DSP Equity Savings Fund Regular-IDCW Quarterly
(Scheme Rating)
NAV as of Jul 17, 2025
14.05-0.01%
- IDCW Quarterly - Regular
(Earn upto 0.88% Extra Returns with Direct Plan)
Fund Category:
Hybrid: Equity Savings
Expense Ratio:
1.24%(1.62% Category
average)Fund Size:
Rs. 3,191.95 Cr(6.79% of Investment in Category)
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DSP Equity Savings Fund Regular-IDCW Quarterly
(Scheme Rating)
NAV as of Jul 17, 2025
14.05-0.01%
Expense Ratio:
1.24%
Fund Size:
Rs. 3,191.95 Cr
Fund Category:
Hybrid: Equity Savings
DSP Equity Savings Fund Regular-IDCW Quarterly Fund Key Highlights
1. Current NAV: The Current Net Asset Value of the DSP Equity Savings Fund - Regular Plan as of Jul 17, 2025 is Rs 14.05 for IDCW Quarterly option of its Regular plan.
2. Returns: Its trailing returns over different time periods are: 7.73% (1yr), 10.8% (3yr), 11.76% (5yr) and 8.77% (since launch). Whereas, Category returns for the same time duration are: 6.04% (1yr), 10.83% (3yr) and 10.97% (5yr).
3. Fund Size: The DSP Equity Savings Fund - Regular Plan currently holds Assets under Management worth of Rs 3191.95 crore as on Jun 30, 2025.
4. Expense ratio: The expense ratio of the fund is 1.24% for Regular plan as on Jul 10, 2025.
5. Exit Load: The given fund doesn't attract any Exit Load.
6. Minimum Investment: Minimum investment required is Rs 100 and minimum additional investment is Rs 100. Minimum SIP investment is Rs 100.
1. Current NAV: The Current Net Asset Value of the DSP Equity Savings Fund - Regular Plan as of Jul 17, 2025 is Rs 14.05 for IDCW Quarterly option of its Regular plan.
2. Returns: Its trailing returns over different time periods are: 7.73% (1yr), 10.8% (3yr), 11.76% (5yr) and 8.77% (since launch). Whereas, Category returns for the same time duration are: 6.04% (1yr), 10.83% (3yr) and 10.97% (5yr).
3. Fund Size: The DSP Equity Savings Fund - Regular Plan currently holds Assets under Management worth of Rs 3191.95 crore as on Jun 30, 2025.
4. Expense ratio: The expense ratio of the fund is 1.24% for Regular plan as on Jul 10, 2025.
5. Exit Load: The given fund doesn't attract any Exit Load.
6. Minimum Investment: Minimum investment required is Rs 100 and minimum additional investment is Rs 100. Minimum SIP investment is Rs 100.
DSP Equity Savings Fund Regular-IDCW Quarterly Returns
Trailing Returns
Rolling Returns
Discrete Period
SIP Returns
1M 3M 6M 1Y 3Y 5Y Annualized Returns 0.74 1.95 4.64 7.48 10.98 11.67 Category Avg 0.91 3.20 4.39 5.85 10.90 10.86 Rank within Category 16 21 10 5 12 9 No. of funds within Category 21 21 20 20 20 20 - Loading...
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Return Comparison
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DSP Equity Savings Fund Regular-IDCW Quarterly Fund Details
Investment Objective - 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.
| Fund House | DSP Mutual Fund |
| Launch Date | Mar 28, 2016 |
| Benchmark | NIFTY Equity Savings Total Return Index |
| Return Since Launch | 8.78% |
| Riskometer | Moderate |
| Type | - |
| Risk Grade | Below Average |
| Return Grade | Average |
DSP Equity Savings Fund Regular-IDCW Quarterly Investment Details
| Minimum Investment (Rs.) | 100.00 |
| Minimum Additional Investment (Rs.) | 100.00 |
| Minimum SIP Investment (Rs.) | 100.00 |
| Minimum Withdrawal (Rs.) | 500.00 |
| Exit Load | 0% |
Portfolio Allocation
Equity
Debt
Asset Allocation
Loading...Asset Allocation History
Loading...EquityDebtCashSector Allocation
Loading...Market Cap Allocation
Loading...Concentration & Valuation Analysis
JUN 2025 MAY 2025 APR 2025 MAR 2025 FEB 2025 JAN 2025 Number of Holdings 176 179 185 198 194 202 Top 5 Company Holdings 23.3% 24.45% 25.02% 19.64% 21.62% 21.46% Top 10 Company Holdings 35.79% 37.14% 37.63% 31.15% 34.09% 34.31% Company with Highest Exposure GOI (7.32%) GOI (7.74%) HDFC Bank (7.72%) HDFC Bank (6.91%) HDFC Bank (6.66%) HDFC Bank (6.69%) Number of Sectors 11 12 12 11 11 11 Top 3 Sector Holdings 17.25% 18.07% 19.77% 20.78% 20.5% 21.39% Top 5 Sector Holdings 23.0% 22.84% 24.87% 25.88% 25.41% 26.64% Sector with Highest Exposure Financial (9.8%) Financial (10.41%) Financial (12.01%) Financial (12.8%) Financial (12.98%) Financial (13.07%)
Top Stock Holdings
Sector Holdings in MF
Debt Holdings in Portfolio
Company Sector Assest(%) P/E EPS-TTM(₹) RETURN 1 YR(%) HDFC Bank Financial 7.18 21.20 92.32 23.04 Adani Enterprises Services 5.42 42.21 61.51 -15.38 Vodafone Idea Communication 2.85 -3.05 -2.53 -52.30 ICICI Bank Financial 2.76 19.90 71.65 13.47 Indus Towers Communication 2.42 10.72 37.65 -3.03 Reliance Industries Energy 2.03 28.68 51.47 -6.95 ITC Consumer Staples 2.03 15.23 27.77 -9.85 Tata Motors Automobile 2.02 10.97 62.02 -33.46 Bajaj Finance Financial 1.9 35.18 26.77 29.86 Mahindra & Mahindra Automobile 1.89 30.70 103.97 13.32
Peer Comparison
Cumulative Returns
SIP returns
Discrete Returns
Quant Measures
Asset Allocation
Scheme Name NAV(Rs./Unit) Scheme Rating AUM(Rs. Cr) 1M 1Y 3Y 5Y DSP Equity Savings Fund Regular-IDCW Quarterly - - 0.66 7.14 10.78 11.63 ICICI Prudential Equity Savings Fund-IDCW Quarterly - - 0.85 7.76 9.29 9.96 UTI Equity Savings Fund Regular-IDCW Quarterly - - 0.37 4.93 11.77 12.18 HSBC Equity Savings Fund-IDCW Quarterly - - 1.19 3.28 13.02 13.70 SBI Equity Savings Fund Regular-IDCW Quarterly - - 1.56 7.14 12.78 12.63
Risk Ratios
Ratios are calculated using the calendar month returns for the last 3 years
Standard Deviation
Standard Deviation
Standard deviation is the deviation of the fund's return around mean.
Low Volatality
3.89VS4.54Fund Vs Category Avg
Beta
Beta
Beta shows the portfolio risk in relation to the market. A beta of less than 1 means that the fund returns are less volatile compared to the broader market. A beta of more than 1 means that the fund returns are more volatile than the broader markets. A beta equal to 1 means that fund's volatility is in line with the broader market.
Low Volatality
0.48VS0.54Fund Vs Category Avg
Sharpe Ratio
Sharpe Ratio
Sharpe ratio is a risk adjusted performance measure. A fund with a higher Sharpe ratio is considered better than a fund with a lower Sharpe ratio.
Better risk-adjusted returns
1.20VS1.00Fund Vs Category Avg
Treynor's Ratio
Treynor's Ratio
Treynor is a risk adjusted performance measure. A fund with a higher Treynor ratio is considered better than a fund with a lower Treynor ratio.
Better risk-adjusted returns
9.77VS8.46Fund Vs Category Avg
Jensen's Alpha
Jensen's Alpha
Alpha shows the ability of the fund manager to outperform the market. A higher Alpha is preferred.
Better risk-adjusted returns
1.43VS0.94Fund Vs Category Avg
Mean Return
Mean Return
Average return generated by the fund during a specified period.
Better average monthly returns
10.98VS10.89Fund Vs Category Avg
Risk Ratio Chart
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- Risk Ratio
- Category Average
Size of Bubbles represents the Fund Size
DSP Mutual Fund News
Fund Manager
- A.S.Abhishek SinghSince May 20210 schemes
- S.G.Shantanu GodambeSince Aug 20240 schemes
- K.N.Kaivalya NadkarniSince Oct 20240 schemes
Mr. Singh is a B-Tech, IIT Kanpur PGDM, IIM Lucknow 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.
No schemes for the Fund Manager
Mr. Godambehas done B.Com, MS (Finance) and CFA Prior to joining DSP Mutual Fund, he has worked with Yes Bank, Prebon Yamane and ICAP India Private Limited
No schemes for the Fund Manager
Ms. Nadkarni has done B.Com, CA, CS and CFA Prior to joining ICICI Prudential Mutual Fund, she has worked with RSN & Company and G.M.Kapadia & Co
No schemes for the Fund Manager
More DSP Mutual Fund
| Scheme Name | Rating | Asset Size(Cr) | 1M | 3M | 6M | 1Y | 3Y |
|---|---|---|---|---|---|---|---|
| DSP Liquidity Regular Plan-Growth | 17,845.07 | 0.51 | 1.75 | 3.55 | 7.28 | 6.87 | |
| DSP Midcap Regular Plan-Growth | 17,657.92 | 9.62 | 12.85 | 0.66 | 9.81 | 21.60 | |
| DSP ELSS Tax Saver Fund Regular-Growth | 16,637.95 | 3.87 | 10.20 | 4.20 | 14.94 | 23.66 | |
| DSP Large & Mid Cap Fund Regular-Growth | 14,386.91 | 4.34 | 10.28 | 3.56 | 12.72 | 24.89 | |
| DSP Small Cap Regular Fund-Growth | 14,258.03 | 7.73 | 11.42 | -2.32 | 8.61 | 21.03 | |
| DSP Flexi Cap Fund-Growth | 11,411.63 | 4.52 | 10.54 | 2.31 | 12.45 | 21.69 | |
| DSP Aggressive Hybrid Fund Regular-Growth | 10,829.34 | 3.29 | 8.84 | 5.57 | 17.85 | 19.70 | |
| DSP Arbitrage Fund Regular - Growth | 6,152.89 | 0.37 | 1.60 | 3.24 | 6.91 | 6.64 | |
| DSP Large Cap Fund Regular-Growth | 5,610.99 | 3.64 | 8.87 | 5.37 | 16.30 | 22.68 | |
| DSP India T.I.G.E.R. (The Infrastructure Growth and Economic Reforms Fund) Regular-Growth | 4,950.08 | 5.71 | 13.43 | -3.77 | -2.27 | 30.31 |
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About DSP Equity Savings Fund Regular-IDCW Quarterly
1. DSP Equity Savings Fund - Regular Plan is Open-ended Equity Savings Hybrid scheme which belongs to DSP Mutual Fund House.
2. The fund was launched on Mar 28, 2016.
Investment objective & Benchmark
1. The investment objective of the fund is that " 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. "
2. It is benchmarked against NIFTY Equity Savings Total Return Index.
Asset Allocation & Portfolio Composition
1. The asset allocation of the fund comprises around 27.92% in equities, 26.55% in debts and 43.18% in cash & cash equivalents.
2. While the top 10 equity holdings constitute around 30.5% of the assets, the top 3 sectors constitute around 17.25% of the assets.
3. The fund largely follows a Growth oriented style of investing and invests across market capitalisations - around 0.0% in giant & large cap companies, 0.0% in mid cap and 0.0% in small cap companies.
4. The portfolio allocation of debt securities primarily have 2 kinds of risks: interest rate risk & credit risk. While the interest rate movements are driven by the fund's duration, credit quality of debt securities are based on the weighted average credit ratings of a fund. Generally, funds with high credit quality will have the weighted average credit rating of AA- and higher rated securities, funds with medium credit quality will hold securities having credit rating lying between A- to BBB- and funds with low credit quality will hold securities having average credit rating of less than BBB-. Credit rating is a qualitative tool that basically assesses the creditworthiness and financial soundness of a company and takes into consideration several factors including the default rate and solvency of the concerned business entity.
Tax Implications on DSP Equity Savings Fund Regular-IDCW Quarterly
Hybrid funds which usually invest 65% or more in equity & equity-related instruments will be taxed like Equity funds and those which invest up to 35% in equity & equity-related instruments will be taxed like the new taxation structure of debt funds. Also, the hybrid funds which invest between 35-65% in equity & equity-related instruments will be taxed as per the old taxation structure of debt funds. Generally, tax implications are based on the average asset allocation of the last 12 months in which the fund has invested. However, since the market is dynamic, asset allocation towards equity may increase or decrease depending on the prevailing market & economic conditions. So, the tax treatment of the given fund will vary accordingly and will be determined by its asset allocation. Below are the tax implications from the equity as well as debt side:
For Hybrid funds with 65% and above allocation in equity & equity related instruments:
1. Gains are taxed at a rate of 15% (Short-term Capital Gain Tax - STCG) if units are redeemed within 1 year of investment.
2. For units redeemed after 1 year of investment, gains of up to Rs. 1 lakh accruing from those units in a financial year shall be exempted from tax.
3. Gains of more than Rs. 1 lakh will be taxed at a rate of 10% (Long-term Capital Gain Tax - LTCG).
For Hybrid funds with 35-65% allocation in equity & equity related instruments:
1. If units are redeemed within 3 years of investment, the whole gain will be added to the investor's income and taxed as per his/her applicable slab rate.
2. For units redeemed after 3 years of investment, gains will be taxed at a rate of 20% post-indexation benefits. Indexation is a process of recalculating the purchase price after accounting for inflation into it. The benefit of indexation lies in lowering one's capital gains which brings down the taxable income and thereby reduces taxes on it.
For Hybrid funds with 0-35% allocation in equity & equity related instruments:
Capital Gains Tax Implications:
If the investment is made after Apr 1, 2023:
1. The entire amount of gain will be added to the investor's income (irrespective of the period of investment) and will be taxed as per his/her applicable slab rate.
If the investment is made before Apr 1, 2023:
1. If units are redeemed within 3 years of investment, the whole gain will be added to the investor's income and taxed as per his/her applicable slab rate.
2. For units redeemed after 3 years of investment, gains will be taxed at a rate of 20% post-indexation benefits. Indexation is a process of recalculating the purchase price after accounting for inflation into it. The benefit of indexation lies in lowering one's capital gains which brings down the taxable income and thereby reduces taxes on it.
Dividend Tax Implications:
1. For Dividend Distribution Tax, the dividend income from this fund will get added to an investor’s income and taxed according to his/her respective tax slabs.
2. Also, for dividend income more than Rs 5,000 in a financial year; the fund house shall deduct a TDS of 10% on such income.
1. DSP Equity Savings Fund - Regular Plan is Open-ended Equity Savings Hybrid scheme which belongs to DSP Mutual Fund House.
2. The fund was launched on Mar 28, 2016.
Investment objective & Benchmark
1. The investment objective of the fund is that " 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. "
2. It is benchmarked against NIFTY Equity Savings Total Return Index.
Asset Allocation & Portfolio Composition
1. The asset allocation of the fund comprises around 27.92% in equities, 26.55% in debts and 43.18% in cash & cash equivalents.
2. While the top 10 equity holdings constitute around 30.5% of the assets, the top 3 sectors constitute around 17.25% of the assets.
3. The fund largely follows a Growth oriented style of investing and invests across market capitalisations - around 0.0% in giant & large cap companies, 0.0% in mid cap and 0.0% in small cap companies.
4. The portfolio allocation of debt securities primarily have 2 kinds of risks: interest rate risk & credit risk. While the interest rate movements are driven by the fund's duration, credit quality of debt securities are based on the weighted average credit ratings of a fund. Generally, funds with high credit quality will have the weighted average credit rating of AA- and higher rated securities, funds with medium credit quality will hold securities having credit rating lying between A- to BBB- and funds with low credit quality will hold securities having average credit rating of less than BBB-. Credit rating is a qualitative tool that basically assesses the creditworthiness and financial soundness of a company and takes into consideration several factors including the default rate and solvency of the concerned business entity.
Tax Implications on DSP Equity Savings Fund Regular-IDCW Quarterly
Hybrid funds which usually invest 65% or more in equity & equity-related instruments will be taxed like Equity funds and those which invest up to 35% in equity & equity-related instruments will be taxed like the new taxation structure of debt funds. Also, the hybrid funds which invest between 35-65% in equity & equity-related instruments will be taxed as per the old taxation structure of debt funds. Generally, tax implications are based on the average asset allocation of the last 12 months in which the fund has invested. However, since the market is dynamic, asset allocation towards equity may increase or decrease depending on the prevailing market & economic conditions. So, the tax treatment of the given fund will vary accordingly and will be determined by its asset allocation. Below are the tax implications from the equity as well as debt side:
For Hybrid funds with 65% and above allocation in equity & equity related instruments:
1. Gains are taxed at a rate of 15% (Short-term Capital Gain Tax - STCG) if units are redeemed within 1 year of investment.
2. For units redeemed after 1 year of investment, gains of up to Rs. 1 lakh accruing from those units in a financial year shall be exempted from tax.
3. Gains of more than Rs. 1 lakh will be taxed at a rate of 10% (Long-term Capital Gain Tax - LTCG).
For Hybrid funds with 35-65% allocation in equity & equity related instruments:
1. If units are redeemed within 3 years of investment, the whole gain will be added to the investor's income and taxed as per his/her applicable slab rate.
2. For units redeemed after 3 years of investment, gains will be taxed at a rate of 20% post-indexation benefits. Indexation is a process of recalculating the purchase price after accounting for inflation into it. The benefit of indexation lies in lowering one's capital gains which brings down the taxable income and thereby reduces taxes on it.
For Hybrid funds with 0-35% allocation in equity & equity related instruments:
Capital Gains Tax Implications:
If the investment is made after Apr 1, 2023:
1. The entire amount of gain will be added to the investor's income (irrespective of the period of investment) and will be taxed as per his/her applicable slab rate.
If the investment is made before Apr 1, 2023:
1. If units are redeemed within 3 years of investment, the whole gain will be added to the investor's income and taxed as per his/her applicable slab rate.
2. For units redeemed after 3 years of investment, gains will be taxed at a rate of 20% post-indexation benefits. Indexation is a process of recalculating the purchase price after accounting for inflation into it. The benefit of indexation lies in lowering one's capital gains which brings down the taxable income and thereby reduces taxes on it.
Dividend Tax Implications:
1. For Dividend Distribution Tax, the dividend income from this fund will get added to an investor’s income and taxed according to his/her respective tax slabs.
2. Also, for dividend income more than Rs 5,000 in a financial year; the fund house shall deduct a TDS of 10% on such income.
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FAQs about DSP Equity Savings Fund Regular-IDCW Quarterly
- Is it safe to invest in DSP Equity Savings Fund - Regular Plan?As per SEBI’s latest guidelines to calculate risk grades, investment in the DSP Equity Savings Fund - Regular Plan comes under Moderate risk category.
- What is the category of DSP Equity Savings Fund - Regular Plan?DSP Equity Savings Fund - Regular Plan belongs to the Hybrid : Equity Savings category of funds.
- How Long should I Invest in DSP Equity Savings Fund - Regular Plan?The suggested investment horizon of investing into DSP Equity Savings Fund - Regular Plan is 1 – 3 years. The suggested investment horizon is the minimum time required for holding investments in the fund to reduce its downside risk and ensure that the returns become more predictable.
- Who manages the DSP Equity Savings Fund - Regular Plan?The DSP Equity Savings Fund - Regular Plan is managed by Jay Kothari (Since Mar 16, 2018) , Abhishek Singh (Since May 01, 2021) , Shantanu Godambe (Since Aug 01, 2024) and Kaivalya Nadkarni (Since Oct 01, 2024).
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