemicals 77.46 1.07 0.00 1.07
equal Dr. Reddy's Lab Healthcare 24.04 2.21 0.64 1.04
equal Can Fin Homes Financial 15.82 1.14 0.00 1.00

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-Jul-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:


0.66%

Change from previous, NAV as on 17-Aug-2022

Growth: ₹ 234.0060

IDCW: ₹ 25.4580


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: 27-May-1999
Return Since Launch: 14.53%
Benchmark: CRISIL Hybrid 35+65 Aggressive Index
Riskometer: Very High
Type: Open-ended
Assets: ₹ 7,486 Cr (As on 31-Jul-2022)
Expense Ratio: 1.85% (As on 31-Jul-2022)
Risk Grade: Average
Return Grade: Average
Turnover: 116.00%

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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