DSP Savings Fund · Regular · Growth
NAV
₹56.3306
as of 03 Aug 2026
Expense Ratio
1.21%
AUM
₹9,100 Cr
Lumpsum returns (CAGR)
- 1Y
- +6.22%
- 3Y
- +6.98%
- 5Y
- +6.13%
- Since Inception
- +6.65%
SIP returns (XIRR)
- 1Y
- +6.53%
- 3Y
- +6.84%
- 5Y
- +6.73%
- Since Inception
- +6.41%
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,15,394 today — ₹5,95,000 invested, 6.2% XIRR.
₹5,95,000
Invested
₹8,15,394
Value today
6.2%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,82,406 today (6.2% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹10,08,664.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹1,46,164 today (1.46×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised1.25
Sharpe Ratio
—
Alpha
—
Beta
1.54
Sortino
0.48%
Std Dev
-0.17%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Jun 2026- Banks6.88%
- Pharmaceuticals & Biotechnology2.50%
- Insurance2.23%
- Automobiles2.14%
- Diversified FMCG1.19%
- Consumer Durables1.01%
- Power0.71%
- Telecom - Services0.63%
- Gas0.47%
- Petroleum Products0.44%
- IT - Software0.44%
- Healthcare Services0.39%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 17.32% Goi 203011.64%
- 28.51% Goi Frb 20338.86%
- 37.03% Maharashtra Sdl 20388.06%
- 47.06% Goi 20285.76%
- 56.48% Goi 20355.55%
- 6Small Industries Development Bank Of India**5.36%
- 7Idfc First Bank Limited**5.35%
- 8Muthoot Finance Limited**4.25%
- 9364 Days T-Bill 20264.15%
- 10Small Industries Development Bank Of India3.68%
Investment Objective
DSP Savings Fund · Regular · Growth by DSP Mutual Fund is a Money Market fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Money Market category.
About This Fund
DSP Savings Fund · Regular · Growth is a Money Market mutual fund offered by DSP Mutual Fund. The fund has been operational for over 26 years. It manages assets worth ₹9,100 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL Money Market A-I Index. The current expense ratio is 1.21%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations