DSP Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt

DSP Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt

Debt

DSP Mutual Fund

Money Market

Get the latest NAV of DSP Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt. 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.

₹10.15

▲0.1%1D

NAV as on 03 Jul 2025

5.07%/per year

Since Inception

Absolute Gain%

▲▼

1 people have invested ₹ 500 in DSP Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt in the last three months

Fund Performance

as on (03-Jul-25)

Period
This Fund
Money Market Index
1 Month
0.64%
0.6%
3 Months
2%
1.93%
6 Months
3.33%
3.85%
1 Year
6.88%
7.39%
3 Years
6.88%
7.03%
5 Years
5.15%
5.7%

DSP Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt Returns Calculator

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DSP Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt Asset Allocation

See fund asset allocation details as on (14-Jun-25)

Fund Distribution

as on (14-Jun-25)

Debt & Cash 99.7%

AAA
100%
Cash allocation has gone up from 86.3% to 92.7%
Cash allocation has gone up from 86.3% to 92.7%
Debt allocation has gone down from 13.3% to 7%
Debt allocation has gone down from 13.3% to 7%

DSP Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt Sector Allocation

See fund sector allocation details as on (14-Jun-25)

Sector Allocation

Debt & Cash 99.7%

Cash Equivalent
47.5%
Corporate
41.2%
Government
11.3%

Top 2 Sectors in May were Corporate, Government

May'25

Corporate

49%

Government

12%

Apr'25

Corporate

43%

Government

14%

DSP Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt Overview

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

Expense ratio0.16%
Benchmark
CRISIL Money Market A-I TR INR
AUM₹4227 Cr
Inception Date2 August, 2013
Min Lumpsum/SIP₹100/₹100
Exit Load0%
Lock InNo Lock-in
TurnOver
203.55%
STCGSelling mutual fund within 36 months, gains taxed at slab rates.
LTCGHolding over 3 years, gains taxed at slab rates without indexation.
Risk
Risk meter
pointer
Moderate Risk

About DSP Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt

DSP Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt is a debt fund. This fund was started on 2 August, 2013. The fund is managed by Karan Mundhra. This fund is suitable to keep your money safe.

Key Parameters

  1. DSP Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt has ₹4227 Cr worth of assets under management (AUM) as on Jun 2025 and is more than category average.
  2. The fund has an expense ratio 0.2.

Returns

DSP Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt has given a CAGR return of 5.07% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 6.88%, 6.88% and 5.15% respectively.

Holdings

DSP Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt has allocated its funds majorly in Corporate, Cash Equivalent, Government. Its top holdings are 7.59% Govt Stock 2026, Small Industries Development Bank Of India, IDFC First Bank Limited, Export-Import Bank of India, HDFC Bank Limited

Taxation

As it is a money market mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

Investment objective of DSP Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt

The primary investment objective of the Scheme is to generate income through investment in a portfolio comprising of money market instruments with maturity less than or equal to 1 year. 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 Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt has no lock in period.

Fund Manager

Karan Mundhra

Fund Manager of DSP Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt, since 31 May 2021

Learn more about DSP Mutual Fund
Parameters
May'25
Apr'25
Mar'25
AUM
₹ 4.5K Cr
₹ 4K Cr
₹ 4.3K Cr
  • AUM of the fund stands at 4.5K Cr as of May'25
  • AUM increased by 507.8 Cr between May'25 and Apr'25

Frequently Asked Questions for DSP Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt

How do I invest in DSP Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt?

INDmoney makes it simple to invest in the DSP Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘DSP Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt’.
  • 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 Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt?

The NAV of the fund today is ₹10.15. 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 Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt fund has generated a return of 6.88% in 1 year, 6.88% in 3 years, 5.15% in 5 years.

Who is the fund manager of DSP Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt?

The fund managers are Karan Mundhra.

What is the exit load of the fund?

The exit load is . Exit load is a fee levied for ‘exiting’ the fund earlier than a stipulated period, usually 1 year.

What is the expense ratio of the fund?

The expense ratio is 0.16%. 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 ₹4227 Cr. AUM stands for Assets Under Management. It refers to the total assets managed by the fund.

What are the top holdings of DSP Savings Fund Direct Plan Daily Reinvestment of Income Distribution cum capital Wdrl Opt?

The top 3 holdings of the fund are 7.59% Govt Stock 2026(5.56%), Small Industries Development Bank Of India(5.03%), IDFC First Bank Limited(4.46%)