DSP Saving Fund

DSP Saving Fund

Hybrid

DSP Mutual Fund

Conservative Allocation

Get the latest NAV of DSP Saving Fund. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.

₹66.88

▼-0.5%1D

NAV as on 13 Mar 2026

8.48%/per year

Since Inception

Absolute Gain%

▲▼

392 people have invested ₹ 86L in DSP Saving Fund in the last three months

DSP Saving Fund Performance vs. Conservative Allocation Index

Fund returns vs Benchmark returns vs Category Average returns as on (13-Mar-26)

The fund has consistently outperformed the benchmark (Conservative Allocation Index) over the last 1Y, 3Y, 5Y time periods.

Period
1M
3M
6M
1Y
3Y
5Y
This Fund
-1.21%
-1.02%
0.63%
5.9%
10.22%
8.47%
Conservative Allocation Index
-1.51%
-1.68%
-0.5%
4.65%
7.25%
6.65%
Conservative Allocation Avg
-1.54%
-1.69%
-0.48%
5.4%
8.7%
7.73%
Best in Conservative Allocation
0.29%
1.31%
3.37%
9.5%
11.85%
10.88%
Worst in Conservative Allocation
-2.34%
-4.14%
-1.61%
3.32%
7.35%
6.24%

Peer comparison

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
3Y Alpha
3Y Beta
3Y Sharpe
3Y Sortino
3Y Info Ratio
DSP Saving Fund
-
184Cr
0.53%
5.9%
10.22%
1.54
0.95
1.23
2.68
0.95
Parag Parikh Conservative Hybrid Fund
1/10
3,354Cr
0.34%
8.31%
11.85%
3.32
0.77
1.77
4.20
1.46
Nippon India Conservative Hybrid Fund
2/10
948Cr
1.09%
9.5%
9.76%
2.10
0.54
1.83
4.21
0.63
ICICI Prudential Savings Fund
3/10
3,341Cr
1%
7.63%
10.56%
2.09
0.86
1.49
2.85
1.29
See all

DSP Saving Fund Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

  • 1-time

  • SIP

Total Investment

0

Profit

Total Corpus

0

Absolute Return
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DSP Saving Fund Asset Allocation

See fund asset allocation details as on (14-Mar-26)

Fund Distribution

as on (14-Mar-26)

Large cap
12.6%
Small cap
4.7%
Mid cap
2%

DSP Saving Fund Sector Allocation

See fund sector allocation details as on (14-Mar-26)

Sector Allocation

Financial Services
44.2%
Health
15.2%
Consumer Cyclical
9.8%
Tech
6.8%
Utilities
6.6%
Consumer Defensive
3.9%
Industrial
3.9%
Basic Materials
3.7%
Energy
3.7%
Communication
2.2%

Top 3 Sectors in February were Government, Financial Services & Health

Feb'26

Government

67%

Financial Services

53%

Corporate

28%

Jan'26

Government

75%

Financial Services

50%

Health

12%

DSP Saving Fund Holdings Details

as on (28-Feb-26)

Holdings
Weight%
1M Change
HDFC Bank Ltd
2.63%
35.1%
Canara HSBC Life Insurance Co Ltd
2.01%
0%
ICICI Bank Ltd
1.65%
0%
ITC Ltd
1.27%
38.7%
Kotak Mahindra Bank Ltd
0.89%
0%
See all
Top Stocks bought last month
Canara HSBC Life Insurance Co Ltd's allocation increased from 1.77% to 2.09%
Canara HSBC Life Insurance Co Ltd's allocation increased from 1.77% to 2.09%
Cohance Lifesciences Ltd's allocation increased from 0.29% to 0.42%
Cohance Lifesciences Ltd's allocation increased from 0.29% to 0.42%
Petronet LNG Ltd's allocation increased from 0.53% to 0.57%
Petronet LNG Ltd's allocation increased from 0.53% to 0.57%
Top Stocks sold last month
Muthoot Finance Limited's allocation decreased from 4.16 % to 4.1 %
Muthoot Finance Limited's allocation decreased from 4.16 % to 4.1 %
National Bank For Agriculture And Rural Development's allocation decreased from 5.26 % to 2.9 %
National Bank For Agriculture And Rural Development's allocation decreased from 5.26 % to 2.9 %
HDFC Bank Ltd's allocation decreased from 1.76 % to 1.7 %
HDFC Bank Ltd's allocation decreased from 1.76 % to 1.7 %

DSP Saving Fund Overview

Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.

Expense ratio0.53%
Benchmark
CRISIL Hybrid 85+15 - ConservativeTR INR
AUM₹184 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹100/₹100
Exit Load0%
Lock InNo Lock-in
TurnOver
45.27%
Risk
Risk meter
pointer
Moderately High risk

About DSP Saving Fund

DSP Saving Fund is a hybrid fund. This fund was started on 1 January, 2013. The fund is managed by Abhishek Singh, Shantanu Godambe. This fund gives you the benefit of diversification.

Key Parameters

  1. DSP Saving Fund has ₹184 Cr worth of assets under management (AUM) as on Mar 2026 and is more than category average.
  2. The fund has an expense ratio 0.5.

Returns

DSP Saving Fund has given a CAGR return of 8.48% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 5.90%, 10.22% and 8.47% respectively.

Holdings

DSP Saving Fund has allocated its funds majorly in Government, Financial Services, Corporate, Health, Consumer Cyclical, Consumer Defensive, Cash Equivalent, Tech, Utilities, Basic Materials, Energy, Industrial, Communication.

Taxation

As it is a conservative allocation mutual fund the taxation is as follows:
If the fund is equity oriented i.e. asset allocation of more than 65% in equity instruments:
For short term (less than a year) capital gains will be taxed at 20%
For long term (more than 1 year) capital gains will be taxed at 12.5% without indexation benefit
Long term gains up to Rs 1 lakh are exempt from taxation (more than 12 months).

Investment objective of DSP Saving Fund

An Open Ended Income Scheme, seeking to generate income, consistent with prudent risk, from a portfolio which is substantially constituted of quality debt securities. The scheme will also seek to generate capital appreciation by investing a smaller portion of its corpus in equity and equity related securities of issuers domiciled in India. There is no assurance that the investment objective of the Scheme will be realized.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 100.00 and for SIP is INR 100.00. DSP Saving Fund has no lock in period.

Fund Manager

Abhishek Singh

Fund Manager of DSP Saving Fund, since 31 May 2021

Shantanu Godambe

Fund Manager of DSP Saving Fund, since 1 August 2024

Learn more about DSP Mutual Fund
Parameters
Feb'26
Jan'26
Dec'25
AUM
₹ 184.5 Cr
₹ 183.4 Cr
₹ 184 Cr
  • AUM of the fund stands at 184.5 Cr as of Feb'26
  • AUM increased by 1.1 Cr between Feb'26 and Jan'26

Frequently Asked Questions for DSP Saving Fund

How do I invest in DSP Saving Fund?

INDmoney makes it simple to invest in the DSP Saving Fund. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘DSP Saving Fund’.
  • Select whether you want to invest in SIP or lump sum.
  • Enter the amount you wish to invest.
  • Set up payments via bank mandate or UPI.

What is the current NAV of DSP Saving Fund?

The NAV of the fund today is ₹66.88. NAV or Net Asset Value is the per unit price of a mutual fund. For example, if the NAV of a fund is ₹10, it means you can get 1000 units of that mutual fund at ₹10,000.

What is the return on the fund?

DSP Saving Fund fund has generated a return of 5.90% in 1 year, 10.22% in 3 years, 8.47% in 5 years.

Who is the fund manager of DSP Saving Fund?

The fund managers are Abhishek Singh, Shantanu Godambe.

What is the expense ratio of the fund?

The expense ratio is 0.53%. The Expense Ratio is a fee charged for managing the fund. This includes commissions, administrative costs etc.

What is the AUM of the fund?

The AUM of the fund is ₹184 Cr. AUM stands for Assets Under Management. It refers to the total assets managed by the fund.

What are the top holdings of DSP Saving Fund?

The top 3 holdings of the fund are 7.32% Gs 2030(11.52%), Goi Floating Rate Bond 2033(8.68%), 7.03% Maharashtra Sgs 2038(7.98%)