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NAV as of ( Sep 09, 2022 )

18.07 -0.09 % 1-D Change

9.51% p.a.

You get upto 0.74% extra returns

ET Money's Fund Report Card - DSP Equity Savings Fund

ET Money Rank


Out of 18

Performance Quality info

Good drop-arrow

Generated returns consistently


Increased returns for each unit of additional risk info


Downside Protection info

Poor drop-arrow

Controlled losses during market corrections


Delivered returns without frequent ups and downs


Minimum SIP amount is ₹
Minimum Lumpsum amount is ₹

By continuing, I agree to the Declaration and T&Cs.

none buyable frame

Fresh Investments closed in this fund!

This fund is no longer available to invest

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Scheme Details

ET Money Rank 7 Out of 18
VRO Rating 2
Expense ratio 0.68%  As on Jul 31, 2022
Exit Load 0%
AUM (Fund Size) 466 Crs
Lock-in No Lockin
Age 6 yrs 6 m Since Mar 08, 2016
Benchmark NIFTY Equity Savings TRI
Min. Investment

SIP 500  &

Lumpsum 1000

About DSP Equity Savings Fund

DSP Equity Savings Fund Direct-Growth is a Equity Savings mutual fund scheme from Dsp Mutual Fund . This fund has been in existence for 6 yrs 6 m, having been launched on 08/03/2016. DSP Equity Savings Fund Direct-Growth has ₹466 Crores worth of assets under management (AUM) as on 30/06/2022 and is medium-sized fund of its category. The fund has an expense ratio of 0.68%, which is close to what most other Equity Savings funds charge. Currently, the fund has a 39.96% allocation to equity and 25.57% to Debt.
  • DSP Equity Savings Fund Direct-Growth returns of last 1-year are 3.47%. Since launch, it has delivered 9.60% average annual returns.
  • DSP Equity Savings Fund Direct-Growth scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is below average.
  • The fund's equity portion is primarily invested in Financial, Services, Healthcare, Technology, Metals & Mining sectors. It has taken less exposure in Financial, Services sectors compared to other funds in the category.
  • The debt portion of the fund has low credit quality indicating the quality of borrowers it has lent it to is not too great.
  • The fund's top 5 holdings are in HDFC Bank Ltd., GOI, Reserve Bank of India, Reliance Industries Ltd., ICICI Bank Ltd..
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You would have earned ₹ 1,001 more by investing in ET Money Direct Plan

Total value Profit
This fund
Category Average
Bank FD

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Latest Asset & Portfolio Allocation

as on Aug 31, 2022
Allocation by Market Cap

Large Cap 27.56%

Mid Cap 7.73%

Small Cap 4.67%

Other Cap 0%

Allocation by Sector

Financial 21.62%

Services 8.47%

Healthcare 7.51%

Technology 7%

Top Debt Holdings

GOI 6.26%

Reserve Bank of India 5.87%

Reliance Industries Ltd. 5.55%

Axis Bank Ltd. 4.15%

Allocation by Credit Quality

Cash 31.74%

SOV 12.13%

AAA 5.55%

A1+ 4.15%

Allocation by Instruments

Cash Margin 31.74%

GOI Securities 6.26%

Treasury Bills 5.87%

Non Convertible Debenture 5.55%

Other Holdings

Others 31.74%

Comparison with equity savings Funds

as on Sep 12, 2022
0.87 % p.a
This fund


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Trailing Returns and Ranks

as on Sep 12, 2022
Period Trailing returns Category average Rank within category
1 month 0.87% 0.93% 11 / 18
3 months 5.36% 5.56% 11 / 18
6 months 3.72% 3.78% 8 / 18
1 year 3.23% 4.44% 14 / 18
3 years 11.44% 10.6% 8 / 18
5 years 7.84% 7.86% 9 / 14


Level of Risk in the Scheme

Moderately High

Investors understand that their principal will be at Moderately High risk

DSP Equity Savings Fund


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.

  • Std. Dev : 11.01
  • Alpha : 0.4
  • Beta : 1.35
  • Sharpe : 0.73
  • Sortino : 0.6
  • Profile

    Kedar Karnik

    Mr. Karnik is a BE and has done his Masters in Management Studies from Jamnalal Bajaj Institute of Management Studies.

    Prior to joining DSP Mutual Fund he was associated with Axis Asset Management. He has also worked with HSBC and CRISIL Ltd..

  • Profile

    Abhishek Singh

    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.

DSP Mutual Fund

DSP Mutual Fund



See all schemes


₹1,06,682 Crs

As on Jun 30, 2022

  • Phone: 1800-208-4499 / 1800-200-4499
  • Address: NATRAJ, Office No. 302-3rd Floor-Plot No. 194, MV Road Junction
    Western Express Highway,
    Andheri East
    Mumbai, 400069

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Frequently asked questions

How are the returns of DSP Equity Savings Fund ?

The DSP Equity Savings Fund is a 6 yrs 6 m old fund and has delivered average annual returns of 9.51% since inception.

DSP Equity Savings Fund Returns

1-Year 3-Year 5-Year Since Inception
3.23% 11.44% 7.84% 9.51%

NAV or Net Asset Value is the per-unit price of the Mutual Fund. The NAV of a Mutual Fund changes every day. It is calculated by taking the current value of the holdings of the fund at end of the day, subtracting the expenses, and dividing the value by the number of units issued to date.

The NAV of DSP Equity Savings Fund for Sep 09, 2022 is 18.07 .

DSP Equity Savings Fund has an ET Money Rank of # 7 of 18 and a consistency rating of 3 .

This indicates the fund has not generated great returns and even those are not very consistent. You might want to look at other funds in its category.

On ET Money, Investing in DSP Equity Savings Fund is fast, easy, and 100% paperless. And it takes only minutes. Here is what you need to do -

  1. Click on the Invest Now Button present on the top right-hand side.
  2. Enter your email id, select whether you want to do a one-time investment or start a SIP and add the amount
  3. Provide few more details needed including the bank account from which you will be making the payment and confirm.
  4. That's it. Your SIP or one-time investment in DSP Equity Savings Fund is done.

The Expense Ratio of a Mutual Fund is the annual charges you pay to the Mutual Fund company for managing your investments in that fund. The Expense Ratio is a percentage of Assets Under Management (AUM) and is taken from the returns generated by the fund. For this reason, a fund with a lower expense ratio is always better because a smaller part of the returns will be taken and that means more returns for you.

The Expense Ratio of the direct plan of DSP Equity Savings Fund is 0.68%.  .

Redeeming your investments in DSP Equity Savings Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in DSP Equity Savings Fund from anywhere else, you can go to the fund house website and put a request through it.

AUM or Asset Under Management is the total value of the assets held by a Mutual Fund scheme. For instance, for an equity Mutual Fund, the AUM will be the total value of its portfolio's equity shares (plus any other asset it might have invested in). The AUM of the fund changes every day because the price of the underlying asset fluctuates daily. However, the Mutual Fund company doesn't update it every day. It is updated only at the end of the month and released within few days of the next month.

The AUM of the fund is a good indicator of its popularity. A fund with a high AUM means a lot of money has been invested in it, and investors like it. However, the AUM should never be the primary criteria while selecting a fund. There are funds with huge AUMs that continue to perform well despite their size.

The AUM of DSP Equity Savings Fund is ₹466 Crs.

The DSP Equity Savings Fund's equity portion has been invested in the stocks of the following companies

Company Percentage of Portfolio
HDFC Bank Ltd. 6.88%
ICICI Bank Ltd. 4.48%
Tech Mahindra Ltd. 4.39%
Adani Enterprises Ltd. 3.67%
SBI Life Insurance Company Ltd. 3.5%
India Grid Trust 3.08%
Axis Bank Ltd. 2.94%
HCL Technologies Ltd. 2.55%
Jindal Steel & Power Ltd. 2.43%
Adani Ports and Special Economic Zone Ltd. 2.33%

The DSP Equity Savings Fund's equity portion is primarily invested in the following sectors -

Sector Percentage of Portfolio
Financial 21.62%
Services 8.47%
Healthcare 7.51%
Technology 7%
Metals & Mining 4.58%
Insurance 4.17%
Capital Goods 3.08%
Chemicals 2.99%
Energy 2.89%
Automobile 2.52%

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The DSP Equity Savings Fund's debt portion's allocation by credit quality is given below
Credit Quality Percentage of Portfolio
Cash 31.74%
SOV 12.13%
AAA 5.55%

The top 3 debt holdings of DSP Equity Savings Fund are as follows

Holding Name Percentage of Portfolio
GOI 6.26%
Reserve Bank of India 5.87%
Reliance Industries Ltd. 5.55%
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